PNB Housing Finance
10+ Smartwash Solutions Interview Questions and Answers
Q1. Difference between EDR, XDR and End point security
EDR, XDR and Endpoint Security are all related to protecting endpoints, but differ in their scope and capabilities.
EDR (Endpoint Detection and Response) focuses on detecting and responding to threats on individual endpoints.
XDR (Extended Detection and Response) expands the scope to include multiple endpoints and other security tools, allowing for more comprehensive threat detection and response.
Endpoint Security refers to a broader category of tools and strategies for protect...read more
Q2. What is home loan and non home loan
Home loan is a loan taken to purchase or construct a house, while non-home loan is a loan taken for other purposes.
Home loan is secured against the property being purchased or constructed
Non-home loan can be secured or unsecured
Examples of non-home loans include personal loans, car loans, and education loans
Q3. Endpoint protection used and knowledge
I have extensive knowledge and experience in implementing and managing endpoint protection solutions.
I have worked with various endpoint protection solutions such as Symantec Endpoint Protection, McAfee Endpoint Security, and Windows Defender
I am familiar with configuring and managing policies for endpoint protection
I have experience in monitoring and responding to endpoint security incidents
I stay up-to-date with the latest threats and vulnerabilities in endpoint security
Q4. What is the process of attracting, selecting, and hiring candidates for a job called?
The process of attracting, selecting, and hiring candidates for a job is called recruitment.
Recruitment involves sourcing potential candidates through various channels.
Candidates are then screened and evaluated to determine their suitability for the job.
The hiring process includes conducting interviews, checking references, and making a final selection.
Recruitment strategies may include job postings, networking, and utilizing recruitment agencies.
Example: A company advertisin...read more
Q5. Backup solution used and knowledge
We use Veeam Backup and Replication. I have extensive knowledge of its features and functionality.
Our backup solution is Veeam Backup and Replication
I have extensive knowledge of its features and functionality
We use it for both local and offsite backups
We have set up backup schedules and retention policies
We regularly test our backups to ensure they are recoverable
Q6. Type of home loan and non home loan
There are various types of home loans and non-home loans offered by banks and financial institutions.
Home loans include purchase loans, construction loans, renovation loans, and balance transfer loans.
Non-home loans include personal loans, car loans, education loans, and business loans.
Home loans are secured loans while non-home loans are unsecured loans.
Interest rates and repayment tenures vary for different types of loans.
Banks and financial institutions have different elig...read more
Q7. Asset management and their lifecycle
Asset management involves tracking and managing assets throughout their lifecycle.
Asset management includes acquisition, maintenance, and disposal of assets.
Lifecycle stages include planning, procurement, deployment, operation, and retirement.
Asset tracking systems can help manage and optimize asset utilization.
Examples of assets include hardware, software, equipment, and facilities.
Q8. ITSM tools used and knowledge
I have experience with various ITSM tools such as ServiceNow, JIRA, and BMC Remedy.
Proficient in ServiceNow, JIRA, and BMC Remedy
Experience in implementing and customizing ITSM tools
Knowledge of ITIL framework and best practices
Ability to analyze and improve ITSM processes
Familiarity with incident, problem, change, and asset management
Experience in integrating ITSM tools with other systems
Continuous learning and keeping up-to-date with new ITSM tools and trends
Q9. Endpont security solution
Endpoint security solutions are software tools that protect network endpoints from cyber threats.
Endpoint security solutions protect devices such as laptops, desktops, and mobile devices from malware, phishing attacks, and other cyber threats.
These solutions typically include antivirus and anti-malware software, firewalls, intrusion prevention systems, and data encryption tools.
Examples of endpoint security solutions include Symantec Endpoint Protection, McAfee Endpoint Secur...read more
Q10. What is the purpose of performance management?
Performance management is the process of setting goals, assessing progress, and providing feedback to improve employee performance.
Performance management helps align individual and organizational goals.
It provides a framework for measuring and evaluating employee performance.
Feedback and coaching are integral parts of performance management.
Performance management helps identify areas for improvement and development.
It supports employee engagement and motivation.
Performance ma...read more
Q11. Where is your sourcing area and who is channels partner
Our sourcing area is primarily in Asia, with key channel partners including suppliers in China, India, and Vietnam.
Primary sourcing area is Asia
Key channel partners include suppliers in China, India, and Vietnam
Q12. How will you assess the customer with low cibil score
Assessing customers with low cibil score involves analyzing their credit history, financial stability, and potential risk factors.
Review the customer's credit report to understand the reasons for the low CIBIL score
Assess the customer's current financial situation, including income, expenses, and existing debts
Consider any extenuating circumstances that may have led to the low CIBIL score, such as medical emergencies or job loss
Evaluate the customer's repayment behavior on pr...read more
Q13. What do you know about finance of home loans?
Finance of home loans involves lending money to individuals to purchase or refinance a home, with interest rates and terms based on creditworthiness.
Home loans are a type of mortgage loan specifically for purchasing or refinancing a home
Interest rates on home loans can be fixed or adjustable
Terms of home loans can vary, typically ranging from 15 to 30 years
Creditworthiness plays a significant role in determining the interest rate and terms of a home loan
Q14. Volume of files handled and approval to login ratio
The volume of files handled and approval to login ratio is a key metric to assess efficiency and productivity.
The volume of files handled refers to the number of credit applications or cases processed by the credit manager within a specific time frame.
Approval to login ratio indicates the percentage of credit applications approved compared to the total number of applications logged in by the credit manager.
A high volume of files handled coupled with a high approval to login r...read more
Q15. How you handle branch escalations?
I handle branch escalations by actively listening to the customer, empathizing with their situation, and finding a solution that meets their needs.
Listen to the customer's concerns and complaints
Empathize with the customer and acknowledge their frustration
Find a solution that meets the customer's needs and resolves the issue
Communicate the solution clearly and follow up to ensure customer satisfaction
Q16. Ways to increase in Loyal customer base.
To increase loyal customer base, focus on customer satisfaction, personalized experiences, loyalty programs, and social media engagement.
Provide excellent customer service and address any issues promptly
Offer personalized experiences and tailor products/services to individual needs
Implement a loyalty program with rewards and incentives
Engage with customers on social media and respond to feedback
Create a sense of community through events and exclusive offers
Provide value-added...read more
Q17. How to identify khasra property.
Q18. Valuation & potential of file assessing.
Q19. Ways to retain customers
Retaining customers is crucial for business growth. Here are some ways to do it.
Provide excellent customer service
Offer loyalty programs and rewards
Personalize communication and offers
Regularly ask for feedback and act on it
Stay in touch through email, social media, or newsletters
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