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ICICI Bank Interview

Congratulations on getting an ICICI Bank Interview.

We all know interviews are stressful and competition is intense.

However, with a small amount of preparation, you can ace the ICICI Bank
Interview.
ICICI Bank Interview
Here we will discuss general ICICI Bank interview questions and answers
Questions
and interview questions by role.

ICICI Bank Interview Q&A By Role:

Sales O cer Interview Questions

PO Interview Questions

Relationship Manager Interview Questions

ICICI Bank Interview Questions and Answers for Banking

1. What can you tell us about ICICI Bank?

The bank was founded in 1994.

ICICIs headquarters are in Mumbai India.

 The bank’s products include credit cards, consumer banking, corporate banking,
nance and insurance, investment banking, mortgage loans, private banking, wealth
management, personal loans, payment solutions, retail, and forex.

The bank has subsidiaries in Canada, and the United Kingdom.

There are ICICI branches in the United States, Singapore, Bahrain, Hong Kong, Sri
Lanka, Qatar, Oman, Dubai, China, and South Africa.

ICICI Bank was the rst Indian Bank to be listed on the NYSE.

2. Why do you want to work for ICICI Bank?

Have a look at the awards page and reference it when answering this question.

For example,  I want to work in the banking industry and I feel ICICI is an industry
leader.  Recently I see ICICI Bank won a total of three awards at the Asian Banking &
Finance Retail Banking Awards 2018. The bank was declared the winner in the
categories of ‘Online Banking Initiative of the Year – India’, ‘Website of the Year – India’
and ‘Credit Card Initiative of the Year – India’.

Say you would be proud to work for ICICI Bank due to all the wonderful work they have
done with their social initiatives programmes.  These social initiatives programmes give
back to the community.  These programmes include skill development, women
empowerment, education, clean India, green India, and health.  Here is a video of a
woman taking advantage of the skill development programmes provided by ICICI.

3. Name a con ict you had with a coworker or manager and how did you handle it?

It is ok to have con ict but make sure you resolve it peacefully.  Give an example of
con ict and how you resolved it.

4. Why did you leave your last job?

Biginterview.com says interviewers ask this question for the following reasons

Did you leave for a good reason?

What are your work values?

Did you leave voluntarily?

When you left did you leave on good terms?

Here is a sample response,

“I enjoyed my last job at Company XYZ, however, I felt growth was minimal and I was
no longer learning. I want to explore new challenges and nd a company where I can
continuously learn and grow my career.”

5. What’s your greatest strength?

The best way to respond to this question is to describe the skills and experience that
you have which directly correlate with the job you are applying for. Therefore review
the job description and reassure the interviewer that you have the experience skills to
do the job.

6. What’s your greatest weakness?

The job site indeed.com says hiring managers ask about your greatest weakness to
evaluate your self-awareness. The interviewer wants to see if you can assess your
current talents and identify areas for improvement. Giving an authentic answer lets
them know you’re able, to be honest with yourself and others about how you can grow
both as a person and a colleague.

When choosing your weakness it is important to choose something related to the job
you’re applying for, but not one that would prevent you from performing the job’s basic
responsibilities.  For example, suppose the job you are applying to does not require
public speaking. State public speaking as your greatest weakness and what you are
doing to overcome it.

7. Where do you see yourself in ve years?

Try to relate your ve-year goal to the banking industry.

If you don’t know what to say have a look at other jobs at ICICI Bank and nd a position
you can see yourself doing in ve years.

ICICI Bank Relationship Manager Interview Questions

To be successful at the relationship manager interview we rst must review the job description.
Roles and responsibilities

Liaison and coordinate with the manufacturers, dealers and HNI customers for
business and cross sell

Lead e orts across handling and managing DSAs & DSTs network for commercial
vehicle loans across the region, resulting in deeper market penetration & achievements
of annual targets

Cross sell existing bank products i.e. mutual funds, CASA, credit cards, FD, General
Insurance etc to customers and thus leverage strong relationship and bonding

Liaison and coordinate with the credit team and manage the whole gamut of tasks
involved in approval and disbursal of loans; expertise in delinquency management and
collection/recovery operations while implementing strategies towards enhancing
business volumes and growth

E ciently manage the sales and business development operations, study the elements
in sales promotion plans while considering consumer preference to drive business
volumes; coordinate with cross-functional departments, DSAs/DSTs for business
expansion e orts

Deliverables

Recruit, train and motivate channel sales team

Achieve sales targets

Guide channel sales team and introduce clients to them

Maintain knowledge on all bank products and services and assist to resolve customer
queries

Competencies

Passion: Constantly; raises the bar for self & team, has a strong execution bias, takes
initiatives even in the face of signi cant di culties

Customer First:Leverages every customer interaction as an opportunity to make an impact,

consistently seeks to understand customer needs, is accessible and responsive

Compliance with Conscience: Own norms are aligned with Organizational code of

conduct & regulatory norms, consistently sets example by own conduct, always checks
 on grey areas with relevant authority

Educational quali cations:

Graduates with relevant work experience of 7 to 10 years

MBA with 2 to 6 years of experience

Questions

Why do you want to be a relationship manager? 

Say you have excellent communication skills which will allow you to work well in a
team.

Mention you enjoy coaching and mentoring others.

State you are very goal oriented and will enjoy the challenge of meeting sales goals.

Say you enjoy talking to customers and promoting ICICIs products.

How would you motivate your team? 

Say you would take the time to communicate with each team member and listen to
what they have to say so you can learn how to make their job better.  If you don’t
communicate with each team member they will feel like you don’t care and therefore
they will not feel motivated.

State you feel money is not a great motivator and you always take time to recognize a
job well done.

Why should we hire you as our relationship manager? 

If you have related work experience now it the time to mention it.

Talk about past sales targets you have met or exceeded.

Mention how you have successfully managed sales teams.

State any banking experience you may have.

Discuss your MBA and how it helps in this role.

How to improve the pro tability of the bank?

 Your job is sales so don’t be surprised if you get this question.  I would also advise not
to get too creative when answering with your response.

The job description talks about cross-selling products such as mutual funds, CASA,
credit cards, FD, General Insurance etc to customers and thus leverage strong
relationship and bonding.

ICICI Bank Interview Questions and Answers for Freshers

ICICI Bank Interview Questions for Sales O cer

Before we begin, let’s rst review the job description and nd key skills and experience
required to do the job.

Job Responsibilities:

Generate new customer leads through various channels. – Experience required:

customer service experience.

Proactively identify sales prospects and conduct business development activities in the
geography assigned Follow up on new leads and referrals to generate business – Skill
Required: Listening Skills.

Achieving the monthly sales targets, assigned to him/her, for various products and
services – Skill Required: Goal Oriented.

Cross-sell assets and fee products – Experience Required: Sales.

Follow the various internal guidelines and procedures of the bank. Skill required –
attention to detail.

Ensure customer satisfaction through regular engagement. Skill required –

communication skills.

Resolve customer queries/issues and facilitate customer service. Skill required –

Customer Service Skills.

Maintain periodic status reports, including daily activity report and calls/follow-ups
made. Experience required: Call Center Experience.

Competencies:
 Passion (must take initiatives and not avoid targets) – Skill required: Passionate

Socially Con dent (able to start a conversation with new people easily and be con dent
in the interaction) – Skill required: Con dence

Perseverance & Resilience (able to make repeated attempts and bounce back from
setbacks, able to try new methods of engagement in case of a setback)

Problem Solving & Closure (when faced with a problem, must be able to identify and
seek help from the right people without hesitation. Able to keep commitments made to
others and ensure that the task is complete)

Questions

Why do you want to be a sales o cer?

To answer this question you need to relate your skills to the skills required to be a sale o cer
as identi ed in the job description.

For example,

Say you have excellent listening skills which will help when identifying sales prospects.

Mention you are goal oriented which will allow you to achieve monthly sales targets,
assigned to you for various products and services.

Finally state you pay great attention to detail and will follow the various internal
guidelines and procedures of the bank.

Why should we hire you as our Sales o cer?

What is key when answering this question is what sets you apart from others.

Odds are you are competing against other freshers with little work experience. So if
you have experience in sales or customer service experience now is the time to
mention it!

Sell me this pen?

State before answering this question you need to learn about the individual and what
kind of pen the potential customer uses.   Questions such as “What kind of pens do you
use?”, “Do you use a pen?”, “How often do you use a pen?”, “Do you use a pend
formally, to sign things, or use it in your everyday life?”. Then based on their responses
 you can tailor your answer to sell the pen. You know on what you’ve just said to me,
the pen I have here is the perfect t. Let me tell you what it’s about…’ Then you can tell
them about what you have because you’re lling a need.

What motivates you?

The sales o cer needs to meet monthly sales targets so say you are goal oriented and
meeting goals and objectives motivate you.

State selling a customer a product that improves their everyday life.

Sales O cer Interview Tips

Remember this is a sales job so you need to appear outgoing!

Don’t speak too fast as you will sound nervous or too slow as you will sound boring.

Make sure you have good posture to prevent you from mumbling.

Dress formally as bankers dress well.

ICICI Bank PO Interview Questions and Answers

Why do you want to get into Banking?

You enjoy working with people and feel a career in banking will require you to interact
with many customers.

State you have a passion for economics and nance.

Do not say you are motivated by money.

Are you willing to work anywhere in India? 

The more exible you are the better your chances are.

See Also
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