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Utkarsh Small Finance Bank Senior Executive Operations Interview Questions and Answers

Updated 12 May 2022

6 Interview questions

A Senior Executive Operations was asked
Q. What is money laundering?
Ans. 

Money laundering is the process of making illegally obtained money appear to have been obtained through legal means.

  • It involves disguising the proceeds of illegal activities as legitimate funds.

  • Money laundering can be done through various methods such as shell companies, offshore accounts, and real estate investments.

  • It is often associated with organized crime, drug trafficking, and terrorism financing.

  • Money laund...

A Senior Executive Operations was asked
Q. Have you ever faced any timing issues?
Ans. 

No timing issues currently exist.

  • There are no known timing issues at the moment.

  • We have implemented measures to prevent any potential timing issues.

  • Our team regularly monitors operations to ensure timely execution.

  • We have contingency plans in place to address any unexpected timing issues.

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Q3. What is the last CTC and what do you expect?
Q4. How does a bank generate income from savings accounts?
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A Senior Executive Operations was asked
Q. How does a bank generate income from savings accounts?
Ans. 

Banks generate income from saving accounts through interest rates and fees.

  • Banks offer interest rates on savings accounts, which is a percentage of the account balance paid to the account holder.

  • Banks may charge fees for certain transactions or services related to the savings account.

  • Banks may also invest the funds from savings accounts to generate additional income.

  • The income generated from savings accounts is a ...

A Senior Executive Operations was asked
Q. Are there any potential issues related to distance?
Ans. 

No distance issue as long as operations can be managed remotely.

  • Operations can be managed remotely using technology.

  • Distance can be overcome by using video conferencing, email, and other communication tools.

  • Physical distance may require occasional travel, but it should not be a major issue.

  • Remote work has become more common and feasible due to advancements in technology.

  • Distance may also provide opportunities for ...

A Senior Executive Operations was asked
Q. What is a savings account?
Ans. 

A savings account is a type of bank account where you can deposit and withdraw money, earn interest on the balance, and usually have limited transactions.

  • Savings account is a type of deposit account offered by banks and credit unions

  • It allows you to save money and earn interest on the balance

  • The interest rate is usually lower than other investment options

  • There are often limits on the number of transactions you can...

A Senior Executive Operations was asked
Q. What is the source of income for a bank?
Ans. 

Banks earn income through various sources including interest on loans, fees for services, and investments.

  • Interest on loans

  • Fees for services such as account maintenance, ATM usage, and wire transfers

  • Investments in stocks, bonds, and other financial instruments

  • Credit card interest and fees

  • Foreign exchange transactions

  • Mortgage servicing fees

  • Merchant services

  • Insurance products

  • Wealth management services

Utkarsh Small Finance Bank HR Interview Questions

57 questions and answers

Q. What are your future career aspirations?
Q. What was your experience working at your previous company, and what type of ... read more
Q. Tell me about your previous work experience.

Utkarsh Small Finance Bank Senior Executive Operations Interview Experiences

1 interview found

I applied via Walk-in and was interviewed before May 2021. There were 3 interview rounds.

Round 1 - Resume Shortlist 
Pro Tip by AmbitionBox:
Keep your resume crisp and to the point. A recruiter looks at your resume for an average of 6 seconds, make sure to leave the best impression.
View all tips
Round 2 - One-on-one 

(5 Questions)

  • Q1. What is the source of income of bank?
  • Ans. 

    Banks earn income through various sources including interest on loans, fees for services, and investments.

    • Interest on loans

    • Fees for services such as account maintenance, ATM usage, and wire transfers

    • Investments in stocks, bonds, and other financial instruments

    • Credit card interest and fees

    • Foreign exchange transactions

    • Mortgage servicing fees

    • Merchant services

    • Insurance products

    • Wealth management services

  • Answered by AI
  • Q2. What is saving account?
  • Q3. What is anti money laundering?
  • Q4. What is money laundering?
  • Q5. How bank generate income from saving account?
  • Ans. 

    Banks generate income from saving accounts through interest rates and fees.

    • Banks offer interest rates on savings accounts, which is a percentage of the account balance paid to the account holder.

    • Banks may charge fees for certain transactions or services related to the savings account.

    • Banks may also invest the funds from savings accounts to generate additional income.

    • The income generated from savings accounts is a sourc...

  • Answered by AI
Round 3 - One-on-one 

(2 Questions)

  • Q1. Timing issue if any?
  • Ans. 

    No timing issues currently exist.

    • There are no known timing issues at the moment.

    • We have implemented measures to prevent any potential timing issues.

    • Our team regularly monitors operations to ensure timely execution.

    • We have contingency plans in place to address any unexpected timing issues.

  • Answered by AI
  • Q2. Distance issue if any?
  • Ans. 

    No distance issue as long as operations can be managed remotely.

    • Operations can be managed remotely using technology.

    • Distance can be overcome by using video conferencing, email, and other communication tools.

    • Physical distance may require occasional travel, but it should not be a major issue.

    • Remote work has become more common and feasible due to advancements in technology.

    • Distance may also provide opportunities for expan...

  • Answered by AI

Interview Preparation Tips

Interview preparation tips for other job seekers - Try to know about KYC, Money laundering, Documents etc before interview.
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3d (edited)
anshitanegi
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Planet Spark
When HR’s Chinese English made me drop the interview!
So, I talked to the HR yesterday about the interview. I asked Please send me the location But their English… bro I was shocked! It was like talking to someone jisne english nahi kuch ar hi seekh liya ho, if the HR’s English is this I can only imagine the rest of the company I decided to drop the interview with this chinese english😶‍🌫️
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Interview questions from similar companies

Interview experience
4
Good
Difficulty level
Moderate
Process Duration
Less than 2 weeks
Result
-

I appeared for an interview in Apr 2025, where I was asked the following questions.

  • Q1. What about Growth in your company
  • Q2. And also CTC
Interview experience
5
Excellent
Difficulty level
Moderate
Process Duration
2-4 weeks
Result
Selected Selected

I applied via Naukri.com and was interviewed in Feb 2024. There was 1 interview round.

Round 1 - HR 

(2 Questions)

  • Q1. Job experience in previous companies
  • Ans. 

    Extensive experience in various leadership roles in Fortune 500 companies

    • Led cross-functional teams to successfully launch new products

    • Implemented cost-saving initiatives resulting in significant revenue growth

    • Managed large budgets and exceeded financial targets

    • Developed and executed strategic plans to drive business growth

  • Answered by AI
  • Q2. Introduction about yourself
  • Ans. 

    Experienced senior executive with a proven track record in leading successful teams and driving business growth.

    • Over 10 years of experience in senior leadership roles

    • Strong strategic planning and decision-making skills

    • Proven ability to drive revenue growth and increase profitability

    • Effective communicator and team leader

    • Previous roles include CEO of a Fortune 500 company

  • Answered by AI

Interview Preparation Tips

Interview preparation tips for other job seekers - Be confident be bold..

I applied via Recruitment Consultant and was interviewed in Dec 2019. There was 1 interview round.

Interview Questionnaire 

6 Questions

  • Q1. How to serve customer?
  • Q2. How Acquisition of new customer?
  • Ans. 

    Acquiring new customers involves identifying potential leads, targeting them with relevant marketing strategies, and providing excellent customer service.

    • Identify potential leads through market research and analysis

    • Target leads with personalized marketing strategies

    • Provide excellent customer service to retain new customers

    • Utilize social media and online advertising to reach a wider audience

    • Offer promotions or discounts...

  • Answered by AI
  • Q3. What do you know about bandhan bank?
  • Ans. 

    Bandhan Bank is a leading Indian bank focused on financial inclusion and serving the unbanked population.

    • Founded in 2015, Bandhan Bank emerged from a microfinance institution.

    • It aims to provide banking services to the underserved and unbanked segments of society.

    • The bank offers a range of products including savings accounts, loans, and insurance.

    • Bandhan Bank has a strong presence in eastern India, particularly in West ...

  • Answered by AI
  • Q4. Why you want to job change?
  • Ans. 

    I seek new challenges and opportunities for growth that align with my career goals and values.

    • Desire for professional growth: I want to take on more responsibilities and lead projects, as I have successfully done in my current role.

    • Alignment with career goals: The new position aligns better with my long-term career aspirations in management and leadership.

    • Cultural fit: I am drawn to your company's values and culture, w...

  • Answered by AI
  • Q5. What is different in bandhan bank?
  • Ans. 

    Bandhan Bank is unique for its focus on financial inclusion and its origins as a microfinance institution.

    • Founded in 2015, Bandhan Bank transitioned from a microfinance institution to a full-fledged bank.

    • It emphasizes financial inclusion, serving millions of unbanked individuals, particularly in rural areas.

    • The bank offers a range of products, including savings accounts, loans, and insurance, tailored for low-income cu...

  • Answered by AI
  • Q6. Why you like to work with us?
  • Ans. 

    I admire your company's commitment to innovation and excellence, and I believe my skills align perfectly with your goals.

    • Your company's reputation for fostering a collaborative work environment aligns with my belief in teamwork.

    • I am impressed by your recent initiatives in sustainability, which resonate with my personal values.

    • The opportunity for professional growth within your organization excites me, as I am eager to ...

  • Answered by AI

Interview Preparation Tips

Interview preparation tips for other job seekers - Please give best possible answer.

Interview Questionnaire 

3 Questions

  • Q1. What about that Family Background.?
  • Ans. 

    I come from a supportive family that values education and hard work, which has shaped my career aspirations and personal values.

    • My parents emphasized the importance of education, encouraging me to pursue my studies diligently.

    • I have a sibling who is also in a managerial role, which inspires me to strive for excellence in my career.

    • Family gatherings often involve discussions about our professional experiences, fostering...

  • Answered by AI
  • Q2. What about the previous job experience.?
  • Ans. 

    I have over five years of experience in retail management, focusing on team leadership and operational efficiency.

    • Managed a team of 15 employees, improving overall sales by 20% through effective training and motivation.

    • Implemented inventory management systems that reduced stock discrepancies by 30%.

    • Developed customer service protocols that increased customer satisfaction scores by 15%.

  • Answered by AI
  • Q3. What is the subjects of the PGDBM Course.?
  • Ans. 

    PGDBM covers essential business management subjects, equipping students with practical skills for managerial roles.

    • Marketing Management: Focuses on strategies to promote products, e.g., digital marketing techniques.

    • Financial Management: Teaches budgeting, forecasting, and investment analysis, e.g., capital budgeting.

    • Human Resource Management: Covers recruitment, training, and employee relations, e.g., performance appra...

  • Answered by AI

Interview Preparation Tips

Interview preparation tips for other job seekers - Be confident. And Sit Properly.

I applied via Company Website and was interviewed before Jun 2020. There were 3 interview rounds.

Interview Questionnaire 

2 Questions

  • Q1. Tell us about your past experience
  • Q2. Why do you want to join us?

I applied via Referral and was interviewed before May 2020. There was 1 interview round.

Interview Questionnaire 

1 Question

  • Q1. Roles and responsibilities of the job banking products

Interview Preparation Tips

Interview preparation tips for other job seekers - good place depends on market

I applied via Walk-in and was interviewed in Dec 2019. There were 5 interview rounds.

Interview Questionnaire 

1 Question

  • Q1. Asked about the process and products of the last organisation according my profile

Interview Preparation Tips

Interview preparation tips for other job seekers - There is no rocket science to crack the interview, Be positive and confident, listen carefully and do answer accordingly, Basically candidates should be well dressed proper formal and should be aware of the products and process, circulars, Compliance according RBI guidelines which has to be followed in banking industry.

I applied via Naukri.com and was interviewed before Feb 2020. There were 5 interview rounds.

Interview Questionnaire 

4 Questions

  • Q1. What do know about the profile for which you are here
  • Ans. 

    The Deputy Manager role involves overseeing operations, managing teams, and ensuring strategic goals are met effectively.

    • Leadership: Responsible for guiding and motivating team members to achieve departmental objectives.

    • Operational Management: Oversee daily operations, ensuring efficiency and adherence to company policies.

    • Strategic Planning: Collaborate with senior management to develop and implement business strategie...

  • Answered by AI
  • Q2. Study about the profile before giving any interview
  • Q3. How do you behave (given particular situation)
  • Q4. Be confident and don't give any negative answer

Interview Preparation Tips

Interview preparation tips for other job seekers - Always be confident and knowledgeable about your profile

I applied via Campus Placement and was interviewed before Apr 2021. There were 2 interview rounds.

Round 1 - HR 

(2 Questions)

  • Q1. Where do you see yourself in 5 years?
  • Q2. At a top position making strategies for the overall development of the company
Round 2 - Aptitude Test 

Interview Preparation Tips

Interview preparation tips for other job seekers - Keep it simple and honest.
To the point
They have already taken a lot of interviews and don't want to listen to cliche answers

Utkarsh Small Finance Bank Interview FAQs

How many rounds are there in Utkarsh Small Finance Bank Senior Executive Operations interview?
Utkarsh Small Finance Bank interview process usually has 3 rounds. The most common rounds in the Utkarsh Small Finance Bank interview process are One-on-one Round and Resume Shortlist.
What are the top questions asked in Utkarsh Small Finance Bank Senior Executive Operations interview?

Some of the top questions asked at the Utkarsh Small Finance Bank Senior Executive Operations interview -

  1. How bank generate income from saving accou...read more
  2. What is the source of income of ba...read more
  3. What is saving accou...read more

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Utkarsh Small Finance Bank Senior Executive Operations Salary
based on 49 salaries
₹1.5 L/yr - ₹3.4 L/yr
39% less than the average Senior Executive Operations Salary in India
View more details

Utkarsh Small Finance Bank Senior Executive Operations Reviews and Ratings

based on 13 reviews

3.9/5

Rating in categories

3.9

Skill development

3.1

Work-life balance

2.4

Salary

3.6

Job security

3.8

Company culture

2.6

Promotions

3.8

Work satisfaction

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