Suryoday Small Finance Bank Branch Head Interview Questions and Answers

Oil prices impact the Indian economy through various channels.

• Higher oil prices increase the cost of imported oil, leading to higher fuel prices and transportation costs.

• This can result in inflationary pressures and reduced consumer spending power.

• Industries dependent on oil, such as transportation and manufacturing, may face higher production costs.

• Oil price fluctuations also affect the value of the Indian rupee and t...read more

The PE ratio for MF varies depending on the specific mutual fund.

• PE ratio is the price-to-earnings ratio, which measures the price of a stock relative to its earnings per share.

• MF stands for mutual fund, which is a type of investment vehicle that pools money from multiple investors to purchase securities.

• The PE ratio for a mutual fund can vary depending on the specific stocks held within the fund and their earnings.

• Som...read more

PE ratio is the ratio of a company's stock price to its earnings per share (EPS).

• PE ratio helps investors determine if a stock is overvalued or undervalued.

• A high PE ratio may indicate that a stock is overvalued, while a low PE ratio may indicate that it is undervalued.

• For example, if a company's stock is trading at $50 per share and its EPS is $5, then its PE ratio is 10.

• PE ratio can vary across industries and should ...read more

I want to improve customer experience by providing personalized services and innovative solutions.

• Introduce a mobile app for easy access to banking services

• Offer customized financial solutions based on customer needs

• Provide 24/7 customer support through various channels

• Streamline the account opening process to reduce wait time

• Organize financial literacy workshops to educate customers

I will drive the team for business by setting clear goals, providing regular feedback, and incentivizing performance.

• Set clear and achievable goals for the team

• Provide regular feedback and coaching to help team members improve

• Incentivize performance through bonuses, promotions, and recognition

• Encourage collaboration and teamwork to maximize productivity

• Lead by example and demonstrate a strong work ethic

• Stay up-to-date ...read more

I am most confident and comfortable in building the CASA book for the retail segment.

• I have extensive experience in dealing with retail customers and understanding their needs.

• I have a strong network in the retail segment and can leverage it to build the CASA book.

• I am well-versed with the products and services that are most suitable for the retail segment.

• I have a track record of successfully building the CASA book fo...read more

I can process around 20-25 cases on a daily basis depending on the complexity of the cases.

• The number of cases processed depends on the complexity of the cases.

• On average, I can process around 20-25 cases per day.

• I prioritize cases based on their urgency and importance.

Our approval rate is 85% and delinquency rate is 5% for the current product.

• Our approval rate is higher than industry average.

• We have strict credit checks in place to maintain low delinquency rate.

• We continuously monitor and analyze our approval and delinquency rates to make necessary adjustments.

• For example, we recently increased our credit score requirement to reduce delinquency rate.