Trending Interview

A FLIP Presentation
Questions

These questions, have been asked, in actual recent

interviews, by leading banks and corporates, to fresh
MBAs.
The interviews were for hiring in business units of
Corporate Banking and Treasury.

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Category I: Lets first look at the soft (HR) questions.
Love them or hate them (and we mostly hate them), theyre the openers in
Soft Questions: most interviews!

Why should we How does the role of What is our

Tell us take you? an RM differ, in SME banks CASA?
What are your
something What are your key Why us?
weaknesses? Banking vs in Corporate
about yourself? strengths? Why this role?
Banking?

FLIPs Tip: Do check the recruiters past 2-3 years

financials top line, profits, key growth areas;
also their stock performance over ~ 12 mths

Youll notice that, these cover 2 broad areas:

The clarity you have, about yourself The interest & passion you display, about the role
A B
and your goals and the organisation.

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Category I:

Soft Questions: FLIPs take:

Strengths/Weaknesses/Tell me something about yourself are variants of the same

A
question.

You need to be honest and insightful. Think about them and answer honestly. DO NOT
MEMORISE a standard answer.
(Weakness: I work too hard is an answer, every interviewer has heard many times!).

Please do not recap facts in Tell me something

I was born in, did my education in.., etc. is a NO.
Focus on the achievements/plus points : I come from a professional family/I am familiar
with many cultures & languages/I have been an all rounder is better!

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Category I:

Soft Questions: FLIPs take:

Research on the company and the role will take you a long way in the interview.
B
For the role, ask your seniors what the KRAs are, and read the JD.

For the company, basic data: the CEO, key business heads, any big news (such as
an M&A, recent news) revenues & profits over at least 2 years, CASA ratio, NPA
ratio (for a bank similar key business indicators for other recruiters), stock
performance over a year.

Highlight their strengths in terms of data and performance.

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Category II:

Business Awareness In roles relating to finance, general business /economic awareness is a

MUST. Lets look at the trending questions, here:
Questions:

Why is the rupee depreciating/appreciating?

A FLIPs note: Depends on whats happening at the time of the interview!

What have been the RBIs interest rate actions? What do you think is the reason? What could
B
happen in the future?
C The Feds interest rate actions? How would it impact India?

D What countries have negative interest rates and why?

E Which company floated a debt/equity issue recently? Whats the current status?

F What currency are you betting on in the next few weeks? Why?
FLIPs Tip: ***For example , if you say INR : the reasoning can be - India is the fastest growing
economy, estimated to grow at 7.60% for 16-17. This is higher than that of China, at an estimated 7.
Indias getting strong Foreign Portfolio flows over the last few years -~USD 20 bio in 2015.

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Category II:

Business Awareness
Questions: FLIPs Take

This section again exhibits your passion about

the field you are looking to enter.

Look at the business newspapers (NOT the

TOI!); read the editorial. Interviewers expect
more than a lay persons view on this, so this
has to be an ongoing activity..

Obviously, its not just news its your

analysis of the news, which is important.

Writing a weekly analysis for your own

reference, will help..

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Category III:

Functional/Technical Here are questions, in the functional area: where FLIP can make a big
Questions: difference.

Financial Markets

How would What is the How will the price of a

you invest, in difference, between bond change, if P/E
bond Spot rate and changes?
markets? Forward rate?

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Category III:

Functional/Technical Here are questions, in the functional area: where FLIP can make a big
Questions: difference.

Practical insights, of a companys

financials & credit analysis

How will you do What banking products Whats the

credit analysis, would you suggest to difference, between
specifically for a Company XYZ ( say, an
What do doing financial
telecom company? IT services company) by
you mean by analysis for a large
Deferred Tax? (on looking at their company, and for an
a companys P&L) financials? Why? SME?

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Category III:

Functional/Technical Here are questions, in the functional area: where FLIP can make a big
Questions: difference.

Practical insights, of a companys

financials & credit analysis

Im a trading company,
which imports coal
from China and sells it
What is the difference What are the coverage to power plants, in
between analysis while ratios youll evaluate, India. What questions
making an equity while evaluating a loan would you ask me, to
investment and application? How are determine whether to
How do you do
analysis for debt they calculated, and give me a loan, or not?
Working Capital
financing? what are the values
Assessment?
youd aim for? W.r.t the above, how
would you ensure they
are maintained, during
the tenor of the loan?

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Category III:

Functional/Technical Here are questions, in the functional area: where FLIP can make a big
Questions: difference.

Trade Financing

What is a Whats the

What are the
Letter of difference between
different modes, of
Credit? How a Standby LC and a
financing trade?
does it work? Bank Guarantee?

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Category III:

Functional/Technical
Questions: FLIPs Take:

The success of this part of the interview, depends upon your CV.
If your CV has any projects/certifications/internships in a related area,
there are higher chances that your interview will get focused towards
this..

You could highlight the above in the Tell me about yourself or

Why this role section, thereby guiding the interviewer. Make sure you
are prepared well for this..

The interviewer is testing your practical fundas; theory is what

many peers will have. Internships, projects and certifications which
give you this practical edge, will make a BIG difference.

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FLIP is a great platform to get practical knowledge about the banking sector. What we learn in class
is not enough, from a practical perspective.

The FLIP program is designed to help us understand concepts clearly and lucidly. Undergoing FLIP
training helped me greatly in my interview and clear the technical round with ease."

Gaurav Mashalkar, Manager, YES Bank | JBIMS 2013 batch.

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