Paytm Payments Bank Analyst Interview Questions and Answers

Banking related and communication skills along with technical

Q1. What is lending process
Ans. 
Lending process involves the steps taken by financial institutions to evaluate, approve, and disburse loans to borrowers.
• Borrower submits loan application with required documents

• Financial institution evaluates borrower's creditworthiness

• Loan is approved or denied based on evaluation

• If approved, terms and conditions are set including interest rate and repayment schedule

• Funds are disbursed to borrower
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Q2. What is australian market
Ans. 
The Australian market refers to the financial market in Australia where securities are bought and sold.
• The Australian market includes the Australian Securities Exchange (ASX) where stocks, bonds, and other securities are traded.

• It is influenced by factors such as the country's economic performance, government policies, and global market trends.

• Key industries in the Australian market include mining, finance, healthcare,...read more
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They have some external vendor for English test

Q1. It's all about your job profile
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Q1. Are you comfortable with the shifts.
Ans. 
Yes, I am comfortable with shifts and have experience working different schedules.
• I have previous experience working various shifts in my previous roles.

• I am adaptable and can easily adjust to different schedules.

• I understand the importance of flexibility in the workplace and am willing to work different shifts as needed.
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Q1. SQL queries were asked
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Q1. Give All Answer in Star Approach.
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Q2. If you have conflict with your collogue how you will handle that?
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Q1. Basic screening of candidates and communication.
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Q1. Depending on Operations and Technology, interview rounds may differ. I am from operations so after successful initial screening, AVP/VP will take the technical round. They will ask you situation based ques...read more
Ans. Be confident in your answer and don’t stress out as hiring people are very chill to make you feel comfortable during the interview.
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It had 20 MCQ and 2 coding questions

Q1. Develop a Help desk kiosk system for a bank
Ans. 
A help desk kiosk system for a bank to assist customers with their queries and transactions.
• Include touch screen interface for easy navigation

• Provide options for common banking tasks such as account balance check, fund transfer, bill payment

• Integrate with bank's database for real-time information

• Offer language options for multilingual customers

• Include a printer for transaction receipts
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Q2. Design a transaction fraud detection system
Ans. 
Implementing a transaction fraud detection system
• Utilize machine learning algorithms to analyze transaction patterns and detect anomalies

• Implement real-time monitoring to flag suspicious transactions

• Utilize historical data to train the system and improve accuracy

• Implement multi-factor authentication for high-risk transactions

• Collaborate with financial institutions and law enforcement agencies to share information and i
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Q1. Tell me about yourself
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Q2. Why are you leaving your current organisation?
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