Utkarsh Small Finance Bank Senior Relationship Officer Interview Questions and Answers

Q1. Tell us about your self
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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. What are the responsibilities of a relationship manager?
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Q2. What are the key functions and objectives?
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Q3. This job is field work or office work.
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Q4. Bank only give salareis or other benifits
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Q5. What are the expected communication for bank.
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Q6. I am as a biginer, I haven't any experience in field and any segment.
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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 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
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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 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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Q1. Tell me about yourself
Ans. 
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
Ans. 
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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