Utkarsh Small Finance Bank Executive IT Officer Interview Questions and Answers

Aptitude questions were asked, including general awareness, sales questions, vocabulary, and more.

A topic was assigned to a group of 10 candidates.

Q1. What was there people moment on bank transaction
Ans. 
There was a people moment on a bank transaction when a customer helped an elderly person with the ATM machine.
• A customer assisting an elderly person with using the ATM machine

• A long queue forming at the bank due to a technical issue with the system

• A bank employee going above and beyond to help a customer resolve a transaction issue
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Q2. How can recover the npa cases
Ans. 
Recovering NPA cases requires a strategic approach involving thorough investigation and negotiation.
• Conduct a detailed analysis of the NPA cases to understand the root causes and identify potential solutions.

• Implement effective recovery strategies such as restructuring loans, settlement negotiations, or legal actions.

• Engage with borrowers to find mutually beneficial solutions and encourage timely repayments.

• Collaborate...read more
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Q1. How can you explain the loans
Ans. 
Loans can be explained as financial agreements where a lender provides funds to a borrower, who agrees to repay the loan with interest over a set period of time.
• Loans involve a lender providing funds to a borrower.

• The borrower agrees to repay the loan amount along with interest over a specified period.

• Loans can be used for various purposes such as purchasing a home, starting a business, or funding education.

• Types of lo...read more
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Q2. How can you expected for month end moment of targets
Ans. 
By closely monitoring progress throughout the month, setting realistic targets, and adjusting strategies as needed, I can ensure month end targets are met.
• Regularly track progress towards targets throughout the month

• Set realistic and achievable targets at the beginning of the month

• Adjust strategies and tactics if progress is not on track

• Motivate and support team members to reach their individual targets

• Utilize data ana...read more
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Q1. Branch banking Credit oriented
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Q2. Benchmarking related Questions
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Q1. Salary details conversation
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Q1. Your self and work
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Q1. Knowledge about company
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Q2. Last work experience
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