Standard Chartered Interview Questions and Answers

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Q1. Can you tell me about yourself?
Ans. 
I am a dedicated and detail-oriented analyst with a strong background in data analysis and problem-solving.
• I have a Bachelor's degree in Statistics from XYZ University.

• I have 3 years of experience working as a data analyst at ABC Company.

• I am proficient in using statistical software such as R and Python for data analysis.

• I have a proven track record of delivering actionable insights to drive business decisions.
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Q2. They ask about your work experience?
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Q3. Based on your work experience, what questions do you expect to be asked?
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Q1. What are all the off balance sheet items in banks ?
Ans. 
Off balance sheet items in banks are financial instruments or contingent liabilities that do not appear on the bank's balance sheet.
• Loan commitments

• Letters of credit

• Derivatives contracts

• Securitization transactions

• Standby letters of credit
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Q2. What is Forward rate agreement?
Ans. 
A forward rate agreement (FRA) is a financial contract between two parties to exchange interest rate payments based on a specified notional amount and a predetermined interest rate.
• FRA is a derivative contract where one party agrees to pay a fixed interest rate while the other party agrees to pay a floating interest rate based on a notional amount.

• It helps in hedging against interest rate risk by locking in a future in...read more
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Q3. What is LCR & NSFR and its purpose?
Ans. 
LCR & NSFR are regulatory requirements that banks must meet to ensure they have enough liquidity to withstand financial stress.
• LCR stands for Liquidity Coverage Ratio and measures a bank's ability to meet its short-term obligations with high-quality liquid assets.

• NSFR stands for Net Stable Funding Ratio and assesses a bank's long-term stability by comparing available stable funding to required stable funding.

• The pu...read more
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Q1. Salary discussion
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Passed all the round

Passed all the round

Q1. Passed with manager round.as well
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2 questions were asked followed by a behavioral test

Q1. Basic merge sort
Ans. 
Merge sort is a divide-and-conquer algorithm that sorts an array by recursively splitting and merging sorted subarrays.
• 1. Divide the array into two halves until each subarray contains a single element.

• 2. Merge the subarrays back together in sorted order.

• 3. Example: For array [38, 27, 43, 3, 9, 82, 10], split into [38, 27, 43] and [3, 9, 82, 10].

• 4. Continue splitting until you have [38], [27], [43], [3], [9], [82], [10]...read more
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Q2. About projects and experiences
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Q1. Why do you want to join SCB
Ans. 
I want to join SCB because of its reputation for innovation and global presence.
• SCB is known for its innovative approach to banking and financial services

• I am impressed by SCB's global network and opportunities for growth

• I believe SCB will provide me with valuable experience and skills for my future career
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Q2. Very basic hr questions
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Q1. Why did you leave the last company
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Q2. Why select SC? have you received an offer
Ans. 
I selected SC because of its strong reputation in the industry and the exciting opportunities for growth. Yes, I have received an offer.
• Strong reputation in the industry

• Exciting opportunities for growth

• Received an offer
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Q1. What did you do after work
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Q2. How you used Kafka in your project
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Q1. What is the difference between sli slo
Ans. 
SLI stands for Service Level Indicator, which measures the performance of a service. SLO stands for Service Level Objective, which defines the target level of service performance.
• SLI measures the performance of a service, such as latency, availability, throughput, etc.

• SLO defines the target level of service performance that should be achieved.

• SLIs are used to calculate SLOs and ensure that the service meets the desired...read more
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Q2. How do u handle conflicts in team.
Ans. 
I address conflicts in team by promoting open communication, active listening, and facilitating constructive discussions.
• Encourage open communication among team members to address issues early on

• Practice active listening to understand all perspectives involved

• Facilitate constructive discussions to find mutually beneficial solutions

• Set clear expectations and guidelines for resolving conflicts

• Lead by example in demonstra...read more
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Q1. After 2 interviews, HR told me I have cleared interviews, and then never scheduled the 3rd interview. Fake hirings I suppose.
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Q1. Sactioned countries
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Q2. What is money laundering
Ans. 
Money laundering is the illegal process of making large amounts of money generated by a criminal activity, such as drug trafficking or terrorist funding, appear to have come from a legitimate source.
• Money laundering involves disguising the origins of illegally obtained money by passing it through a complex sequence of banking transfers or commercial transactions.

• The purpose of money laundering is to make the money appe...read more
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Q3. Correspondence banking
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Q4. Risk Flags of transaction
Ans. 
Risk flags of transaction refer to indicators that suggest potential fraudulent or high-risk activity.
• Unusual transaction amounts or frequency

• Transactions from high-risk countries

• Sudden changes in customer behavior

• Mismatch between customer profile and transaction details

• Use of anonymous or suspicious payment methods
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Q5. Bsa and patriotic act
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