Ujjivan Small Finance Bank Interview Questions, Process, and Tips

Normal topics were given , nothing tough

Q1. Casual questions nothing complex
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Q1. Introduce about yourself ?
Ans. 
Experienced loan officer with a strong background in finance and customer service.
• I have worked in the finance industry for over 5 years

• I have a proven track record of successfully closing loans for clients

• I excel at building relationships with clients and providing excellent customer service
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Q2. Whats your previous company work policy
Ans. 
The previous company work policy was focused on customer satisfaction, compliance with regulations, and efficient loan processing.
• Customer satisfaction was a top priority

• Strict adherence to regulations and compliance standards

• Efficient loan processing to ensure timely approvals

• Regular training and updates on industry best practices

• Emphasis on teamwork and collaboration among loan officers
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Q3. How to count foir from salary
Ans. 
FOIR can be calculated by dividing total fixed obligations by gross monthly income.
• Calculate total fixed obligations including existing loan EMIs, rent, and other fixed monthly expenses.

• Divide total fixed obligations by gross monthly income to get FOIR.

• FOIR = Total Fixed Obligations / Gross Monthly Income

• For example, if total fixed obligations are $1000 and gross monthly income is $5000, FOIR would be 20%.
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Q4. What is funding policy for lap case
Ans. 
Funding policy for Loan Against Property (LAP) cases involves evaluating property value, borrower's creditworthiness, and loan-to-value ratio.
• LAP funding policy involves assessing the value of the property being used as collateral.

• Creditworthiness of the borrower is also considered in LAP funding decisions.

• Loan-to-value ratio plays a crucial role in determining the amount of funding that can be provided.

• Lenders may hav...read more
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Q1. Why you leave from previous organisation?
Ans. 
I left my previous organization to seek new challenges and opportunities for growth.
• Seeking new challenges and opportunities for growth

• Desiring a change in work environment

• Looking for better career advancement prospects
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Q2. What is your current CTC?
Ans. 
My current CTC is $50,000 per year.
• My current CTC is $50,000 per year

• CTC stands for Cost to Company

• It includes salary, bonuses, benefits, and any other perks provided by the employer
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Q3. What is your ambition?
Ans. 
My ambition is to become a successful Teller and eventually work my way up to a management position within the banking industry.
• To excel in my role as a Teller by providing excellent customer service and accurate financial transactions

• To continuously improve my skills and knowledge in banking and finance

• To take on leadership roles and responsibilities within the bank

• To eventually become a manager or supervisor in the b
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Q4. Self introduction?
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Q1. Talk about yourself
Ans. 
Experienced Customer Relationship Manager with a passion for building strong client relationships and driving customer satisfaction.
• Over 5 years of experience in managing customer relationships

• Skilled in resolving customer issues and ensuring customer satisfaction

• Strong communication and interpersonal skills

• Proven track record of increasing customer retention rates

• Proficient in CRM software such as Salesforce
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Q2. How long have you been working?
Ans. 
I have been working for 5 years in customer service roles.
• 5 years of experience in customer service

• Started in entry-level customer service position and worked way up to Customer Relationship Manager

• Experience in handling customer inquiries, resolving issues, and building relationships
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Q3. Why is Staff stifaction strong .
Ans. 
Staff satisfaction is strong due to a positive work environment, effective communication, recognition of achievements, and opportunities for growth.
• Positive work environment fosters motivation and job satisfaction

• Effective communication ensures clarity and reduces misunderstandings

• Recognition of achievements boosts morale and motivation

• Opportunities for growth and development show investment in employees' future

• Support...read more
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Q1. Want you in this company.
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Q2. Why we do not How much customer handling do you do?
Ans. 
Customer handling is more about quality than quantity in building strong relationships.
• Quality of customer interactions is more important than quantity

• Focus on building strong relationships with customers rather than just handling a large volume

• Effective communication and problem-solving skills are key in customer handling

• Examples: Resolving customer complaints effectively, providing personalized service, building trus
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Q1. Introduction about myself
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Q2. What was your last role
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Q1. How many Home lone & lap Department experience
Ans. 
I have 5 years of experience in the Home loan & LAP department.
• I have worked in the Home loan & LAP department for 5 years.

• Managed a team of sales representatives in the Home loan & LAP department.

• Successfully increased sales and met targets in the Home loan & LAP department.

• Developed strong relationships with clients in the Home loan & LAP department.
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Q2. What is ticket size
Ans. 
Ticket size refers to the average value of each transaction or sale made by a customer.
• Ticket size is calculated by dividing the total revenue generated by the total number of transactions.

• It helps in understanding the purchasing behavior of customers and can be used to make strategic decisions.

• For example, if a customer buys 3 items at $10 each, the ticket size would be $30.
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Q3. Last company name
Ans. 
ABC Company
• ABC Company was a leading software solutions provider in the IT industry

• I worked at ABC Company for 5 years as a Sales Manager

• During my time at ABC Company, I successfully led a team to exceed sales targets by 20%
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Q1. Last company ctc
Ans. 
Previous company CTC was INR 10 lakhs per annum
• Previous company CTC was INR 10 lakhs per annum

• CTC at previous company was competitive in the industry

• Received annual increments based on performance
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Q2. How many Monthly logins
Ans. 
The number of monthly logins varies depending on the specific time period and user activity.
• Monthly logins can range from hundreds to thousands, depending on the size of the user base and the popularity of the platform.

• Tracking monthly logins is important for measuring user engagement and retention.

• For example, a popular social media platform may have millions of monthly logins, while a niche software tool may have onl...read more
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Q3. How many login monthly
Ans. 
The number of logins monthly varies depending on the specific time period and user activity.
• The number of logins can be tracked on a monthly basis to analyze user engagement.

• Factors such as marketing campaigns, product updates, and seasonality can impact the monthly login numbers.

• For example, in a busy holiday season, the login numbers may increase due to promotional offers and discounts.
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Q1. How much monthly db
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Q2. Whst is the loan tickets size
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Q1. Where is ur stay in bangalore
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Q2. How many childrens
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Any questions asking home loans Department

Q1. When was started ujjivan is small finance Bank
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Q2. Where it's main branch
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