RBL Bank Client Relationship Manager Interview Questions and Answers

Q1. What is working capital
Ans. 
Working capital is the difference between a company's current assets and current liabilities.
• Working capital is essential for a company's day-to-day operations.

• It indicates the company's ability to meet its short-term financial obligations.

• Formula: Working Capital = Current Assets - Current Liabilities

• Examples: Cash, accounts receivable, inventory are current assets. Accounts payable, short-term loans are current liabi
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Q2. What is DSCR Ratio
Ans. 
DSCR Ratio is Debt Service Coverage Ratio, a financial metric used to measure a company's ability to cover its debt obligations.
• DSCR Ratio is calculated by dividing a company's operating income by its total debt service payments.

• A DSCR Ratio of 1 or higher indicates that a company is generating enough income to cover its debt payments.

• Lenders typically look for a DSCR Ratio of 1.25 or higher when evaluating a company's
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Q1. Existing work experience
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Q2. No more expectations salary
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Q1. Salary discussion
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Q2. Nothing asking 2
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Q1. No 3rd round interview
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Q1. Self introduction
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Q2. Family introduction previous work
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Q1. How can you source business
Ans. 
Sourcing business involves networking, cold calling, referrals, and attending industry events.
• Networking with existing clients and industry professionals

• Cold calling potential clients to introduce services

• Asking for referrals from satisfied clients

• Attending industry events and conferences to meet potential clients

• Utilizing social media platforms for lead generation
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Q2. How can you handle panic customers
Ans. 
Remaining calm, listening actively, empathizing, providing solutions, and following up.
• Remain calm and composed to help reassure the customer

• Listen actively to understand the customer's concerns

• Empathize with the customer to show understanding and support

• Provide solutions or options to address the customer's issues

• Follow up with the customer to ensure their needs are met
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Q1. Explain yourself
Ans. My self suchethan I am studied graduate in sdm college I participated many events My father is assistant manager mother is house wife i have a sibling
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Statistics tally Excel

They test with some aptitude reasoning, English grammar and GK.

Writing skills test topic on online classes Vs offline classes .The marks obtained will be added to the final interview .

Q1. Tell me about your self
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Q2. Tell me about your family background
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Q3. Question related to subjects which you Mentions
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Q4. GK questions like who is finance minister ,president, Prime Minister.
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Q5. What are the functions of the banking
Ans. 
Functions of banking include accepting deposits, providing loans, facilitating payments, and offering financial services.
• Accepting deposits from customers

• Providing loans to individuals and businesses

• Facilitating payments through various channels like checks, online transfers, and cards

• Offering financial services such as investment management, insurance, and wealth management

• Acting as intermediaries between borrowers an
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Q6. Questions related to relocation, comfortable with job description.
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Q1. Maths and english
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Q1. Tell me about yourself
Ans. 
I am an experienced relationship manager with a strong track record in building and maintaining client relationships.
• I have worked in the banking industry for over 10 years, specializing in relationship management.

• I have a proven ability to understand client needs and provide tailored solutions.

• I excel in building trust and rapport with clients, resulting in long-term partnerships.

• I am skilled in cross-selling and upse...read more
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Q2. Past job experiences
Ans. 
I have worked as a Relationship Manager for the past 5 years, handling client portfolios and building strong customer relationships.
• Managed a portfolio of high net worth clients, providing personalized financial advice and solutions.

• Developed and implemented strategies to increase client retention and satisfaction.

• Collaborated with cross-functional teams to address client needs and resolve issues.

• Organized and conducte...read more
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