Utkarsh Small Finance Bank Executive IT Officer Interview Questions and Answers

Q1. Tell me something about yourself?
Ans. My Name is Kanhiya Kataria I leaving chhawla BSF New Delhi I am married my father is ex sarvice man Indian army my mother is housewife.
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Q2. Tell them about your education
Ans. My qualification BBA parsing one year hardware networking engineering certificate and digital marketing manager Facebook business manager Google Analytics 4 social media marketing manager email marketing from great learning academy certificate.
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Q3. Tell them about your experience
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Q4. 5 year working experience fenesta Buildings systems job role HR Manager team leader lead generate menage showroom selles.
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Q5. What is your weakness
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Q1. What is aml kyc
Ans. 
AML KYC stands for Anti-Money Laundering and Know Your Customer. It is a set of regulations and procedures designed to prevent financial crimes.
• AML focuses on detecting and preventing money laundering activities.

• KYC involves verifying the identity of customers to prevent fraud and financial crimes.

• Financial institutions are required to comply with AML KYC regulations to ensure transparency and security.

• Examples of AML ...read more
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Q1. Introduction Yourself
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Q2. Does your brother or uncle or some other relative work in Bandhan Bank?
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Q3. Salary Expected
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Q4. Will you be able to do the work or not because this is field work?
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Q5. Will you stay in your friend circle or will you get staff housing there
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Q1. Tell Me About Your Self
Ans. 
Experienced sales professional with a proven track record of exceeding targets and building strong client relationships.
• Over 5 years of sales experience in the pharmaceutical industry

• Consistently met and exceeded sales targets by 20% each quarter

• Built and maintained strong relationships with key clients such as hospitals and clinics

• Proficient in CRM software and data analysis tools
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Q2. Describe your Current Position And Ctc
Ans. 
I am currently working as a Sales Officer at XYZ Company with a CTC of $50,000 per annum.
• Responsible for developing and implementing sales strategies to increase revenue

• Managing key accounts and building strong relationships with clients

• Analyzing market trends and competitor activities to identify new business opportunities

• Meeting sales targets and KPIs set by the company

• Preparing sales reports and forecasts for manage
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IBPS takes test moderate to high

Q1. Assessment of working capital
Ans. 
Assessment of working capital involves analyzing a company's current assets and liabilities to determine its ability to meet short-term financial obligations.
• Calculate working capital by subtracting current liabilities from current assets.

• A positive working capital indicates the company has enough assets to cover its short-term debts.

• A negative working capital may signal financial trouble and the need for additional fu...read more
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Q2. Why do you wan tot join banj
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Aptitude questions were asked, including general awareness, sales questions, vocabulary, and more.

A topic was assigned to a group of 10 candidates.

All the rounds is easy.. be bold and have good communication skills..

Q1. Technical round also easy
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Q2. How do bank customes benefits from overdrafts protection..
Ans. 
Bank customers benefit from overdraft protection by avoiding declined transactions and potential fees.
• Avoid declined transactions due to insufficient funds

• Prevent potential fees for bounced checks or declined transactions

• Provide peace of mind for customers in case of emergencies

• Help customers maintain their financial reputation

• Allow customers to access funds temporarily beyond their account balance
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Q3. Banking software applications
Ans. 
Banking software applications are specialized programs used by banks to manage customer accounts, transactions, and other financial activities.
• Banking software applications help banks streamline their operations and provide better services to customers.

• These applications often include features such as online banking, mobile banking, ATM management, and fraud detection.

• Examples of popular banking software applications i
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Q4. Annual percentage rate and how it calculate
Ans. 
Annual percentage rate (APR) is the annual rate charged for borrowing or earned through an investment, calculated as a percentage of the total loan amount.
• APR includes not only the interest rate, but also any additional fees or costs associated with the loan.

• It is calculated by taking into account the total cost of the loan over a year, including interest and fees, and then expressing it as a percentage of the loan amo...read more
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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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