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Equitas Small Finance Bank Interview Questions and Answers
192 Interview questions
Field verification processing involves validating information through direct contact with sources.
Identify key information to verify, such as employment history or income.
Contact references directly via phone or email to confirm details.
Use third-party services for background checks when necessary.
Document all findings and discrepancies for review.
Ensure compliance with legal regulations during the verification pr...
CIBIL score and report checking involves assessing creditworthiness through a detailed credit report and score analysis.
CIBIL score ranges from 300 to 900; a score above 750 is considered good.
Check your CIBIL report for errors or discrepancies that could affect your score.
Regularly monitoring your CIBIL score helps in maintaining good credit health.
Example: If you have a score of 720, you may face challenges in s...
Checking a customer's CIBIL report involves assessing their credit history and score for lending decisions.
Obtain customer consent to access their CIBIL report.
Visit the CIBIL website or use authorized platforms to request the report.
Review the credit score, which ranges from 300 to 900; a higher score indicates better creditworthiness.
Analyze the credit report for payment history, outstanding debts, and any defau...
Customer analysis involves evaluating customer data to enhance credit decisions and manage risk effectively.
Segmentation: Classifying customers based on creditworthiness, e.g., high-risk vs. low-risk.
Behavioral Analysis: Examining payment history to predict future behavior, e.g., late payments.
Credit Scoring: Utilizing scores from credit bureaus to assess risk, e.g., FICO scores.
Demographic Analysis: Understanding...
CIBIL Report is a comprehensive credit report that reflects an individual's credit history and score in India.
CIBIL stands for Credit Information Bureau (India) Limited, which is a credit rating agency.
The report includes personal information, credit accounts, payment history, and inquiries.
A CIBIL score ranges from 300 to 900; a score above 750 is considered good for loan approvals.
For example, a history of timel...
I utilize a mix of digital marketing, networking, and targeted outreach to effectively generate leads.
Leverage social media platforms like LinkedIn for targeted ads and content sharing.
Attend industry conferences and trade shows to network and gather contacts.
Implement email marketing campaigns to nurture leads and provide valuable content.
Utilize SEO strategies to improve website visibility and attract organic tr...
Sec. 156(3) CRPC allows a magistrate to order police investigation in a cognizable offense.
Section 156(3) of the CRPC empowers a magistrate to direct police to investigate a cognizable offense.
A complaint can be filed before a magistrate if the police refuse to register an FIR.
Example: If a victim approaches the magistrate after police inaction on a theft complaint, the magistrate can order an investigation.
The ma...
CRR (Cash Reserve Ratio) and SLR (Statutory Liquidity Ratio) are regulatory requirements for banks to maintain liquidity.
CRR is the percentage of a bank's total deposits that must be kept in reserve with the central bank.
For example, if a bank has deposits of $100 million and the CRR is 4%, it must keep $4 million with the central bank.
SLR is the percentage of a bank's net demand and time liabilities that must be ...
NEFT, RTGS, and IMPS are electronic payment systems in India, differing in speed, transaction limits, and availability.
NEFT (National Electronic Funds Transfer): Settles transactions in batches, available only during banking hours.
RTGS (Real Time Gross Settlement): Processes transactions in real-time, ideal for high-value transfers, available during banking hours.
IMPS (Immediate Payment Service): Enables instant f...
I have utilized various talent acquisition tools, focusing on ATS, sourcing platforms, and analytics to enhance recruitment efficiency.
Implemented an Applicant Tracking System (ATS) like Greenhouse to streamline the hiring process.
Utilized LinkedIn Recruiter for sourcing passive candidates and building talent pipelines.
Adopted AI-driven tools like HireVue for video interviewing to enhance candidate experience.
Leve...
Equitas Small Finance Bank Interview Experiences
480 interviews found
Anonymous
Selected
I appeared for an interview in May 2025, where I was asked the following questions.
- Q1. Can you tell me about yourself?
- Q2. What has been your experience in the banking sector?
- Ans.
I have over 10 years of experience in the banking sector, focusing on business loans and client relationship management.
Managed a portfolio of over 100 small to medium-sized business clients, helping them secure loans tailored to their needs.
Developed and implemented sales strategies that increased loan origination by 25% year-over-year.
Conducted financial analysis and risk assessments to ensure loan viability, resulti...
- Q3. My name is Rizwan Ahmad I am from Etawah Uttar Pradesh I have passed b.com 2009 i have 12 years experience in banking sector
- Q4. My name is Rizwan Ahmad. I am from Etawah Uttar Pradesh.My education is B.Com which I completed in 2009. I have one brother and three sisters.All the siblings are married.
- Q5. My first job was in IDBI Bank as a development officer.After that I worked in ICICI Bank for 6 years as a senior officer.Now I am working in Axis Bank as Assistant Manager. And I do all types of loans. Per...
- Ans.
I have 12 years experience banking sector
- Q6. My name is Rizwan Ahmad. I am from Etawah My education is B.Com which I passed in 2009. I have one brother and three sisters.All the brothers and sisters are married.My father was a government servant my f...
- Ans.
My high education b.com
- Q7. My first job was in IDBI Bank as a development officer.I have worked in ICICI Bank for 6 years with as a senior officer.Now I am working in Axis Bank as an Assistant Manager. And I do all types of loans he...
- Ans.
I h know customer needs and
Selected
I appeared for an interview in May 2025, where I was asked the following questions.
- Q1. Am excited for the opportunity to join your team. I have several projects to wrap up in my current role at [equitas small finance bank]. I plan to give them [number of weeks] notice to make a smooth transi...
- Q2. To effectively handle work pressure, one can prioritize tasks, break down large projects into smaller, manageable steps, and maintain open communication with their team and supervisors. Additionally, pract...
Interview Preparation Tips
Selected
(1 Question)
- Q1. Hr giving training then ur work easily that all
(1 Question)
- Q1. This not play ground this is only business
(1 Question)
- Q1. Nothing only training then ur talent for field explain the product for customer
Interview Preparation Tips
Selected
I appeared for an interview in Dec 2024, where I was asked the following questions.
- Q1. Explain NEFT AND RTGS and imps In a NEFT means national electrical fund transfer time period 24 hours and RTGS real time gross settlement time period 4 hours Imps means immediate mobile payment service
- Q2. Swift and IFSC code explain In a swift means society word wide interbanking financial telecommunication 12 number code when a country to country funds transfer identify code in bank branch and bank code al...
- Ans.
SWIFT (Society for Worldwide Interbank Financial Telecommunications) is a global cooperative that facilitates secure international money transfers between banks and financial institutions. It's not a payment system itself, but a messaging network that transmits instructions for initiating and confirming financial transactions. SWIFT assigns each member institution a unique ID code (BIC number), which helps identify the...
- Q3. Cheque type explain Bearer cheque , order cheque, crossed cheque, post dated cheque, inti dated cheque, multiple full of cheque, dishonour cheque, when a cheque validate period 3 mont and cheque means nego...
- Q4. Masala bond explain Masala bonds are bonds issued outside of India but denominated in Indian rupees. 'Masala' is a Hindi word that translates to 'spices. ' The term was initially coined by the Internationa...
- Q5. Fd and Rd explain Fixed Deposits are a one-time investment locked away for a pre-specified tenure. Recurring Deposits allow you to invest small amounts at monthly intervals. Minimum tenure for FD vs RD is ...
- Q6. Explain crr and slr CRR (Cash Reserve Ratio) and SLR (Statutory Liquidity Ratio) are both reserve requirements for commercial banks, but they differ in how they are held and how they impact the banking sys...
- Q7. What are the repo rate and reverse repo rate, and how do they function as monetary policy tools? By adjusting interest rates and the money supply, central banks can manage inflation levels. Raising interes...
- Ans.
The repo rate is used to inject liquidity into the banking system. Impact: When the repo rate is lowered, borrowing becomes cheaper for commercial banks, which can lead to increased lending and spending, potentially stimulating economic growth. Conversely, raising the repo rate can make borrowing more expensive, which can help control inflation by reducing spending and investment.
- Q8. Explain small finance Bank and payment bank To provide basic banking services and credit to underserved populations, particularly in rural and semi-urban areas. Services: Offer savings accounts, fixed depo...
- Ans.
Small finance Bank provided to be credit card bank loan when payment bank payment transaction and mobile Bank service here small savings schemes also
- Q9. Explain imf The International Monetary Fund (IMF) is a global organization of 191 countries that works to foster global monetary cooperation, secure financial stability, facilitate international trade, and...
- Q10. Explain cross selling and up selling Cross-selling and upselling are sales strategies used to increase revenue. Cross-selling involves selling additional, related products or services to an existing custo...
Interview Preparation Tips
Selected
I appeared for an interview in Nov 2024.
(5 Questions)
- Q1. What's your current experience
- Ans.
I have 5 years of experience in credit analysis and risk assessment in the banking industry.
5 years of experience in credit analysis and risk assessment
Proficient in financial statement analysis
Strong understanding of credit risk management
Experience in evaluating loan applications and determining creditworthiness
Familiarity with regulatory requirements in the banking sector
- Q2. Did you achieved any goal in previous platform.
- Ans.
Yes, I achieved a goal of increasing loan approval rate by 15% in my previous role.
Implemented new credit evaluation process to streamline decision-making
Provided training to team members on identifying creditworthy applicants
Collaborated with sales team to improve communication and documentation
Utilized data analytics to identify trends and make data-driven decisions
- Q3. Do you participate any bankingevents
- Ans.
Yes, I actively participate in banking events to stay updated on industry trends and network with professionals.
I regularly attend banking conferences and seminars to learn about new regulations and technologies in the industry.
I have participated in workshops on credit risk management and financial analysis to enhance my skills and knowledge.
I am a member of a banking association where I attend networking events to co...
- Q4. Are you suitable for appliedrole.
- Ans.
Yes, I am suitable for the role of Credit Officer due to my strong financial background and experience in analyzing credit risk.
I have a degree in finance and have completed relevant courses in credit analysis.
I have previous experience working as a credit analyst, where I successfully assessed credit risk for various clients.
I am proficient in financial modeling and have a strong understanding of financial statements.
...
- Q5. Tell about Equitas bank
- Ans.
Equitas Small Finance Bank is a scheduled commercial bank in India focused on serving the financial needs of micro and small enterprises.
Equitas Small Finance Bank was established in 2007 as a microfinance institution before receiving a banking license in 2016.
The bank offers a range of financial products and services including savings accounts, fixed deposits, loans, and insurance.
Equitas Small Finance Bank has a stro...
Discuss about financial risk and management
Interview Preparation Tips
Selected
I applied via Referral and was interviewed in Nov 2024. There were 8 interview rounds.
Basic market sources update / positive mind set
(2 Questions)
- Q1. How to identity the resources What's the major segment
- Ans.
Identifying resources involves assessing available assets and determining the major segment for focus.
Conduct a thorough inventory of all available resources such as financial, human, and physical resources.
Analyze the strengths and weaknesses of each resource to determine their potential impact on the branch's operations.
Identify the major segment by evaluating the market demand, competition, and potential for growth ...
- Q2. Potential for survey
- Ans.
Surveys can provide valuable insights into customer satisfaction and areas for improvement.
Surveys can help gather feedback from customers about their experience with the branch.
Analyzing survey results can help identify trends and areas for improvement.
Implementing changes based on survey feedback can lead to increased customer satisfaction and loyalty.
How to identify and convert
(2 Questions)
- Q1. Process and hr benefit
- Q2. Hr benefit and appraisal
How to over come and experience /idea share with team
Now give to assignment how to perform
Well to know our work and regularation
(1 Question)
- Q1. Practically put on the result
Interview Preparation Tips
(5 Questions)
- Q1. Based on market conditions what would be your business plan to achieve the targets
- Ans.
Develop a strategic business plan focusing on market analysis, customer engagement, and innovative solutions to meet targets.
Conduct a thorough market analysis to identify trends and customer needs, such as increasing demand for digital banking services.
Implement targeted marketing campaigns to attract new customers, for example, offering promotional rates for new accounts.
Enhance customer service by training staff to ...
- Q2. Details of Channel partners
- Q3. Details of competitors
- Q4. Details of base customer
- Q5. Details of education,experience,family background
Interview Preparation Tips
This is the platform where we can achieve in our life
First call for interview
(4 Questions)
- Q1. Second call for interview
- Q2. Discussion on working module
- Q3. Experience about the job
- Ans.
I have over 5 years of experience as a Field Risk Officer, conducting risk assessments, implementing risk management strategies, and ensuring compliance with regulations.
Conducted thorough risk assessments to identify potential risks and vulnerabilities
Implemented risk management strategies to mitigate identified risks
Ensured compliance with regulations and company policies
Collaborated with various departments to addre...
- Q4. Package discussions
Question answered then HR call
(1 Question)
- Q1. Package discussions and proceed
Proceed for offer and generate offer
Interview Preparation Tips
(5 Questions)
- Q1. About my self and education
- Q2. My job experience and family background
- Q3. Education and qualification
- Q4. Family background
- Ans.
I come from a close-knit family that values communication, support, and hard work, which has shaped my customer service skills.
My parents instilled the importance of empathy and understanding, which I apply in customer interactions.
I have two siblings, and we often collaborate on projects, enhancing my teamwork skills.
Family gatherings emphasize open communication, helping me develop strong interpersonal skills.
- Q5. Work experience
Interview Preparation Tips
Shefali Verma
(4 Questions)
- Q1. System banking knowledge
- Q2. Know about how to work on desktop Excel typing and communication
- Q3. Process bank knowledge rates
- Q4. RBI guidelines regulatory notice
Top trending discussions
Equitas Small Finance Bank Interview FAQs
The duration of Equitas Small Finance Bank interview process can vary, but typically it takes about less than 2 weeks to complete.
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Equitas Small Finance Bank Interviews By Designations
- Equitas Small Finance Bank Business Development Officer Interview Questions
- Equitas Small Finance Bank Credit Officer Interview Questions
- Equitas Small Finance Bank Branch Manager Interview Questions
- Equitas Small Finance Bank Sales Officer Interview Questions
- Equitas Small Finance Bank Customer Service Officer Interview Questions
- Equitas Small Finance Bank Assistant Manager Interview Questions
- Equitas Small Finance Bank Relationship Manager Interview Questions
- Equitas Small Finance Bank Credit Manager Interview Questions
- Show more
Interview Questions for Popular Designations
- Business Development Officer Interview Questions
- Branch Manager Interview Questions
- Credit Officer Interview Questions
- Customer Service Officer Interview Questions
- Sales Officer Interview Questions
- Assistant Manager Interview Questions
- Relationship Manager Interview Questions
- Credit Manager Interview Questions
- Show more
Overall Interview Experience Rating
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Equitas Small Finance Bank Reviews and Ratings
based on 6.4k reviews
Rating in categories
|
Assistant Manager
881
salaries
|  ₹2.2 L/yr - ₹5.5 L/yr |
|
Business Development Officer
456
salaries
| ₹1.8 L/yr - ₹5.4 L/yr |
|
Customer Service Officer
317
salaries
| ₹1.4 L/yr - ₹4.2 L/yr |
|
Credit Officer
288
salaries
| ₹1.6 L/yr - ₹4.4 L/yr |
|
Assistant Branch Manager
284
salaries
| ₹2 L/yr - ₹6.4 L/yr |
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