Relationship Manager

700+ Relationship Manager Interview Questions and Answers

Updated 28 Feb 2025
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Q101. If x wants to expand his business by taking loans what are the options he could go with?

Ans.

x can consider options like bank loans, business loans, personal loans, or crowdfunding to expand his business.

  • Bank loans: Traditional option with fixed interest rates and repayment terms.

  • Business loans: Specifically designed for business expansion with flexible terms.

  • Personal loans: Can be used for business purposes but may have higher interest rates.

  • Crowdfunding: Alternative option where individuals contribute funds for business growth.

Q102. What are the investment products available

Ans.

We offer a range of investment products to suit different needs and risk appetites.

  • Mutual funds

  • Stocks

  • Bonds

  • Exchange-traded funds (ETFs)

  • Certificates of deposit (CDs)

  • Annuities

  • Real estate investment trusts (REITs)

  • Options and futures

  • Structured products

Q103. What you can do to increase your customer base including AUM?

Ans.

To increase customer base and AUM, focus on networking, providing excellent customer service, offering personalized solutions, and leveraging digital marketing.

  • Network with potential clients through events, seminars, and referrals.

  • Provide exceptional customer service to retain existing clients and attract new ones.

  • Offer personalized financial solutions tailored to each client's needs and goals.

  • Utilize digital marketing strategies such as social media, email campaigns, and tar...read more

Q104. What is the part of bank and axis bank what is provided customer service

Ans.

Banks like Axis Bank provide various customer services such as account management, loans, investments, and financial advice.

  • Axis Bank offers services like savings accounts, current accounts, loans, credit cards, and investment options.

  • They provide customer service through branches, ATMs, online banking, and mobile apps.

  • Customers can access services like fund transfers, bill payments, account statements, and customer support.

  • Relationship Managers at Axis Bank assist customers ...read more

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Q105. How would you convince a person to buy a holiday membership?

Ans.

I would highlight the benefits of the holiday membership, such as cost savings, exclusive deals, and convenience.

  • Emphasize the cost savings compared to booking individual trips

  • Highlight exclusive deals and discounts available only to members

  • Explain the convenience of having access to a variety of destinations and accommodations

  • Offer a trial period or money-back guarantee to alleviate any concerns

Q106. What is Bancassurance?

Ans.

Bancassurance is a partnership between a bank and an insurance company to offer insurance products to bank customers.

  • Bancassurance allows banks to offer insurance products to their customers, providing a one-stop-shop for financial services.

  • The insurance products offered can include life insurance, health insurance, and general insurance such as home and auto insurance.

  • Bancassurance can be beneficial for both the bank and the insurance company, as it allows them to reach a wi...read more

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Q107. How would you convince customer to take loan

Ans.

I would highlight the benefits of the loan, tailor the offer to their needs, and provide excellent customer service.

  • Explain the benefits of the loan such as low interest rates, flexible repayment options, and quick approval process.

  • Tailor the loan offer to their specific needs and financial situation, showing them how it can help them achieve their goals.

  • Provide excellent customer service by being attentive, responsive, and addressing any concerns or questions they may have.

  • O...read more

Q108. Who founder of hdfc sales , whats are the secure loan

Ans.

The founder of HDFC Sales is Deepak Parekh. Secure loans are loans that require collateral to be pledged.

  • Deepak Parekh is the founder of HDFC Sales

  • Secure loans are loans that require collateral to be pledged

  • Collateral can be in the form of property, gold, or other assets

  • Examples of secure loans include home loans, car loans, and secured personal loans

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Q109. How are you get lead from open market

Ans.

To get leads from the open market, I utilize various strategies and channels.

  • I actively network and build relationships with potential clients through industry events and conferences.

  • I leverage social media platforms to connect with prospects and share valuable content.

  • I collaborate with marketing teams to create targeted campaigns and generate leads through email marketing and online advertising.

  • I regularly attend community events and engage with local businesses to identify...read more

Q110. What do you know about insurance?

Ans.

Insurance is a contract between an individual and an insurance company to protect against financial loss.

  • Insurance provides financial protection against unexpected events such as accidents, illnesses, and natural disasters.

  • There are different types of insurance such as life insurance, health insurance, auto insurance, and home insurance.

  • Insurance premiums are paid regularly to the insurance company in exchange for coverage.

  • The amount of coverage and premiums depend on various...read more

Q111. How will you convince the agents to start mutual fund business?

Ans.

I will highlight the benefits of mutual funds, provide training and support, offer incentives, and showcase success stories.

  • Educate agents on the benefits of mutual funds such as diversification, professional management, and potential for higher returns

  • Provide training sessions on mutual fund products, sales techniques, and market trends

  • Offer incentives such as higher commissions or bonuses for agents who successfully sell mutual funds

  • Showcase success stories of agents who ha...read more

Q112. What is your level of knowledge and proficiency in Microsoft Excel?

Ans.

Proficient in Microsoft Excel with advanced knowledge of formulas, functions, and data analysis.

  • Advanced knowledge of Excel formulas and functions

  • Experience with data analysis and manipulation

  • Proficient in creating charts and graphs

  • Familiarity with pivot tables and VLOOKUP

  • Ability to automate tasks using macros

Q113. If target is not done what is the next step

Ans.

The next step would be to analyze the reasons for not achieving the target and come up with a plan to address those issues.

  • Analyze the reasons for not achieving the target

  • Identify the areas of improvement

  • Come up with a plan to address those issues

  • Re-evaluate the target and set realistic goals

  • Communicate with the team and stakeholders about the plan

Q114. What are the assets we implemented in server ?

Ans.

I do not have the available data to answer this question.

    Q115. When do we use irr and when do we use cagr Why does inflation happen

    Ans.

    IRR is used to calculate the rate of return on an investment, while CAGR is used to measure the growth rate of an investment over a period of time.

    • IRR is used when we want to calculate the rate of return on an investment based on the cash flows it generates.

    • CAGR is used when we want to measure the growth rate of an investment over a period of time, taking into account the effect of compounding.

    • IRR is useful for comparing different investment opportunities, while CAGR is usefu...read more

    Q116. What are the product you are into sales

    Ans.

    I am into sales of various financial products such as mutual funds, insurance policies, and investment plans.

    • Mutual funds

    • Insurance policies

    • Investment plans

    Q117. What is the procedure and platform to generate leads ?

    Ans.

    The procedure and platform to generate leads involves identifying target audience, creating compelling content, and utilizing various channels such as social media, email marketing, and networking events.

    • Identify target audience based on demographics, interests, and behavior

    • Create compelling content that addresses pain points and offers solutions

    • Utilize various channels such as social media, email marketing, and networking events

    • Track and analyze results to optimize lead gene...read more

    Q118. What is the minimum Grade of Concrete used in R.C.C. works?

    Ans.

    The minimum Grade of Concrete used in R.C.C. works is M20.

    • The minimum Grade of Concrete used in R.C.C. works is M20.

    • R.C.C. stands for Reinforced Cement Concrete.

    • The grade of concrete is determined by its compressive strength after 28 days of curing.

    • M20 concrete has a minimum compressive strength of 20 MPa (Megapascals).

    Q119. What is marketing and sales? explain difference between them ?

    Ans.

    Marketing is creating awareness and interest in a product or service, while sales is the process of converting that interest into a purchase.

    • Marketing involves researching, promoting, and advertising a product or service to a target audience.

    • Sales involves identifying potential customers, building relationships, and closing deals.

    • Marketing is focused on creating demand, while sales is focused on fulfilling that demand.

    • Marketing is a broader concept that includes branding, mar...read more

    Q120. How many programming languages do you know?

    Ans.

    I am proficient in 5 programming languages.

    • I know Java, Python, C++, JavaScript, and SQL.

    • I have experience in developing web applications using JavaScript and Python frameworks.

    • I have worked on database management using SQL.

    • I am familiar with object-oriented programming concepts.

    • I am always eager to learn new programming languages and technologies.

    Q121. What is stock exchange

    Ans.

    A stock exchange is a marketplace where stocks, bonds, and other securities are bought and sold.

    • Stock exchanges provide a platform for companies to raise capital by issuing stocks and for investors to buy and sell those stocks.

    • The prices of stocks are determined by supply and demand, and are influenced by various factors such as company performance, economic conditions, and global events.

    • Examples of stock exchanges include the New York Stock Exchange (NYSE), NASDAQ, and Tokyo...read more

    Q122. How do you get business from Market

    Ans.

    To get business from the market as a Relationship Manager, one needs to build strong relationships, network, provide excellent customer service, and offer tailored solutions.

    • Build strong relationships with existing and potential clients

    • Network and attend industry events to meet new prospects

    • Provide excellent customer service to build trust and loyalty

    • Offer tailored solutions based on clients' needs and goals

    • Stay updated with market trends and competitors

    • Utilize referrals and ...read more

    Q123. Just give me 3 ideas for convincing the customer for 1cr budget flat ? Assume me as a customer .

    Ans.

    3 ideas to convince a customer for 1cr budget flat

    • Highlight the prime location and accessibility of the flat

    • Emphasize the luxurious amenities and facilities provided

    • Showcase the potential for high return on investment in the future

    Q124. What are the reasons for choosing Kotak Mahindra Bank over other banks?

    Ans.

    Kotak Mahindra Bank offers innovative products, excellent customer service, and a strong reputation in the banking industry.

    • Innovative products such as 811 digital banking platform

    • Excellent customer service with personalized attention to clients

    • Strong reputation in the banking industry with a focus on transparency and integrity

    Q125. What do you know about sec 80 c and 10(10)d.

    Ans.

    Section 80C and 10(10D) are provisions in the Indian Income Tax Act that offer tax benefits on certain investments and insurance policies.

    • Section 80C allows individuals to claim deductions on investments in specified financial instruments such as life insurance premiums, employee provident fund, public provident fund, and tax-saving fixed deposits.

    • The maximum deduction allowed under section 80C is Rs. 1.5 lakh per financial year.

    • Section 10(10D) deals with the tax treatment of...read more

    Q126. What do you understand by the term "Relationship Manager"?

    Ans.

    A Relationship Manager is responsible for maintaining and enhancing relationships with clients to ensure customer satisfaction and loyalty.

    • Building and maintaining relationships with clients

    • Understanding client needs and providing solutions

    • Ensuring customer satisfaction and loyalty

    • Acting as a point of contact for clients

    • Cross-selling products and services to clients

    Q127. If platelets is what is other test will u do?

    Ans.

    Complete blood count (CBC) is another test that can be done if platelets are abnormal.

    • Complete blood count (CBC) measures the levels of red blood cells, white blood cells, and platelets in the blood.

    • If platelets are abnormal, a CBC can help determine if there are any other abnormalities in the blood.

    • For example, if platelet count is low, a CBC can reveal if there is also a decrease in red blood cells or white blood cells.

    • If platelet count is high, a CBC can indicate if there ...read more

    Q128. Which product do you sell the most. Tell me about that product?

    Ans.

    I sell the most of our premium investment products, which offer high returns and personalized financial planning.

    • Our premium investment products include mutual funds, stocks, and bonds

    • Clients are attracted to the high returns and personalized financial planning services offered

    • Examples of popular premium investment products include our Growth Fund and Dividend Stock Portfolio

    Q129. Presently Which stock will you suggest for investment to clients.

    Ans.

    I cannot provide a specific stock recommendation as it goes against company policy.

    • As a Relationship Manager, I am not authorized to provide specific stock recommendations to clients.

    • It is important to follow company policy and regulations to maintain ethical and professional standards.

    • Instead, I can provide general market insights and trends to help clients make informed investment decisions.

    • It is also important to understand each client's individual financial goals and risk...read more

    Q130. Sales, how to generate sales, how to convert leads, how to convince people

    Ans.

    To generate sales, one must focus on building relationships, understanding customer needs, and providing value.

    • Build strong relationships with potential customers through networking and personalized communication

    • Understand the customer's needs and pain points to offer tailored solutions

    • Provide value by offering demos, trials, and educational resources

    • Follow up consistently and persistently to convert leads into sales

    • Use persuasive language and storytelling to convince people ...read more

    Q131. What is the future and option

    Ans.

    Futures and options are financial derivatives that allow investors to speculate on the future price movements of an underlying asset.

    • Futures contracts are agreements to buy or sell an asset at a predetermined price on a specified future date.

    • Options contracts give the holder the right, but not the obligation, to buy or sell an asset at a predetermined price within a specified period.

    • Both futures and options are commonly used for hedging, speculation, and arbitrage in financia...read more

    Q132. How do you handle objections from customers during the sales process?

    Ans.

    I address objections by actively listening, empathizing, providing solutions, and overcoming concerns to ensure customer satisfaction.

    • Listen attentively to understand the customer's concerns

    • Acknowledge the objection and show empathy towards the customer's perspective

    • Provide relevant information or solutions to address the objection

    • Highlight the benefits or advantages of the product/service to overcome objections

    • Ask open-ended questions to uncover underlying reasons for object...read more

    Q133. How do you stay updated with industry trends and market changes?

    Ans.

    I stay updated through industry publications, attending conferences, networking with professionals, and utilizing online resources.

    • Reading industry publications such as Bloomberg, Wall Street Journal, and Forbes

    • Attending conferences, seminars, and workshops related to finance and banking

    • Networking with professionals in the industry to exchange insights and updates

    • Utilizing online resources like financial news websites, webinars, and podcasts

    Q134. Are you confident that you can sell shares of a company in a phone call

    Ans.

    Yes, I am confident in my ability to sell shares of a company over the phone.

    • I have strong communication skills and can effectively convey the value of the shares to potential buyers.

    • I am knowledgeable about the company and its performance, which helps build credibility with clients.

    • I am experienced in sales and have a track record of successfully closing deals over the phone.

    Q135. Tell me the square root from 11 to 15..?? How is that relevant for job role..?? Are you hiring for a maths teacher.??

    Ans.

    The square roots of numbers from 11 to 15 are approximately 3.3166, 3.4641, 3.6056, 3.7417, and 3.8729.

    • Knowing the square roots of numbers can be useful in financial calculations, risk assessment, and data analysis in the role of a Relationship Manager.

    • Understanding mathematical concepts can help in problem-solving and decision-making in various situations.

    • For example, calculating the square root of a number may be relevant when analyzing investment returns or assessing loan ...read more

    Q136. Which stocks would you recommend from Banking sector and Why?

    Ans.

    I would recommend stocks of HDFC Bank and ICICI Bank as they have a strong financial position and good growth potential.

    • HDFC Bank and ICICI Bank are two of the largest private sector banks in India.

    • Both banks have a strong financial position and have consistently delivered good financial results.

    • They have a diversified loan portfolio and a strong presence in retail banking.

    • Both banks have a good track record of managing risks and have a strong corporate governance framework.

    • T...read more

    Q137. What is axis bank provides insurance

    Ans.

    Axis Bank provides various insurance products including life, health, travel, and motor insurance.

    • Axis Bank offers life insurance policies that provide financial security to the policyholder's family in case of their untimely demise.

    • The bank also provides health insurance plans that cover medical expenses incurred due to illnesses or accidents.

    • Travel insurance policies offered by Axis Bank provide coverage for trip cancellations, lost baggage, medical emergencies, and more.

    • Mo...read more

    Q138. What is the faciltes of axis bank

    Ans.

    Axis Bank offers a wide range of facilities including savings accounts, loans, credit cards, insurance, and investment options.

    • Savings accounts with attractive interest rates

    • Various types of loans such as personal, home, and car loans

    • Credit cards with rewards and cashback offers

    • Insurance options including life, health, and travel insurance

    • Investment options such as mutual funds and fixed deposits

    Q139. How is the market of Kolhapur as per xyz Industry is concern

    Ans.

    The market of Kolhapur in the xyz industry is growing steadily with increasing demand and competition.

    • Kolhapur has a strong presence of xyz industry with several established companies operating in the region.

    • The market is witnessing a steady growth rate due to the rising demand for xyz products/services.

    • Competition in the market is also increasing with new players entering the industry.

    • Kolhapur's strategic location and favorable business environment contribute to the market's...read more

    Q140. How to deal with client when company's products price are higher than competition

    Ans.

    When dealing with clients in a situation where the company's products are priced higher than the competition, it is important to focus on the value and unique selling points of the products.

    • Highlight the superior quality, features, and benefits of the products

    • Emphasize the long-term cost savings and return on investment

    • Offer personalized solutions and customization options

    • Provide exceptional customer service and after-sales support

    • Build strong relationships and trust with cli...read more

    Q141. Tell me a business strategy to promote the business?

    Ans.

    A business strategy to promote the business is to focus on customer satisfaction and word-of-mouth marketing.

    • Offer excellent customer service to ensure customer satisfaction

    • Encourage satisfied customers to leave positive reviews and refer friends and family

    • Utilize social media platforms to engage with customers and promote the business

    • Partner with other businesses or organizations to cross-promote and expand reach

    • Offer promotions or discounts to attract new customers

    • Attend in...read more

    Q142. What do you know about customer relationship building

    Ans.

    Customer relationship building involves creating and maintaining strong connections with clients to foster loyalty and trust.

    • Effective communication is key to building relationships with customers

    • Personalization and customization of services can help build stronger connections

    • Regular follow-ups and check-ins show customers that they are valued

    • Handling complaints and issues promptly and professionally can strengthen relationships

    • Going above and beyond to exceed customer expect...read more

    Q143. What is seven 'S' of marketing?

    Ans.

    The seven 'S' of marketing are product, price, promotion, place, people, process, and physical evidence.

    • Product - what is being sold

    • Price - how much it costs

    • Promotion - how the product is marketed

    • Place - where the product is sold

    • People - the employees involved in selling the product

    • Process - the steps involved in selling the product

    • Physical evidence - the tangible aspects of the product or service

    Q144. What my view on covid, why you always believe in logic

    Ans.

    I view covid as a serious global health crisis and believe in using logic to make informed decisions.

    • I believe that covid is a real and serious threat to public health

    • I think it's important to follow the guidance of medical experts and use logic to make informed decisions about how to protect ourselves and others

    • For example, I wear a mask and practice social distancing to help prevent the spread of the virus

    • I also believe in staying informed about the latest developments and ...read more

    Q145. Do you have any plan, how you are going to achieve your revenue target ?

    Ans.

    Yes, I have a detailed plan to achieve my revenue target.

    • I will analyze the current client base and identify opportunities for upselling or cross-selling.

    • I will actively prospect for new clients through networking events, referrals, and cold calling.

    • I will set specific revenue goals for each quarter and track my progress regularly.

    • I will collaborate with other departments such as marketing and product development to create targeted campaigns and offerings.

    • I will continuously ...read more

    Q146. What is bank and what the work of axis bank

    Ans.

    A bank is a financial institution that accepts deposits from the public and creates credit. Axis Bank is a private sector bank in India.

    • A bank provides various financial services such as loans, savings accounts, and investment options.

    • Axis Bank is one of the largest private sector banks in India with a wide range of products and services.

    • The work of Axis Bank includes providing banking services to customers, managing accounts, processing transactions, and offering financial a...read more

    Q147. Types of loans, what's the IRDAI?....etc

    Ans.

    Types of loans and IRDAI are related to banking and finance.

    • Types of loans include personal loans, home loans, car loans, education loans, etc.

    • IRDAI stands for Insurance Regulatory and Development Authority of India.

    • IRDAI regulates and promotes the insurance industry in India.

    • IRDAI also sets guidelines for insurance companies regarding premiums, claims, etc.

    Q148. What is bucket and roll forward rollback NCL and cycle ?

    Ans.

    Bucket is a grouping of loans based on their credit risk, roll forward is the process of moving NCL from one period to the next, rollback NCL is reversing the NCL entry, and cycle refers to the time period for analyzing NCL.

    • Bucket is a categorization of loans based on their credit risk levels.

    • Roll forward is the process of carrying forward Net Credit Loss (NCL) from one accounting period to the next.

    • Rollback NCL is the reversal of a previously recorded NCL entry.

    • Cycle refers ...read more

    Q149. What is the BEP in Manufacturing industries and the cycle of BEP?

    Ans.

    BEP stands for Break-Even Point in manufacturing industries. It is the point where total revenue equals total costs.

    • BEP is the level of production or sales at which a company neither makes a profit nor incurs a loss.

    • It is an important financial metric used to assess the profitability and viability of a manufacturing business.

    • The BEP can be calculated by dividing the fixed costs by the contribution margin per unit.

    • The cycle of BEP involves determining the fixed costs, variable...read more

    Q150. Why do you think crypto currency is falling down

    Ans.

    Crypto currency is falling due to various factors.

    • Lack of regulation and security concerns

    • Decrease in demand and increase in supply

    • Negative news and market manipulation

    • Competition from other cryptocurrencies

    • Overall market trends and economic factors

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