Grupo SANJOSE Interview Questions and Answers

I am currently working as a credit analyst at XYZ Bank with a CTC of $X. I am expecting a higher CTC for this job change.

• Currently working as a credit analyst at XYZ Bank

• Current CTC is $X

• Expecting a higher CTC for this job change

Turnover from company bank statements is considered by analyzing the inflows and outflows of funds.

• Review the bank statements to identify the total inflows and outflows of funds.

• Calculate the turnover by subtracting the total outflows from the total inflows.

• Consider the turnover as an indicator of the company's financial activity and liquidity.

• Higher turnover may suggest a more active business with frequent transactions.

• Lower turnover may indicate slower business activity or ...read more

DSCR calculation is a method used to assess a borrower's ability to generate enough cash flow to cover debt obligations.

• DSCR stands for Debt Service Coverage Ratio.

• It is calculated by dividing the borrower's net operating income by their total debt service.

• Net operating income includes the borrower's revenue minus operating expenses.

• Total debt service includes all debt payments, such as principal and interest.

• A DSCR of 1 or higher indicates that the borrower has enough cash f...read more

Credit cards offer a range of products including rewards, cashback, balance transfers, and low interest rates.

• Rewards credit cards offer points or cashback for purchases made

• Cashback credit cards offer a percentage of cashback on purchases made

• Balance transfer credit cards allow you to transfer high-interest debt to a card with a lower interest rate

• Low interest rate credit cards offer a lower interest rate on purchases and balance transfers

• Secured credit cards require a depos...read more

A credit card is a payment card issued to users as a method of payment.

• Credit cards allow users to borrow money up to a certain limit to make purchases.

• Users are required to pay back the borrowed amount along with interest and fees.

• Credit cards offer various benefits such as cashback, rewards, and discounts.

• Examples of credit card companies include Visa, Mastercard, and American Express.

I would listen to their concerns, empathize with them, and offer a solution to their problem.

• Remain calm and professional

• Listen actively to their concerns

• Empathize with their situation

• Apologize for any inconvenience caused

• Offer a solution to their problem

• Follow up with the customer to ensure their satisfaction