This document is prepared to help the first-time job seekers (fresh graduates or post graduates) for banking jobs in the private sector. These interviews are mainly for the entry level positions. The job roles may be in the field of branch banking, audit, telemarketing, customer relationship management or trade finance etc.
These days candidates are often advised about their respective interview by way of an email. In this mail, the organisation would convey place and time for the interview. You are expected to reach on time at the given place and wait in the lobby. The employer will not care whether you check your mails regularly or not. If you miss the opportunity, so be it. So, please keep checking your mail box immediately after posting your resume for an interview mail.
Telephonic calls are another way to contact a candidate. We generally have a tendency not to accept calls from unknown numbers. Never forget, the employers number has to be an unknown number for you. Please receive all calls after you post your resume and be polite and patient 10 out of 10 times.
Again, once the interview is over and the employer tabulation completed, the shortlisted candidates are contacted over mail. At this point, the employer sends a link to you for providing the needed information. Such links are likely to be valid for 48/72 hours and expire after the given period. No second opportunity is generally given here.
Written tests are mostly on line, time bound (with a timer) and in the form of Multiple-Choice Questions (MCQs). There is only one attempt provided to a candidate. If you fail, irrespective of your performance in the interview, you are rejected. Second chance is ruled out. Absolutely RULED OUT.
Written tests are to be finished at a time of your choice and place and you need a good computer for that. Try to use a good PC for this purpose where the connectivity is good, fast and reliable. To succeed in the written exam, mantra is, practise, practise and more practise. All the private sector banks are very particular about the sanctity of their written examinations. Any malpractice can debar / blacklist the candidate immediately and for ever.
Success in both, the personal interview and the written exam depends upon the merit of the candidate. A trainer can only guide the trainee to crack the code. Nothing more, nothing less.
Please practise more and more.
Basic Interview Code:
Time to Reach the Venue:
Keep in mind: on time is late, before time is on time. Be 20-25 minutes before time. The reasons are many. One of the below could apply on you:
- To keep a buffer for the journey
- To let sweat evaporate from your clothes
- To let your pulse and heart beat stabilise
- To let you have time to organise your folder
- To let you visit the powder room if you have to
- To let you have a cup of tea if you have to (never go to the office coffee machine as you are not authorised)
The Interview Dress Code:
- Remember, you are young, fresh and bubbling with energy. Your dress should reflect your youthfulness and should not make you look older than you actually are.
- Not to wear very formal or expensive clothes. Also, please never be overdressed or over made up. Hence, no jackets or suits to be worn for the interview.
- Well-polished, leather, black colour shoes is a safe bet. So is with the belt.
- Girls not to wear socks with sandals or chappals which are visible, even in winters.
- The hair of the candidate should be properly combed, tied and in place.
- At the time of interview, there should not be any temptation to play with the hair. It looks immature and distracts the attention of the interviewer.
- A tie is OK if the weather is cool / it is winter. Or if the dress code clearly mentions wearing it.
- A blue tie always goes well with a white shirt or a shirt with any light shade of blue. A tie should be worn with a full sleeved shirt only. It becomes obvious when someone else ties the knot for you or you have borrowed a pre knotted tie. So, buy and keep a tie in your cupboard. Learn to tie a knot also.
- Girls may wear a scarf if the weather is cool / it is winter.
- Colour: Upper (plain white / light blue), full sleeved, full buttoned shirt or top, Well washed, unstained, uncrumpled and well ironed
- Girls, I leave wearing lipstick to you. If you feel confident only if you wear lipstick, then please choose a light / subdued tone and not a bright one.
- Similarly, no overdose of scents, after shave lotions or perfumes please. The interviewer may be allergic to strong smells or may simply not be liking that particular fragrance. Why to be on a receiving end.
Basic Expectations of the Interviewer:
- That you would reach before time
- That you would not call at any given number to seek guidance for the venue
- That you would carry two hard copies of your CV with you
- That you would view the website of the company in detail
- That you would gather knowledge about the company (thru Google, Wikipedia etc)
- That you would be mobile (willing to work outside of your city or state)
- That you would take the challenge of a customer-oriented job (every job in every bank is ‘sales / customer oriented’, take it or leave it)
Probable Interview Questions:
Related to Your CV:
- Describe yourself / Tell your life story.
- What type of a person you are? Your strengths and weaknesses.
- Why do you want this job? Why do you want banking job?
- Where do you see yourself five years from now, if we offer you this job?
- Why this bank?
- In the first place, why should we hire you?
- Do you believe everyone has a unique quality? What is yours?
- How was your college life?
- Any special incident which changed your life?
- Which friend has influenced you the most?
- Who in life you look forward to for guidance and why?
- Which board is better? ICSE, CBSE or State?
- Which are your locational preferences and why?
- How many branches of our bank do we have in your area / city / state?
- Why were you inactive after your studies?
- Why did you choose science discipline (or commerce or arts) for your graduation?
- Why did you choose M Com and not MBA?
- What are the plusses and minuses of a hostel life?
- Whose role you find greater in life? Mother’s or father’s?
- If not a banker, what would you like to become?
- What was the last leadership role given to you in your college?
- How do you react to appreciation?
- How do you react to severe criticism?
- You are not getting support from a cross functional team. How will you handle it?
- Can you freely provide feedback, even if negative?
- What you think is your greatest failure, and how did you handle it?
- How do you handle working with people who keep finding fault with you?
- If your boss asks you to do a task which you think is not correct, what would you do?
- What was the most difficult period in your life, and how did you deal with it?
- What was your last mistake? Do you still regret that?
- A customer often turns up after working hours. How would you deal with him?
- A customer keeps throwing weight which upsets you. How will you deal with him?
- A colleague keeps telling you of his seniority to put undue pressure. How will you handle?
- You have seen/heard/got knowledge of a POSH offense in your office. What will you do?
- You have come across an incident of negligence by a senior official. What will you do?
- You have come across an incident of fraud by a senior official. What will you do?
- You have come across an incident of audit violation. What will you do?
- You have unknowingly committed an audit offense / policy violation. You can hide it and no one will get to know. What will you do?
- You have committed an audit offense / policy violation. If found out later, you can always put the blame on a colleague and get away without punishment. What will you do?
- A customer has asked for a favour beyond your call of duty. What will you do?
- A customer has offered a bribe to you. What will you do?
- A very friendly colleague has committed a wrongdoing. He has shared his guilt but asked you to be tight lipped. What will you do?
- You are given a tough task to be done within strict timelines. What would you do?
- Your boss ignores all your good work. With whom will you share your feelings and how?
- What do you understand by multitasking?
- If boss asks you to avoid a process and violate internal policy guidelines, what will you do?
- What is that one quality which you will like to see in your boss?
- What is that one quality which you think that boss would like to see in you?
- You are asked to work on a Sunday which was for family. How would you handle it?
- You work hard on a team project. Credit went to a colleague. How will you react?
- You think you are doing well. Then you are suddenly transferred. How will you react?
- Customers appreciate your work. Boss does not. How will you handle it?
- Boss is happy with your work. Customers are not. Should you worry?
- In spite of your best services, one customer always fights with you. What would you do?
- You have IAS prelims to attend, but you are not given even a day’s leave. Your reaction?
- What is more important? Your designation or a home town posting?
- What is more important? Increase in salary or promotion?
- If you are offered a 30% increase in salary but 100% increase in work, will you take it?
- Do you believe in the concept of work-life balance?
- You always feel you work more than your colleagues. How do you handle this feeling?
Career Progression Related Questions:
- How do you think you can grow in this job?
- How do you want to improve yourself by each passing day?
- How soon you think you can replace your boss?
- How important it is for you to grow? Do you have the required qualities?
- Which weakness of yours will hurt your growth in future?
- What motivates you? Challenges, Rewards, Appreciation or Learning?
- What would you do during the first month of your job?
- Within how many days can you bring a New to Bank (NTB) customer?
- What weakness of yours will you drop on the first day of your job?
- What quality will you start nurturing from the first day of your job?
- How will you manage your time effectively?
Questions on You as a Manager
- You know you are right and others wrong. How will you like to fight your case?
- Consensus, Compassion or Confrontation? What do you prefer?
- Work from home or work from office? What is your preference?
- Work or family? What comes first?
- Why did you not choose to do your own business? Why job?
- What is your game changing idea? In any field?
- What is your contribution to the society?
- Which the latest technology tool that you have learnt?
- What is your style? Low profile or to keep a High Profile?
- Tell me about your proudest achievement.
- Who is your favourite human being and why?
- What do you think of a Perfect Boss?
- Who has contributed the maximum in providing you knowledge?
- What kind of boss you want: friendly, father figure, non interfering, controller?
- Which city you admire and why?
- What do you like to do after office hours?
- What are your lifelong dreams?
- Where do you see yourself when you retire?
- What is your personal goal by you are 40?
- What positive thing which everyone would say about you?
- What negative thing which everyone would say about you?
- What quality your best friend possesses?
- What are three qualities which you would like to have?
- Will you select yourself if you were the interviewer?
- What are you afraid of?
- Is there a skill which you don’t possess and regret about not having it?
- Which skill do you have and are proud of?
- Do you think boss should be feared or liked or both?
- What qualities do you want to see in an interviewer?
- Will you like to work under a person who is less educated than you?
- Which is your favourite mobile phone brand and why?
- Which is your favourite management book?
- Which is your favourite magazine?
- What is the expiry date of PAN (or PAN Card)?
- Why do you not get a Debit Card for your Recurring Deposit A/c (or FD A/c)?
- How many digits your AADHAAR Number contains?
- How do you ensure that you yourself are KYC compliant?
- I want you to sell me this pen.
- I reject you. What will be your next action?
- Difference between action and reaction.
- I give you a news that we have selected you. What will be your immediate reaction?
- Who is your favourite actor and why?
- Which is your favourite bank and why?
- What is more important: producing, selling or servicing?
- A person has no KYC documents. Will you still open his account?
The Purpose of www.ursaminor.in is to make you Job Ready. We expect you to:
1) Be keen learners. To facilitate this, we, at Ursa Minor train you in the following four ways: 1) Digital Medium which includes examinations and certification, 2) Classroom training through our signature workshops under the brand Centre of Banking Excellence (CBE), 3) Our regular video capsules where we taught English, Day to Day Banking and Motivational Stories and 4) Peer Learning where we assign a mentors out of the students groups to help those who need immediate help. Lectures and addresses by successfully placed candidates. All this to make you Future Proof.
2) Learn patiently, happily and steadily. To try and enjoy balanced learning every day. It is like a daily meal or your food plate: for a healthy growth you need proteins, carbohydrates, fats and vitamins every day.
3) Monitor your progress regularly. Have mock interviews, practise in front of the mirror, notice your areas of improvement. Learn to diarise.
4) Be confident. Your interview would last no more than 15 minutes in any case. Most of the interviews would barely last 5 minutes. So, you won’t be asked irrelevant or meaningless questions. The chances are you might not be asked any question from the above list. Then, why this exercise in the first place? Purpose of this document is to help generate confidence in you to take on the world.
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