SBI Chief Manager S-4 Interview

I have appeared for SBI Chief Manager S-4 (Credit Analyst) Interview on 19th Apr 18 at LHO Mumbai (BKC complex)

On Arrival
S-1 or S-2 level officer will check your Certificates/Documents . After their confirmation you will be called in interview.

My interview panel had 5 members (1 GM and 4 DGM)
 and i was asked following questions:-

1) Name of your current head/reporting manager?
2) What are the challenges your clients/customers have faced?
3) What are the items in P&L have direct link to Balance Sheet?
4) How stock holding is measured and what is it called?
5) What are your view on Corporate Loan product of SBI?
6) How are DTL/DTA created? What can be the causes for creation of DTL/DTA?
7) What is willful default?

Rest of the questions were completely resume based and about the companies mentioned in my resume.

Interview lasted for 15-20 min thereafter i was reimbursed the airfare.

Indusind Bank Credit Analyst

  Indusind Bank Interview Questions for Experienced CA's

1) Please Introduce yourself.

2) Tell me about your present Job Profile?

3) What do u do in Credit Analysis?

4) Which according to you is the growing sector today?

5) Who are the Key players/big corporates in XYZ sector in North region?

6) Anything you have done that you would call as your Master Peice?

7) How will you be able to convince your bosses  about a particular proposal?

8) What are the key ratio you look into for analyzing financials of the company?

9) What is your current CTC and notice period?

10) If given a choice between Credit Analyst and Relationship manager which profile would attract you more?

Infosys Interview Questions for Experienced CA's

First of all do not worry if you can't reach on the given time, just revert to the call letter requesting to shift your interview slot....

There will be two rounds :-
First Technical round  ( 20 Min)
Second HR Round ( 10 Min)

First Technial Round

1) Please Introduce yourself.

2) Why do want to leave your present job?

3) Why do u want to join Infosys?

4) Tell me about your present Job Profile?

5) If you were to make down payment to any vendor and adjust that amount  from final bill , what will be the steps involved?

6) What do u check in Tax Audit?

7) What is the percentage of Abatement for construction service under Service Tax?

8) Is your children traveling with you exempt under LTC?

9) What is the rate of TDS on Rent?

No matter how worse your technical round goes, you will be called for second HR round... So being called for HR round should not be taken as selection..

Second HR Round

1) Is your Name and address as per your passport?

2) Does your percentage score Includes score of all the optional subjects?

3) Was your CA cleared in First Attempt?

4) What is your expectation in Terms of CTC?

They don't disclose the results on the spot, but will intimate you the result by e-mail.

Salary Negotiation at the time of Interview

Almost all of us have been into the experience of negotiating salary but how successful have you been in achieving the target that you had set for yourself. One of the main criteria is to how to get the best possible offer out of an organization.
Here are few steps for our readers to land up to their expected salary.

1. Research the normal salary range for this type of position.

Make sure you have your research work in place. Find the actual salary guidelines for the job grade or position. You can also have a look at what other companies are paying individuals with your skills and education by checking out third party research. Moreover there are a variety of salary surveys that you as an individual can access over the Internet. Go for browsing job postings and classified ads.

2. Have a Range Rather Than a Single Figure

When pressed for your salary requirements, you should always be sure to offer a range based on what others in the field are earning, rather than a single fixed number. This will provide a flexibility of bargaining both to the organization as well as you.
It is very important to determine where to draw the line. Hence when you are negotiating for fees or salary you need to find your absolute minimum, which is the lowest amount you can accept in order to be happy, live in relative comfort life. Going lower than this figure, almost regardless of any other factors, should be entirely unacceptable to you.

3. Don't Sell Yourself Short

One common mistake when talking about previous salary is forgetting to include benefits as part of your total compensation. Hence do take the generous benefits also into account. Take the best you deserve out of the offer and do not hesitate to put that forth.

This will prove useful if you find you are not able to negotiate on the amount of money you are earning. For example, if you are coming from a job where you had five weeks of paid vacation to one where you will only have two, negotiating more time off might be easier than winning a higher salary.

However if you are coming out of unemployment, do not expect to have as much negotiating power. In fact, you might have to settle for less. If it seems to be a life time opportunity grab it and handle the low ball offer in a smooth way.

Mistakes in Resumes

Believe it or not, your resume has only a few seconds to gain the employer's attention. Today, most employers are flooded with resumes from eager job seekers. Therefore, to stand out from the crowd, your resume should be free of the common errors. Here is top 10 worst pitfalls to avoid while writing a resume.

1. Too many personal details
Except from your full name, contact information, including email, phone number and address, you should avoid giving further personal detail in your resume. Information about your family must be kept aside. It's you who is applying for a job position; you are what matters, not the history of your family.

2. Unrelated information
Mention such facts that lend credibility to you as a job applicant. You should avoid stating information in your resume that has nothing to do with the job you are applying for. Very often job seekers make this mistake while telling about their hobbies or accomplishments. If you are applying for a software developer position, what sense it would make if you state that you were an sports champion champion as one of your accomplishments? Think about it.

3. Highlight on duties, instead of accomplishments is a mistake
Resumes should primarily have high-impact statements about the job seeker's accomplishments that would sell his qualifications and present him as the best candidate. You must shun phrases like "responsibilities included" or "duties included" and focus on accomplishments that set you apart from other job candidates.

4. A loose objective
The very first thing in your resume that your potential employers would surely look at is the objective statement. So avoid making vague statements like "Seeking a challenging position that offers professional growth". The employers come across such lines probably hundred times a day. Try to say something specific that would serve the employers' need as well as your own.

5. Using cookie-cutter resume templates
Most resumes created from a Microsoft Word template are easily recognizable to employers. Since the employers have seen a million of them, such drab looking resumes don't stand out. You're supposed to be uniquely qualified so the company will choose you among other candidates. Therefore use a little imagination while writing your resume. It'll surely help you a lot.

6. Listing references directly on the resume
References are a good tool to increase your credibility in the eyes of your prospective employer. But you shouldn't list specific references directly on your resume. Even then, references should be given if specifically requested by the employer.

7. Including salary expectations
Never include salary related points in the resume. It will distract the reader's attention and you may lose the chance to face the interview. It's better to keep it out of your resume, unless the employer asks for it. If you get a job requirement from a job portal, placement agency or direct recruiter, they may specifically ask your current salary and expected salary. In this case, it is recommended to include the details asked above in the cover letter.

8. If you were fired from a job...
Your resume should highlight your positive aspects and each and every facet that makes you the most deserving candidate. Stating that you were fired from your earlier job for poor performance or any other fault will not help you getting the job in any way. Yes, if you are asked to explain why you left a job, you need to be truthful.

9. Poorly organized
While writing your resume, you should maintain a proper order of importance. Don't mention about your hobbies at the starting. Moreover, job titles are more important than dates of employment. It's better to put the educational details at the end. If you are a fresh graduate, then only you should highlight it. More significance should be given to those information that meet the need of the employers.

10. Typos and Grammatical Errors
It may sound insignificant, but a small spelling mistake or grammatical error can cost you the job you are applying for. Your resume needs to be grammatically perfect otherwise it will create an impression of a careless person in the minds of the employers.

Be carefull of following in an Interview?

1. Lying
Although it's tempting, it doesn't work. By all means gloss over the unflattering things. But out-right fibbing NEVER pays.

Mark Twain said: "If you tell the truth, you never have to remember anything." Think about it. They will catch you out later.

2. Slating your current company or boss
Fedup with your current job and would give anything to leave becausethey've treated you badly? Your job interview is NOT the time to seekrevenge. Bear in mind that the interviewer will be listening to youranswers and thinking about what it would be like to work with you. Askyourself: do you like working with people who constantly criticiseothers? Isn't it a bit wearing? The trouble is that the interviewerdraws massive conclusions from your answers. So your throwaway commentabout your boss or employer may be interpreted to be your "standard"way of thinking. It makes you look bad, not your employer.

3. Being Rude
Ifyou find you were accidentally rude, then apologise calmly andgenuinely. Then leave it behind you and get on with the rest of theinterview. If you dwell on it, it will affect your performance. What's"rude"? Well, that depends on your audience. As a rule of thumb, avoidcracking jokes about potentially sensitive topics and beware of beingtoo "pally" with the interviewer: polite and friendly is enough. Afterall, you're not in the pub with them. So stay professional. Also bearin mind that everyone you meet could be involved in the selectionprocess. So blanking the receptionist or talking down to the juniormembers of staff could cost you the job.

4. Complaining
Ok,so your train journey might have been a nightmare and maybe you thoughtthe tube would never arrive, or the tailbacks on the motorway wereendless. But your interviewer doesn't want to know that!
Complaining,even in jest, is not a recommended icebreaker. It may be completelyharmless, or it might simply make the interviewer switch off. Don't letcomplaining set the tone for the interview!

5. Talking about people you don't get on with at work
Thesedays, it's common to be asked how you deal with conflict. Companiesrealise the importance of interpersonal relationships in the workingenvironment. So if they ask you about difficult people or situations,make sure you hold back from character assassination and blaming othersfor problems because it won't do you any favours! If you accidentallydo "break" this rule, apologise and explain what you "really" meant.

6. Not Being Prepared
Re-readthe relevant version of your CV and the job advert, just before theinterview. You'd be surprised how many people can't remember what theywrote on their CV. And if you remember what type of person the jobadvert was looking for, it's easier to demonstrate that you have thosequalities.
Makesure you've brought with you anything you were asked for. It's fine tobring a note-pad and pen, but make sure they're tidy. It's even ok tobring notes with you; particularly if you have any questions you wantto ask. It shows you're taking the job application seriously.Ill-prepared candidates rarely get job offers.

7. Appearing to be too nervous, or too confident
Ifyou appear too nervous they'll think you're not confident enough to dothe job. However, appearing too confident will make them think youwon't fit into the team. If interview nerves are an issue for you, it'sworth getting practical help from a professional, such as an interviewcoach.


8. Making a weak first impression
Unfortunately,no matter how hard the interviewer tries, a lot of "don't want to hirethem" decisions are made in the first few minutes of contact. If youmake a strong first impression, the interviewer will be more inclinedto overlook "imperfections" in your answers.

9. Not having researched the company

Asa general rule, the more famous the brand, the more they will expectyou to have done your homework. Researching the company shows you'reserious about the job.


10. Putting your foot in it and not noticing
Yes,we know, you didn't mean to put your foot in it. But it doesn't reallymatter what you intended. What counts is how the other person reacts.So what can you do? Be prepared to simply say "sorry, that's not what Imeant!" This requires you to actually be paying attention to theinterviewer, rather than your own thoughts and feelings. Once you'veapologised, leave it there, take a deep breath to help you relax andmove on with the job interview.