Prestamo Wings Personal Loan Sales Executive Interview Questions and Answers

Which programming languages do you use regularly in your work?

Q1. How many programming languages do you know?
Ans. 
I am proficient in three programming languages: Java, Python, and SQL.
• Java

• Python

• SQL
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Q2. How many programming languages do you know
Ans. 
I am proficient in three programming languages: Java, Python, and SQL.
• Java

• Python

• SQL
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Q3. Do you have any technical certifications that make you qualified for this job
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Q4. Are you currently married
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Q5. Where do you live in uttar pradesh
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Q1. Why are you looking for a change?
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Q2. How will u deploy manpower
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Q3. When associate will not working what will u do
Ans. I will speak with associate what barriers of associated and will clear
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Q4. Why should you taken this post only
Ans. Looking for some impoverment on my company
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Q1. Tell yourself the change information
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Q2. Say savings account & current account different
Ans. 
Savings account and current account are different in terms of their purpose and usage.
• Savings account is meant for saving money and earning interest, while current account is meant for business transactions.

• Savings account usually has a limit on the number of transactions per month, while current account has no such limit.

• Savings account usually offers higher interest rates than current account.

• Examples of savings acco...read more
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Q1. Give me a brief introduction about yourself ?
Ans. 
I am a dedicated and customer-focused Personal Banker with a strong background in financial services.
• I have X years of experience in the banking industry

• I excel in building relationships with clients and providing personalized financial solutions

• I am skilled in conducting financial assessments and recommending appropriate products and services

• I have a proven track record of meeting and exceeding sales targets

• I am profi...read more
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Q2. What was your last CTC ?
Ans. 
My last CTC was $50,000 per year.
• My last CTC was $50,000 per year

• I received an annual salary of $50,000 in my previous position

• My last compensation package was $50,000 per annum
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Q3. Tell me about your family background ?
Ans. 
I come from a close-knit family with a diverse background and strong values.
• My parents are both professionals - my mother is a teacher and my father is an engineer.

• I have two siblings, an older brother who works in finance and a younger sister who is studying to become a doctor.

• We often gather for family dinners and celebrate holidays together.

• Family is very important to me and has shaped my values and work ethic.
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Q4. Do you have any location preference?
Ans. 
I am open to working at any location based on the job requirements and opportunities available.
• I am flexible with location and willing to relocate if necessary

• I prioritize job fit and growth opportunities over location preference

• I am excited about the possibility of working in different environments and meeting new people
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Q5. Do you have any questions for me ?
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Q1. How much experience you have
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Q2. Do you know about banking products
Ans. 
Yes, I am familiar with various banking products such as savings accounts, checking accounts, loans, credit cards, and investment options.
• Savings accounts: Help customers save money while earning interest

• Checking accounts: Provide easy access to funds for everyday transactions

• Loans: Offer financial assistance for large purchases or emergencies

• Credit cards: Allow customers to make purchases on credit with varying reward...read more
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Q3. Do you know TPP products
Ans. 
Yes, TPP products refer to a range of financial products offered by the Third Party Providers.
• TPP products are financial products offered by Third Party Providers

• Examples include insurance products, investment products, and loan products

• Personal Bankers should be familiar with TPP products to better assist customers
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Q1. Do you know TPP PRODUCTS
Ans. 
TPP PRODUCTS are a range of financial products offered by the Third Party Providers in the banking industry.
• TPP PRODUCTS refer to financial products offered by Third Party Providers in the banking sector.

• These products are not directly provided by the bank but are offered through partnerships with external providers.

• Examples of TPP PRODUCTS include insurance policies, investment products, and credit cards.

• Personal Bank...read more
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Q2. What is Life insurance, Mutual fund and health
Ans. 
Life insurance provides financial protection to beneficiaries in case of policyholder's death. Mutual funds pool money from multiple investors to invest in securities. Health insurance covers medical expenses.
• Life insurance provides a lump sum payment to beneficiaries upon the death of the policyholder.

• Mutual funds are investment vehicles that pool money from multiple investors to invest in stocks, bonds, or other secu...read more
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Q3. What is the liability and assets for banks
Ans. 
Liabilities are debts and obligations of the bank, while assets are resources owned by the bank.
• Liabilities include customer deposits, loans from other banks, and bonds issued by the bank.

• Assets include cash reserves, loans given out by the bank, and investments in securities.

• The balance sheet of a bank shows the total liabilities and assets, with liabilities typically exceeding assets due to the nature of banking oper
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Q1. What is Different between FD AND RD
Ans. 
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 involves regular deposits over a period.

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

• FD typically ...read more
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Q2. Types of life insurance
Ans. 
Types of life insurance include term life, whole life, universal life, and variable life.
• Term life insurance provides coverage for a specific period of time, typically 10-30 years.

• Whole life insurance offers coverage for the entire lifetime of the insured and includes a cash value component.

• Universal life insurance provides flexibility in premium payments and death benefits.

• Variable life insurance allows policyholders ...read more
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Q3. How much you can do life insurance by own
Ans. 
As a Personal Banker, I can provide information on life insurance options but cannot sell or underwrite policies myself.
• As a Personal Banker, I can educate clients on different types of life insurance policies available in the market.

• I can help clients understand the importance of life insurance in financial planning.

• I can refer clients to licensed insurance agents or companies for purchasing life insurance policies.

• I ...read more
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Q4. Give a pitch for life insurance and FD & RD
Ans. 
Life insurance provides financial security for loved ones, while FD & RD offer safe investment options with guaranteed returns.
• Life insurance ensures financial protection for your family in case of unexpected events.

• Fixed Deposits (FD) provide a safe investment option with guaranteed returns over a fixed period of time.

• Recurring Deposits (RD) allow you to save regularly and earn interest on your savings.

• Combining life ...read more
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Q1. Tell me about yourself?
Ans. 
Experienced personal banker with a strong background in customer service and financial management.
• Began career in banking after graduating with a degree in finance

• Skilled in building relationships with clients and providing personalized financial advice

• Successfully increased customer satisfaction and retention rates at previous bank

• Proficient in various banking software and systems
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Q2. What is your responsibility in your last organization?
Ans. 
As a Personal Banker in my last organization, my responsibilities included assisting customers with their banking needs, promoting financial products, and ensuring compliance with banking regulations.
• Assisting customers with various banking transactions

• Promoting and cross-selling financial products and services

• Ensuring compliance with banking regulations and policies

• Providing excellent customer service and building rel
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Q3. What do you know about our company?
Ans. 
Your company is a leading financial institution known for its customer-centric approach and innovative banking solutions.
• Your company has a strong reputation for providing excellent customer service

• It offers a wide range of banking products and services, including savings accounts, loans, and investment options

• The company is known for its commitment to community involvement and corporate social responsibility

• It has won...read more
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Easy, English math and reasoning

Q1. Tell me About yourself
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Q2. What is your work profile in previous Organisation
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Q3. Why you want to left the previous organisation
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Q4. Are you comfortable with sales
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Q1. How Much portfolio you are handling
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Q2. How much insurance done in last year
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Q3. How many HNI client you bring in
Ans. 
I have successfully brought in 10 HNI clients in the past year.
• I have a proven track record of attracting high net worth individuals to the bank.

• I utilize my networking skills to connect with potential HNI clients.

• I provide personalized financial solutions to meet the needs of HNI clients.

• I actively participate in community events and networking opportunities to expand my client base.
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