50+ ExxonMobil Interview Questions and Answers

Yes, I have experience in handling DSA and Connector.

• I have worked with Direct Selling Agents (DSA) and Connectors in my previous roles.

• I am familiar with the process of onboarding and managing DSA and Connector relationships.

• I have experience in training and guiding DSA and Connector teams to achieve targets.

• I have also handled conflict resolution and issue escalation with DSA and Connector partners.

Yes, I have references in both builder and broker profiles.

• I have worked closely with several builders and brokers in my previous roles.

• I have successfully managed relationships with builders and brokers to achieve sales targets.

• One of my references is Mr. John Smith, a renowned builder in the industry.

• Another reference is Ms. Jane Doe, a top-performing broker with whom I have collaborated on multiple projects.

ABB is a multinational corporation headquartered in Switzerland, specializing in robotics, power, heavy electrical equipment, and automation technology.

• ABB stands for Asea Brown Boveri.

• It is a Swedish-Swiss multinational corporation.

• ABB operates mainly in robotics, power, heavy electrical equipment, and automation technology sectors.

• The company was formed in 1988 through the merger of ASEA of Sweden and BBC Brown Boveri of Switzerland.

Business loans are collected through a thorough evaluation of the borrower's creditworthiness, financial statements, and collateral.

• Collecting business loans involves assessing the borrower's creditworthiness.

• Financial statements of the borrower are analyzed to determine their ability to repay the loan.

• Collateral may be required to secure the loan.

• The loan collection process may involve conducting background checks on the borrower.

• Regular follow-ups and reminders are made to ...read more

Piramal Personal Loan can be sourced through various channels.

• Approach Piramal Directly

• Contact Piramal's Sales Team

• Partner with Piramal's Affiliate Network

• Utilize Online Aggregators

• Attend Piramal's Promotional Events

FD is a fixed deposit where a lump sum amount is deposited for a fixed period at a fixed interest rate. RD is a recurring deposit where a fixed amount is deposited regularly for a fixed period at a fixed interest rate.

• FD requires a lump sum amount to be deposited at once, while RD requires regular fixed deposits.

• FD has a fixed term for the deposit, while RD allows flexibility in the deposit term.

• FD typically offers higher interest rates compared to RD.

• Example: FD - Deposit $1...read more

Floating rate of interest is a variable interest rate that changes periodically based on a benchmark rate.

• Floating rate of interest is not fixed and can change over time.

• It is typically tied to a benchmark rate, such as the prime rate or LIBOR.

• The interest rate on a floating rate loan may adjust monthly, quarterly, annually, or at other intervals.

• Floating rate loans are often used in financial products like adjustable-rate mortgages and floating rate bonds.

A file can be sourced by reaching out to relevant departments or individuals, utilizing online databases, or attending industry events.

• Contacting relevant departments or individuals within the organization

• Utilizing online databases or platforms to search for the file

• Attending industry events or conferences where the file may be shared

• Networking with professionals in the field to inquire about the file

To generate leads and grow sales, it is important to build strong relationships, utilize various marketing strategies, and provide exceptional customer service.

• Build a strong network of contacts and maintain relationships with existing clients

• Implement targeted marketing campaigns to reach potential customers

• Utilize social media platforms and online advertising to increase brand visibility

• Offer incentives or promotions to attract new leads

• Provide exceptional customer service ...read more

EMI stands for Equated Monthly Installment.

• EMI is a fixed amount of money paid by a borrower to a lender at a specified date each calendar month.

• It is used to repay both the interest and principal each month, ensuring that the loan is paid off in full over a specified period.

• EMI calculations are commonly used in loans such as home loans, car loans, and personal loans.

Reserve Bank of India

• Reserve Bank of India

• Regulates the monetary policy in India

• Issues currency notes

• Acts as a banker to the government

My current CTC is confidential.

• I prefer not to disclose my current CTC as it is confidential.

• I am open to discussing my salary expectations for this role.

• I believe my skills and experience make me a strong candidate for this position.

• I am looking for a competitive compensation package based on industry standards.

Contact of connector or DSA refers to the person who connects potential customers with the bank for financial products.

• Connector or DSA stands for Direct Selling Agent.

• They act as intermediaries between the bank and the customers.

• They help in generating leads and acquiring new customers.

• They earn commission on successful sales.

• Maintaining a good relationship with them is important for business growth.

LTV stands for Loan-to-Value and FOIR stands for Fixed Obligation to Income Ratio.

• LTV is a financial term used to determine the ratio of a loan amount to the appraised value of an asset.

• FOIR is a financial metric used to assess an individual's ability to repay a loan by comparing their fixed obligations to their income.

• LTV is commonly used in mortgage lending to evaluate the risk associated with a loan.

• FOIR helps lenders determine if a borrower has enough income to cover thei...read more

I have designed reusable methods for data validation, logging, and error handling.

• Created a data validation method that checks for required fields and data types

• Implemented a logging method that records important events and errors

• Developed an error handling method that gracefully handles exceptions and provides detailed error messages

The PMGY eligibility amount varies depending on the program and destination.

• The eligibility amount for each program is listed on the PMGY website

• The amount may vary depending on the destination country

• Participants are required to pay a deposit to secure their place on the program

• The deposit amount is deducted from the total program fee

• Scholarships and fundraising opportunities are available to help cover program costs

The number of Verity of patta that is doable depends on various factors such as market demand, resources, and competition.

• The number of Verity of patta that is doable can vary based on the target market and customer preferences.

• Consider the resources available for production and distribution when determining the number of Verity of patta that is doable.

• Analyze the competition in the market to understand the demand for different varieties of patta.

• Conduct market research and s...read more

I have a strong knowledge of various types of connectors used in the industry.

• Familiar with common connectors such as USB, HDMI, Ethernet, and audio jacks

• Knowledge of specialized connectors like D-sub, coaxial, and fiber optic connectors

• Experience with connector compatibility and troubleshooting issues

• Awareness of emerging connector technologies and standards

NBFC stands for Non-Banking Financial Company. They operate like traditional banks but do not hold a banking license.

• NBFCs provide financial services like loans, credit facilities, and investments.

• They are regulated by the Reserve Bank of India (RBI) in India.

• NBFCs cannot accept demand deposits like banks.

• Credit policy of NBFCs includes assessing creditworthiness, setting interest rates, and managing risk.

• NBFCs may have different credit policies based on the type of financial...read more

Popular HTTP status codes and their meanings

• 200 - OK: Request succeeded

• 404 - Not Found: Resource not found

• 500 - Internal Server Error: Server error

• 401 - Unauthorized: Authentication required

• 302 - Found: Resource temporarily moved

• 503 - Service Unavailable: Server unavailable

Areas for sourcing files include referrals, networking events, online platforms, and existing clients.

• Referrals from existing clients or colleagues

• Networking events and industry conferences

• Online platforms such as LinkedIn or job boards

• Existing clients and their referrals

There are several types of loans available, including personal loans, home loans, auto loans, student loans, and business loans.

• Personal loans: Used for personal expenses such as debt consolidation or home improvement.

• Home loans: Used to purchase or refinance a home.

• Auto loans: Used to finance the purchase of a vehicle.

• Student loans: Used to fund education expenses.

• Business loans: Used by businesses to finance operations or expansion.

I use a consultative approach to understand the client's needs and offer tailored solutions.

• Research and understand the client's business and industry

• Ask open-ended questions to uncover pain points and goals

• Offer customized solutions that address their specific needs

• Follow up regularly to ensure satisfaction and identify new opportunities

Business sourcing involves identifying potential clients, building relationships, and generating leads.

• Identify target market and potential clients

• Build relationships through networking and referrals

• Utilize social media and online platforms for lead generation

• Attend industry events and conferences to connect with potential clients

• Utilize cold calling and email campaigns to reach out to prospects

Stay focused, network, tailor your resume, and prepare for interviews.

• Stay focused on your job search and don't get discouraged.

• Network with people in your desired industry and attend job fairs.

• Tailor your resume to each job you apply for.

• Prepare for interviews by researching the company and practicing common interview questions.

The number of connectors for DSA and Builder is not available.

• The available data on the number of connectors for DSA and Builder is not provided.

• Unfortunately, I don't have the information regarding the number of connectors.

• The exact count of connectors for DSA and Builder is unknown.

Repo rate is the rate at which the central bank lends money to commercial banks.

• Repo rate is set by the central bank to control inflation and stimulate economic growth.

• It is an instrument of monetary policy used to manage liquidity in the economy.

• When the repo rate is high, borrowing becomes expensive and reduces spending and investment.

• Conversely, a low repo rate encourages borrowing and stimulates economic activity.

• For example, if the central bank sets the repo rate at 5%, ...read more

I expect a competitive salary based on my qualifications and experience.

• I am looking for a salary that reflects my skills and expertise.

• I have researched the market rates for similar positions and expect a salary within that range.

• I am open to negotiation based on the overall compensation package offered.

• I value opportunities for growth and development, and a fair salary is an important factor in my decision-making process.

Loan calculation involves determining the total amount borrowed, interest rate, and loan term to calculate monthly payments.

• Determine the total amount borrowed

• Identify the interest rate

• Calculate the loan term

• Use a loan calculator or formula to determine monthly payments

LTV (Lifetime Value) is calculated by multiplying the average purchase value by the average purchase frequency and the average customer lifespan.

• LTV = Average Purchase Value x Average Purchase Frequency x Average Customer Lifespan

• Average Purchase Value: Total revenue generated from a customer divided by the number of purchases

• Average Purchase Frequency: Number of purchases made by a customer divided by the customer lifespan

• Average Customer Lifespan: Average duration a custome...read more

To sell a loan to a customer, understand their needs, highlight benefits, address concerns, and provide personalized solutions.

• Listen to the customer's financial goals and needs

• Explain the benefits of the loan, such as low interest rates or flexible repayment options

• Address any concerns or objections the customer may have

• Provide personalized solutions based on the customer's financial situation

• Offer excellent customer service and follow-up support

• Give examples of how the loan...read more

BKT1, BKT2, and BKT3 are commonly used abbreviations in the credit industry to categorize the payment behavior of borrowers.

• BKT1 refers to borrowers who have never missed a payment and have a good credit history.

• BKT2 refers to borrowers who have missed a few payments but are still considered low risk.

• BKT3 refers to borrowers who have a history of missing payments and are considered high risk.

HL files can be sourced through various channels such as online databases, professional networks, and industry conferences.

• Utilize online databases like LinkedIn, Indeed, and Glassdoor to search for potential HL files.

• Network with industry professionals and attend relevant conferences to connect with potential candidates.

• Utilize recruitment agencies or headhunters who specialize in sourcing HL files.

• Utilize social media platforms like Twitter and Facebook to reach out to pote...read more

The target for the month will depend on the sales strategy and market conditions.

• The target will be set based on the company's sales goals and objectives.

• It will also depend on the product or service being sold and the target market.

• The sales team's performance and past sales data will also be considered.

• The target may be adjusted based on market conditions and competition.

• A realistic and achievable target will be set to motivate the sales team and ensure success.

By closely monitoring sales performance, expenses, and investments, while implementing strategies to increase revenue and decrease costs.

• Analyze sales data regularly to track performance and identify areas for improvement

• Implement cost-saving measures to increase profitability

• Invest in marketing campaigns and promotions to drive sales and increase ROI

• Monitor competition and market trends to stay ahead of the curve

• Collaborate with team members to set realistic goals and target...read more

The question is unclear and seems to contain a typo. It may be asking about the number of DSAs (Direct Selling Agents) in a sales team.

• It is important to clarify with the interviewer what they mean by 'dsa'

• If they are referring to Direct Selling Agents, you can provide an estimate based on the size of the sales team

• You can also mention the importance of having a sufficient number of DSAs to effectively reach customers and drive sales

The number of Connecter is not specified in the question.

• The question is unclear and lacks context.

• It is important to ask for clarification or provide more information before answering.

• Without additional details, it is impossible to determine the exact number of Connecter.

LCR - Liquidity Coverage Ratio, LTV - Loan to Value Ratio, FOIR - Fixed Obligation to Income Ratio

• LCR is a regulatory requirement that ensures banks have enough high-quality liquid assets to withstand a significant stress scenario.

• LTV is a financial term used by lenders to express the ratio of a loan to the value of an asset purchased.

• FOIR is a measure used by lenders to assess a borrower's ability to manage monthly repayments based on their income and fixed obligations.

Building a predictive model involves data collection, preprocessing, feature selection, model training, evaluation, and deployment.

• Collect relevant data from various sources

• Preprocess the data by handling missing values, encoding categorical variables, and scaling numerical features

• Select important features using techniques like feature importance or dimensionality reduction

• Choose a suitable algorithm for training the model based on the problem at hand

• Split the data into trai...read more

Legal policies are rules and regulations set by an organization to ensure compliance with laws and ethical standards.

• Legal policies outline the expectations and responsibilities of employees regarding legal matters.

• They help protect the organization from legal risks and liabilities.

• Examples include privacy policies, anti-discrimination policies, and intellectual property policies.

Our credit policy is to conduct thorough credit checks on all potential customers before extending credit terms.

• We require customers to fill out a credit application form.

• We check the customer's credit history and score.

• We may require a personal guarantee or collateral for high-risk customers.

• We set credit limits based on the customer's creditworthiness.

• We regularly review and update credit limits based on payment history.

Our technical policy focuses on utilizing cutting-edge technology to enhance sales processes and improve customer experience.

• Utilize CRM software to track customer interactions and sales progress

• Implement data analytics tools to identify trends and opportunities

• Regularly update and train sales team on new technologies and tools

• Ensure compliance with data security and privacy regulations

Our customers range from small businesses to large corporations in various industries.

• Small businesses

• Large corporations

• Various industries (e.g. technology, healthcare, retail)

• Local businesses

• International companies

Repo rate is the rate at which RBI lends money to commercial banks. Reverse repo rate is the rate at which RBI borrows money from commercial banks.

• Repo rate is used to control inflation by increasing or decreasing the cost of borrowing for banks.

• Reverse repo rate is used to control the money supply in the economy.

• Currently, the repo rate in India is 4% and the reverse repo rate is 3.35%.

• Changes in repo and reverse repo rates affect the interest rates on loans and deposits off...read more

Yes

• Yes, I have 8 years of experience in the sales field.

• During my 8 years of experience, I have successfully managed branch sales teams and achieved sales targets.

• I have developed and implemented effective sales strategies to increase revenue and market share.

• I have built and maintained strong relationships with clients, resulting in repeat business and customer satisfaction.

• I have trained and mentored sales staff to improve their performance and achieve their goals.

• I have an...read more

An automation framework is a set of guidelines, best practices, and tools used for automated testing of software applications.

• Choose a programming language for writing test scripts (e.g. Java, Python)

• Select a testing tool for executing test scripts (e.g. Selenium, Appium)

• Implement page object model for better code organization

• Use data-driven testing for testing with multiple sets of data

• Incorporate reporting tools for tracking test results (e.g. ExtentReports)

I use a combination of digital and traditional marketing strategies to promote products and services.

• I create targeted marketing campaigns to reach specific customer segments.

• I utilize social media platforms to engage with potential customers and promote products.

• I collaborate with the marketing team to develop compelling content and advertising materials.

• I attend industry events and trade shows to network and showcase products.

• I analyze market trends and competitor strategie...read more

My last company's CTC was $80,000 per year.

• My last company offered a competitive salary package of $80,000 per year.

• The CTC included base salary, bonuses, and benefits.

• I was satisfied with the compensation package at my previous company.

My CTC acceptance is negotiable based on the job responsibilities and growth opportunities.

• My primary focus is on the job responsibilities and growth opportunities rather than the CTC.

• I am open to discussing the salary package based on the job requirements and market standards.

• I am looking for a fair and competitive compensation package.

• I am willing to consider other benefits such as health insurance, retirement plans, and bonuses.

• I am confident that we can come to a mutually...read more

The monthly targets at my previous company varied depending on the product and market conditions.

• Targets ranged from $100,000 to $500,000 per month

• Targets were adjusted quarterly based on sales performance

• Different sales teams had different targets based on territory or product focus

Piramal Finance is a financial services company in India offering various financial solutions.

• Piramal Finance is a part of Piramal Group, a diversified conglomerate in India.

• It provides financing solutions for real estate, infrastructure, and non-real estate sectors.

• The company offers various products such as debt financing, equity investments, and structured finance.

• Piramal Finance has a strong presence in the Indian financial market and has funded several high-profile proje...read more

New advanced learning capacity refers to the ability to quickly grasp and apply new information and skills.

• Continuous learning through courses, workshops, and seminars

• Utilizing technology for self-paced learning

• Seeking feedback and incorporating it into personal development

• Adapting to changes in the industry and market trends

• Networking with professionals in the field for knowledge sharing

Managing work involves prioritizing tasks, setting goals, staying organized, and effectively communicating with team members.

• Create a to-do list or use a task management tool to prioritize tasks

• Set specific goals and deadlines for each task to stay focused

• Break down larger tasks into smaller, manageable steps

• Communicate regularly with team members to ensure everyone is on the same page

• Take breaks and practice self-care to avoid burnout

Remove duplicates from an array of strings

• Iterate through the array and use a Set to store unique strings

• Convert the Set back to an array to get the final result

I have 5 years of experience in collections, including negotiating payment plans and resolving disputes.

• Managed a portfolio of delinquent accounts and consistently met collection targets

• Utilized skip tracing techniques to locate hard-to-find debtors

• Negotiated payment plans with debtors to ensure timely repayment

• Resolved billing disputes and discrepancies to prevent further delinquency

• Worked closely with legal team to escalate collection efforts when necessary