State Bank of Travancore Interview Questions and Answers

Q1. What is the Singleton pattern ? in how many ways can this pattern be broken ?
Ans. 
Singleton pattern ensures a class has only one instance and provides a global point of access to it.
• Singleton pattern can be implemented by making the constructor private and providing a static method to access the instance.

• The pattern can be broken by using reflection to access the private constructor and create multiple instances.

• Another way to break the Singleton pattern is by using multiple class loaders in Java.

• Th...read more
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Q2. What is the internal implementation of hashmap? Let's assume that you want to store duplicate keys in the hashmap, how can we achieve the same in hashmap ?
Ans. 
HashMap internally uses an array of linked lists to store key-value pairs. To store duplicate keys, we can use a custom implementation of HashMap.
• HashMap internally uses an array of linked lists to handle collisions.

• To store duplicate keys, we can create a custom HashMap implementation that allows multiple values for the same key.

• One approach is to use a HashMap with values as lists, where each key can have multiple va
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Q1. What microservices patterns are you aware ? let's assume that there is a microservice based architecture and service A is calling service B which in turn service C. If service b fails, how will you manage ...read more
Ans. 
Use compensating transactions and distributed tracing for managing transaction and logging in case of service B failure.
• Implement compensating transactions to rollback changes made by service B in case of failure.

• Use distributed tracing to track the flow of requests and identify where the failure occurred.

• Implement retry mechanisms to handle transient failures in service B.

• Use circuit breakers to prevent cascading fail...read more
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Q2. System Design question : Design a booking wesite for.eg: bookin.com ?
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Q1. Explain capital markets
Ans. 
Capital markets are where financial securities are bought and sold, including stocks, bonds, and commodities.
• Capital markets facilitate the buying and selling of financial securities such as stocks, bonds, and commodities.

• They provide a platform for companies and governments to raise capital by issuing securities to investors.

• Investors can trade these securities through exchanges like the New York Stock Exchange (NYSE)...read more
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Q2. Explain Reconciliation, explain bond market, futures and options
Ans. 
Reconciliation involves comparing two sets of records to ensure they are in agreement. Bond market, futures, and options are financial instruments used for trading.
• Reconciliation is the process of comparing two sets of records to ensure they are in agreement, typically used in accounting to verify transactions.

• The bond market is where investors buy and sell debt securities issued by governments or corporations, with th...read more
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Q1. How do you handle audit queries
Ans. 
I handle audit queries by thoroughly reviewing the information, communicating effectively with stakeholders, and providing detailed responses.
• Thoroughly review the audit query to understand the scope and requirements

• Communicate with relevant stakeholders to gather necessary information and clarify any doubts

• Provide detailed responses with supporting documentation and explanations

• Follow up on any outstanding queries to
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Q2. How to handle team
Ans. 
Handle team by setting clear expectations, providing support, fostering open communication, and recognizing achievements.
• Set clear expectations and goals for the team members.

• Provide necessary support and resources to help team members succeed.

• Foster open communication and encourage feedback from team members.

• Recognize and reward achievements to motivate the team.

• Address conflicts and issues promptly to maintain a posi
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Q1. Life insurance is very important . why Life insurance is important?
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Q2. What expectations your life insurance?
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Q1. What's name? Please enter your name and your personal details?
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Q2. Please give me questions answers and I help you any problem?
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Q1. What expectations your salary?
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Q2. What's opinion your this company and this job?
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Q1. How important an honest person for the organisation's real growth?
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Q2. Should there be retirement if the person is fit?
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Q3. Should not there be the pension for an honest employee after atleast 5years of one's job with the organisation?
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3 coding que easy,med and hard

Q1. Os related que What is kernel , OS types ,what happens after booting computr ,etc
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Q2. Creat a array and print all elements , which database used for pdf storing sql or nosql
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Q1. OOps related que abstraction , inheritance , code it
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Q2. Middel element of linked list
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Q1. What challenges u faced in engineering?
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Q2. Situational based questions
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Q1. Why u choose to work deustch bank ?
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Q2. Project related quw
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Q1. What are the aml and kyc requirements?
Ans. 
AML and KYC requirements are regulations that financial institutions must follow to prevent money laundering and verify the identity of their customers.
• AML (Anti-Money Laundering) requirements involve monitoring transactions, reporting suspicious activities, and conducting customer due diligence.

• KYC (Know Your Customer) requirements involve verifying the identity of customers, assessing their risk level, and maintainin...read more
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Q2. Why should we hire you, briefly describe a scenario where you would showcase a different skill or talent compared with your fellow employees?
Ans. 
I have a strong attention to detail and analytical skills that set me apart from my colleagues.
• I have a proven track record of accurately identifying and resolving discrepancies in KYC documentation.

• I excel at conducting thorough research and analysis to ensure compliance with regulations.

• My ability to effectively communicate complex information to stakeholders sets me apart in team collaborations.
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Q3. Strength and weakness?
Ans. 
Strength: attention to detail, Weakness: perfectionism
• Strength: Ability to meticulously review documents and identify discrepancies

• Strength: Strong analytical skills to detect potential risks or fraudulent activities

• Weakness: Striving for perfection may lead to spending too much time on a task

• Weakness: Difficulty in delegating tasks due to desire for everything to be done perfectly
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Q4. Project and achievements?
Ans. 
Implemented a new KYC process resulting in 30% reduction in onboarding time and 20% decrease in errors.
• Led a team to revamp KYC procedures and systems

• Introduced automation tools to streamline verification process

• Trained staff on updated KYC regulations and best practices
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Q5. Are you a team player? What do you do when you don’t get along with certain colleagues? How do you manage conflict resolution?
Ans. 
Yes, I am a team player. I believe in open communication and collaboration. When conflicts arise, I address them directly and seek resolution.
• I believe in open communication and collaboration within the team.

• I address conflicts directly and seek resolution through constructive conversations.

• I focus on finding common ground and working towards a solution that benefits the team as a whole.
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Q6. Provide a situation where you might have failed previously? What has that experience taught you?
Ans. 
I failed to meet a deadline due to poor time management.
• Underestimated the time needed for a project

• Did not prioritize tasks effectively

• Learned to create a detailed schedule and set realistic deadlines
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General English grammar knowledge and some calculations

Q1. CTC and expected salary details?
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Q2. No you cannot negotiate and end up taking what they give you!
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Q3. No relocation time, do it during weekends
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Q4. No target compensation or other benefits
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Q5. If ur employed through agency or consultancy you will be always a contingent and treated less than permanent employees
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Q6. 12 hours a day, 6 days a week, no social or life balance
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Q1. Behavioral assessment
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Logical, react, SQL related questions

Q1. Interviewed by Business Head. Mostly behavioral questions and some past experience related
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Q1. Interview by VP. Frontend general technical questions
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Q1. Interviewed by Director. Competency based Leadership interview
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Q1. Yet to recieve the final status whether selected or rejected. HR asked payslip and other docs and shared the same.
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Q2. HRs are very friendly and quickly respond to your queries.
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Q1. What's your current experience
Ans. 
I have 5 years of experience in credit analysis and risk assessment in the banking industry.
• 5 years of experience in credit analysis and risk assessment

• Proficient in financial statement analysis

• Strong understanding of credit risk management

• Experience in evaluating loan applications and determining creditworthiness

• Familiarity with regulatory requirements in the banking sector
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Q2. Did you achieved any goal in previous platform.
Ans. 
Yes, I achieved a goal of increasing loan approval rate by 15% in my previous role.
• Implemented new credit evaluation process to streamline decision-making

• Provided training to team members on identifying creditworthy applicants

• Collaborated with sales team to improve communication and documentation

• Utilized data analytics to identify trends and make data-driven decisions
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Q3. Do you participate any bankingevents
Ans. 
Yes, I actively participate in banking events to stay updated on industry trends and network with professionals.
• I regularly attend banking conferences and seminars to learn about new regulations and technologies in the industry.

• I have participated in workshops on credit risk management and financial analysis to enhance my skills and knowledge.

• I am a member of a banking association where I attend networking events to co
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Q4. Are you suitable for appliedrole.
Ans. 
Yes, I am suitable for the role of Credit Officer due to my strong financial background and experience in analyzing credit risk.
• I have a degree in finance and have completed relevant courses in credit analysis.

• I have previous experience working as a credit analyst, where I successfully assessed credit risk for various clients.

• I am proficient in financial modeling and have a strong understanding of financial statements.

• ...read more
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Q5. Tell about Equitas bank
Ans. 
Equitas Small Finance Bank is a scheduled commercial bank in India focused on serving the financial needs of micro and small enterprises.
• Equitas Small Finance Bank was established in 2007 as a microfinance institution before receiving a banking license in 2016.

• The bank offers a range of financial products and services including savings accounts, fixed deposits, loans, and insurance.

• Equitas Small Finance Bank has a stro...read more
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Discuss about financial risk and management

Q1. Walk me through your resume. About insurance process what is policy life cycle.
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Q2. Tell me about your previous role.
Ans. 
I was responsible for analyzing and improving processes to increase efficiency and productivity.
• Led process improvement initiatives to streamline operations

• Identified bottlenecks and implemented solutions to optimize workflows

• Collaborated with cross-functional teams to gather data and feedback

• Utilized data analysis tools to track performance metrics

• Developed and implemented process documentation and training materials
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Yet to complete the test

Q1. Asked about Gallagher.
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Q2. What do you know about Gallagher.
Ans. 
Gallagher is a global insurance brokerage, risk management, and consulting firm.
• Founded in 1927 by Arthur J. Gallagher

• Headquartered in Rolling Meadows, Illinois

• Provides insurance, risk management, and consulting services globally

• Offers services in areas such as commercial insurance, employee benefits, and personal insurance

• Has a strong focus on client relationships and personalized service
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Q1. Situation based questions were asked.
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Q2. How would you built the trust with the stakeholders
Ans. 
Building trust with stakeholders involves open communication, transparency, and delivering on commitments.
• Establish open lines of communication with stakeholders to address concerns and provide updates

• Be transparent about project progress, challenges, and decisions

• Deliver on commitments and follow through on promises to build credibility

• Seek feedback from stakeholders and incorporate their input into decision-making pr...read more
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