Ujjivan Small Finance Bank Relationship Manager Interview Questions and Answers

Q1. What were you looking last organisation.
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Q2. Banking products knowledge
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Q3. Customer handling, sales Banking products.
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Financial related. Banking related questions.

Q1. Manager and zonel manager interview
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Q2. What is location and work
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Q1. What Is The Time for interview
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Q2. What Is The Offer Letter
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An offer letter is a formal document that outlines the terms and conditions of a job offer.
• Contains details such as job title, salary, start date, benefits, and any conditions of employment.

• Typically includes a deadline for accepting the offer and instructions on how to do so.

• May also include information on background checks, drug tests, and other pre-employment requirements.
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Q3. Conframation Required
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Q4. Please Share Ditails On Mail..
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I will provide details on mail as requested.
• I will include all relevant information in the email.

• I will ensure the email is clear and concise.

• I will address any specific questions or concerns mentioned in the interview.
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Q5. My Notice Timeing 1 Month
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Q1. What Is the Job Loacstion
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Q2. My Experience Is 6 Years..
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Q1. What is your work experience?
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I have 5 years of experience working as a Relationship Manager in the banking industry.
• Managed a portfolio of high net-worth clients

• Developed and maintained relationships with clients to understand their financial needs

• Provided personalized financial solutions and advice to clients

• Collaborated with internal teams to ensure seamless delivery of services

• Achieved sales targets and contributed to the overall growth of the
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Q2. Please tell me about work of business loan, Secured, unsecured, CC, OD, working capital, LAP.
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Business loans can be secured or unsecured, with options like CC, OD, working capital, and LAP available for businesses.
• Business loans can be secured by collateral such as property or equipment, providing a lower interest rate.

• Unsecured loans do not require collateral but may have higher interest rates to compensate for the risk.

• CC (Cash Credit) is a type of loan where the borrower can withdraw funds up to a certain li...read more
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Q3. Please tell me about your family members
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I come from a close-knit family of five, including my parents, older sister, and younger brother.
• Parents are both retired and enjoy traveling

• Older sister is a lawyer and lives in a different city

• Younger brother is studying engineering at university
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Q1. What is working capital
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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
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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. Tell me about yourself
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Experienced Relationship Manager with a strong background in client relations and business development.
• Over 5 years of experience in managing client portfolios and fostering strong relationships

• Proven track record of exceeding sales targets and driving revenue growth

• Skilled in identifying client needs and providing tailored solutions

• Excellent communication and negotiation skills

• Previous experience in financial services
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Q2. What is your favourite banking product
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My favorite banking product is the high-yield savings account.
• I appreciate the competitive interest rates offered by high-yield savings accounts

• I value the ability to easily access my funds while still earning a good return

• Examples include online banks like Ally Bank or Marcus by Goldman Sachs
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Q1. Say something about you.
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I am a dedicated and empathetic Relationship Manager with a passion for helping clients achieve their financial goals.
• I have a strong background in finance and customer service.

• I excel at building and maintaining relationships with clients.

• I am skilled at analyzing financial data and providing tailored solutions to meet clients' needs.
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Q2. Some banking related questions.
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Q1. Ask about previous organization and management.
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Q2. Package and notice period.
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