Utkarsh Small Finance Bank Seles Executive Interview Questions and Answers

Q1. Tell me about yourself.
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Q2. I don't know
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Q1. Where do you see yourself in 5 years?
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Q2. What are your strengths and weaknesses?
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Q3. Tell me about yourself.
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Q4. I don't know
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Q1. Life insurance business
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Q2. Mutual fund business
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Q1. Why leave previous job.
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Q2. Portfolio size
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Q1. Manager and zonel manager interview
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Q2. What is location and work
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Q1. What is working capital
Ans. 
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
Ans. 
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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Basics of quant like profit and loss, and logical reasoning as well as verbal

Q1. Sell urself , family background
Ans. 
I am a dedicated and experienced Relationship Manager with a strong family background in business and finance.
• I have over 5 years of experience in relationship management, consistently exceeding sales targets and building strong client relationships.

• My family has a long history in the business and finance industry, providing me with a solid foundation and understanding of the sector.

• I am passionate about helping client...read more
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Q2. What is portfolio , marketing
Ans. 
Portfolio marketing involves promoting a group of products or services to a specific target market.
• Involves promoting a collection of products or services together

• Targeted towards a specific market segment

• Focuses on showcasing the benefits and value of the entire portfolio

• Strategies may include cross-selling, upselling, and bundling products/services
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Q1. About myself work experience?
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Q2. What is the best opportunity of your opinion?
Ans. 
The best opportunity in my opinion is to leverage technology to streamline operations and improve customer experience.
• Implementing a new CRM system to better track customer interactions and improve communication

• Introducing online banking services to make it easier for customers to manage their accounts remotely

• Utilizing data analytics to identify trends and opportunities for growth

• Investing in employee training and dev
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Q1. Tell me about your self.
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Q2. If do you have experience then they will ask ask you
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Q1. Tell me about your self .
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Q2. If do you have experience then they will ask you.
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