OMA Emirates Credit Card Executive Interview Questions and Answers

Verbal and novarbal questions

Q1. About your self?
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Q2. Tell about your previous experience?
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They ask about credit analysis

Q1. Why should we hire you?
Ans. 
I have a strong background in credit analysis and risk assessment, with a proven track record of making sound lending decisions.
• I have X years of experience in credit analysis and risk assessment.

• I have a proven track record of making sound lending decisions.

• I am detail-oriented and have strong analytical skills.

• I am familiar with industry regulations and compliance standards.

• I have excellent communication and interper...read more
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Q2. Why do you think your growth will be here?
Ans. 
I believe my growth will be here due to my strong work ethic, dedication to learning, and ability to adapt to new challenges.
• I have a proven track record of exceeding targets and taking on additional responsibilities in my previous roles.

• I am constantly seeking out opportunities for professional development and further education to enhance my skills.

• I am adaptable and thrive in fast-paced environments, which will allow
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Q1. Basic introduction and why we should hire you.
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Q1. Explain the profile and why this organization.
Ans. 
The profile of Associate of SBI Credit Card involves managing credit card applications and providing customer support.
• The role includes processing credit card applications and verifying customer information.

• Associates are responsible for addressing customer queries and providing assistance with credit card usage.

• They need to have knowledge of credit card policies, terms, and conditions.

• Associates may also be involved i...read more
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Q2. Language proficiency, English Hindi, Scenario-based questions, Language Translation, Storytelling about your hobbies.5 reasons that you are fit for this role. Expectations.
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Q1. What is OTC and its functions
Ans. 
OTC stands for Over-The-Counter and refers to the trading of financial instruments directly between two parties without the involvement of an exchange.
• OTC trading is done through a dealer network rather than a centralized exchange

• OTC markets are less regulated than exchange-traded markets

• OTC markets include trading of stocks, bonds, derivatives, and currencies

• OTC trading allows for greater flexibility in terms of contr...read more
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Q2. Ageing bucket means and characteristics
Ans. 
Ageing bucket refers to the categorization of overdue debts based on the number of days they have been outstanding.
• Ageing bucket is used to track the payment status of accounts receivable.

• It helps in identifying the accounts that are overdue and need immediate attention.

• The buckets are usually categorized as 0-30 days, 31-60 days, 61-90 days, and 90+ days.

• The longer the debt remains unpaid, the higher the risk of defau...read more
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Q1. What is DSCR and working capital
Ans. 
DSCR stands for Debt Service Coverage Ratio, which measures a company's ability to pay its debts. Working capital is the difference between current assets and current liabilities.
• DSCR is calculated by dividing a company's operating income by its debt obligations. A ratio above 1 indicates the company can cover its debts.

• Working capital is essential for day-to-day operations and is calculated as current assets minus cur...read more
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Q2. What is DSCR and iscr
Ans. 
DSCR stands for Debt Service Coverage Ratio and ISCR stands for Interest Service Coverage Ratio.
• DSCR measures a company's ability to pay its debt obligations with its operating income.

• A DSCR of 1 means the company is just able to cover its debt payments, while a DSCR above 1 indicates the company has more income than debt obligations.

• ISCR specifically focuses on the ability to cover interest payments with operating inc
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Q1. How long you will take to join
Ans. 
I am available to join within two weeks of receiving a job offer.
• I will need to provide a two-week notice to my current employer before starting a new position.

• I may need some time to wrap up any ongoing projects or hand over responsibilities to a colleague.

• I am excited about the opportunity and will make sure to transition smoothly into the new role.
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Q2. How much salary you will take
Ans. 
I am looking for a competitive salary based on my qualifications and experience.
• I am open to discussing salary based on the responsibilities and requirements of the role

• I have researched the average salary range for Credit Officers in this industry

• I am looking for a salary that reflects my skills and contributions to the company
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Q1. Tell me about your school and college exposure
Ans. This is to check our communication skill
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Q1. How does a bank analyse the creditworthiness of a company
Ans. 
Banks analyze the creditworthiness of a company by assessing its financial statements, credit history, industry trends, and management team.
• Evaluate financial statements to assess profitability, liquidity, and leverage ratios

• Review credit history and payment patterns to determine past credit behavior

• Analyze industry trends and economic conditions to assess the company's competitive position

• Assess the management team's ...read more
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Its an Assessment where they actually ask domain questions, MS - Excel, Email skills and general aptitude

Interview is my 2nd round

Q1. Here they will ask you family background and some basic process questions for name sake. If you already done your interview well then dont fear .If you want to prove you more just answer well and confident...read more
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