The Greater Bombay Co-operative Bank Interview Questions and Answers

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. Discussed about my personal discussion and my overall experience
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Q2. Disussion about product knowledge
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Q3. Discussed about why didn't have team handling Experience?
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Q1. What is current CTC?
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Q2. What is the Expectation CTC?
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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

They had given 10 MCQs questions based on OOPs(Java), 2 MCQs on SQL, 1 SQL Query to run and 1 DSA question to code based on Strings, so overall 14 question. Difficulty level was easy to Medium.

Q1. Explain the time complexity of different sorting algorithms.
Ans. 
Sorting algorithms have different time complexities based on their implementation and efficiency.
• Bubble Sort: O(n^2) - compares adjacent elements and swaps them if they are in the wrong order.

• Merge Sort: O(n log n) - divides the array into two halves, sorts them, and then merges them.

• Quick Sort: O(n log n) - picks a pivot element and partitions the array around the pivot.

• Heap Sort: O(n log n) - builds a max heap and re...read more
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Q2. Usage of Hashmaps and Dictionaries
Ans. 
Hashmaps and dictionaries are data structures used to store key-value pairs for efficient retrieval and storage.
• Hashmaps and dictionaries are commonly used in programming to store and retrieve data based on a unique key.

• They offer fast lookup times, typically O(1) on average, making them ideal for scenarios where quick access to data is required.

• Examples of using hashmaps include storing user information with a unique ...read more
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Q3. Explain 4 pillars of OOPs (Abstraction, Encapsulation, Inheritance and polymorphism)
Ans. 
OOPs pillars are Abstraction, Encapsulation, Inheritance, and Polymorphism.
• Abstraction: Hides complex implementation details and only shows necessary features. Example: Car dashboard displaying speed without showing internal engine details.

• Encapsulation: Bundling data and methods that operate on the data into a single unit. Example: Class in Java encapsulates data members and member functions.

• Inheritance: Allows a new ...read more
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Q4. Explain JOINS(Inner join, LEFT Join etc)
Ans. 
JOINS are used in SQL to combine rows from two or more tables based on a related column between them.
• Inner Join: Returns rows when there is at least one match in both tables.

• LEFT Join: Returns all rows from the left table, and the matched rows from the right table.

• RIGHT Join: Returns all rows from the right table, and the matched rows from the left table.

• FULL Join: Returns rows when there is a match in one of the table
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Q5. Why Barclays? What do you think we do?
Ans. 
Barclays is a global financial services company with a focus on innovation and technology.
• Barclays is a leading global bank with a strong presence in the financial services industry.

• Barclays is known for its commitment to innovation and technology in the financial sector.

• Barclays offers a wide range of services including banking, investment management, and wealth management.

• Barclays has a strong reputation for providin...read more
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Q6. How do you manage stress and prepare yourself to work under tight deadlines? Can you describe a situation from the past where you faced a similar challenge and how you handled it?
Ans. 
I manage stress by prioritizing tasks, breaking them down into smaller steps, and seeking help when needed.
• Prioritize tasks based on deadlines and importance

• Break down tasks into smaller, manageable steps

• Seek help from team members or mentors when feeling overwhelmed

• Practice time management and set realistic goals
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Q7. Asked a few questions on the projects I mentioned in my resume.
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