ICICI BANK Relationship Manager (ICICI Ascend Program- 2020) Interview Questions & Experience Guide

Company Name: ICICI Bank

Position: Relationship Manager (ICICI Ascend Program- 2020)

Location: [Location not specified]

Application Process: [Details not provided]

Interview Rounds:

  • Round 1 - One-on-One Interview:
    • Questions Asked:
      • Knowledge of asset and liability for a bank.
    • Your Approach:
      • I explained the basic concepts of assets and liabilities in banking, providing examples like loans (assets) and deposits (liabilities). I also linked these concepts to the bank’s balance sheet to show my understanding.
    • Outcome:
      • Successfully cleared the round.

Preparation Tips:

  • Focus on understanding core banking concepts like assets, liabilities, and working capital.
  • Brush up on relationship management and sales techniques, as these are crucial for the role.
  • Practice explaining banking terms in simple, relatable terms.

Conclusion:
The interview was straightforward, and the interviewer was focused on assessing my foundational knowledge of banking. I felt confident in my answers, but I could have prepared more real-world examples to make my responses more impactful. For future candidates, I’d recommend being clear and concise while demonstrating practical knowledge of banking operations.

Company Name: ICICI Bank

Position: Relationship Manager (ICICI Ascend Program- 2020)

Location: [Not specified]

Application Process: [Not specified]

Interview Rounds:

  • Round 1 - One-on-one Interview:
    • Questions Asked:
      1. Ethics-related questions.
      2. Sales-related questions.
    • Your Approach: [Not specified]
    • Outcome: [Not specified]

Preparation Tips:

  • Focus on relationship management and sales skills.
  • Brush up on banking concepts like working capital, portfolio management, term loans, and retail banking.
  • Be prepared to answer ethics-related questions confidently.

Conclusion:
The interview was straightforward, focusing on ethics and sales-related topics. Preparing well for these areas would be beneficial for future candidates. If I could do anything differently, I would ensure I have more detailed examples for the ethics questions to showcase my understanding better.

Company Name: ICICI Bank

Position: Relationship Manager (ICICI Ascend Program- 2020)

Location: [Location not specified]

Application Process: I applied through the company website and was interviewed in September 2023.

Interview Rounds:

  • Round 1 - Resume Shortlist:

    • Questions Asked: No specific questions were asked in this round. The focus was on reviewing my resume.
    • Your Approach: I ensured my resume was concise and highlighted relevant skills and experiences.
    • Outcome: My resume was shortlisted for the next round.
  • Round 2 - Technical Round:

    • Questions Asked: “Tell me about yourself?”
    • Your Approach: I gave a brief overview of my background, focusing on my education, skills, and why I was interested in the role.
    • Outcome: I successfully cleared this round.
  • Round 3 - HR Round:

    • Questions Asked: “Are you working?”
    • Your Approach: I answered honestly about my current employment status and explained my motivation for applying to ICICI Bank.
    • Outcome: I cleared this round as well.

Preparation Tips:

  • Ensure your resume is well-structured and free of unnecessary details like photos or personal information.
  • Practice answering common HR and technical questions, especially “Tell me about yourself.”
  • Be honest and clear in your responses during the HR round.

Conclusion:
Overall, the interview process was smooth and straightforward. I focused on presenting my skills and experiences clearly, which helped me progress through each round. For future candidates, I’d recommend preparing thoroughly for basic HR and technical questions and keeping your resume concise and relevant to the role.

Company Name: ICICI Bank

Position: Relationship Manager (ICICI Ascend Program- 2020)

Application Process: Applied through the ICICI Ascend Program for freshers in 2020.

Interview Rounds:

  • Round 1 - Group Discussion:

    • Topic: Financial inclusion in India by the banking sector.
    • Your Approach: Focused on key points like digital banking, rural outreach, and government schemes. Tried to contribute meaningfully without dominating the discussion.
    • Outcome: Cleared the round by maintaining a balanced and confident participation.
  • Round 2 - HR Interview:

    • Questions Asked:
      1. Self-introduction.
      2. Internship outcome and deliverables.
    • Your Approach:
      • For self-introduction, kept it concise and highlighted relevant skills and experiences.
      • For the internship question, discussed specific achievements and learnings.
    • Outcome: Successfully cleared the HR round by being clear and confident in my responses.

Preparation Tips:

  • Speak confidently, as this role is sales-oriented.
  • Brush up on current banking trends, especially financial inclusion topics.
  • Practice mock group discussions to improve participation skills.

Conclusion:
The overall experience was smooth and well-structured. The key was staying confident and articulate in both rounds. For future candidates, focus on clarity in communication and relevance in group discussions. Good luck!

Company Name: ICICI Bank

Position: Relationship Manager (ICICI Ascend Program- 2020)

Location: [Not specified]

Application Process: Applied via campus placement.

Interview Rounds:

  • Round 1 - Resume Shortlist Round:

    • Questions Asked: No specific questions were asked in this round. The focus was on reviewing the resume for alignment and formatting.
    • Your Approach: Ensured the resume was well-structured and easy to read.
    • Outcome: Successfully shortlisted for the next round.
  • Round 2 - Group Discussion Round:

    • Questions Asked: No specific topic was mentioned, but the discussion was interactive, with everyone given a chance to speak.
    • Your Approach: Actively listened to others and contributed meaningfully to the discussion.
    • Outcome: Cleared the round by demonstrating good communication and teamwork skills.
  • Round 3 - One-on-one Round:

    • Questions Asked:
      • Are you open to working pan India?
      • Are you open to a sales job?
    • Your Approach: Answered honestly about willingness to relocate and work in sales.
    • Outcome: [Not specified]

Preparation Tips:

  • Be prepared for sales-related roles, including cold calls and field sales. Ensure you are comfortable with these aspects before applying.

Conclusion:
The interview process was smooth, with a focus on communication and willingness to work in sales. If you’re not comfortable with sales, this role might not be the right fit. Be honest and clear about your preferences during the interview.

Company Name: ICICI Bank

Position: Relationship Manager (ICICI Ascend Program- 2020)

Location: Not specified

Application Process: I applied via a newspaper advertisement in February 2023.

Interview Rounds:

  • Round 1 - Resume Shortlist:

    • Questions Asked: None explicitly mentioned. The focus was on reviewing the resume for accuracy and relevance.
    • Your Approach: Ensured my resume was error-free and highlighted relevant skills and experiences.
    • Outcome: Successfully shortlisted for the next round.
  • Round 2 - One-on-One Interview:

    • Questions Asked:
      1. Questions related to banking knowledge.
      2. General questions (suggested to refer to YouTube for common interview questions).
    • Your Approach: Prepared by brushing up on banking concepts and practicing common interview questions.
    • Outcome: Cleared the round with confidence.

Preparation Tips:

  • Focus on confidence and maintaining a smooth flow during the interview.
  • Don’t worry too much about language; clarity and confidence matter more.
  • Keep moving forward even if you stumble on a question.

Conclusion:
The overall experience was smooth, and the interviewers were professional. I realized that confidence and preparation are key, regardless of the language you speak. For future candidates, my advice is to stay calm, be confident, and prepare well for both technical and general questions. All the best!

Company Name: ICICI Bank

Position: Relationship Manager (ICICI Ascend Program- 2020)

Location: Varanasi (via Banaras Hindu University - BHU)

Application Process: Applied through campus placement at Banaras Hindu University (BHU), Varanasi, before February 2023.

Interview Rounds:

  • Round 1 - Group Discussion:

    • Questions Asked: We were given a typical banking case study to discuss and provide solutions for, along with how to act in that situation.
    • Your Approach: Actively participated in the discussion, shared relevant points, and collaborated with the group to arrive at a solution.
    • Outcome: Successfully cleared this round.
  • Round 2 - One-on-One Interview:

    • Questions Asked:
      1. Basic introduction about yourself.
      2. Why banking in particular?
    • Your Approach: Prepared a concise and clear introduction, highlighting relevant skills and experiences. For the second question, emphasized my interest in the banking sector and how it aligns with my career goals.
    • Outcome: Cleared this round as well.

Preparation Tips:

  • A good place to start your career, with peers who are very helpful and supportive.
  • Focus on understanding basic banking concepts and case studies for group discussions.
  • Practice your introduction and be clear about why you want to pursue a career in banking.

Conclusion:
Overall, the interview process was smooth and well-structured. The group discussion round tested our teamwork and problem-solving skills, while the one-on-one round was more about personal motivation and clarity of thought. I would advise future candidates to stay confident, be prepared with their basics, and actively engage in discussions.

Company Name: ICICI Bank

Position: Relationship Manager (ICICI Ascend Program- 2020)

Location: [Location not specified]

Application Process: I applied via the company website and was interviewed in December 2023.

Interview Rounds:

  • Round 1 - One-on-one Round:
    • Questions Asked:
      1. Tell me about yourself.
      2. Describe your work experience.
      3. What are your qualifications?
      4. Where are you located?
    • Your Approach: I prepared a concise introduction covering my background, work experience, and qualifications. I also ensured I could articulate my location clearly.
    • Outcome: [Result not specified]

Preparation Tips:

  • Focus on crafting a clear and concise self-introduction.
  • Be ready to discuss your work experience and qualifications in detail.
  • Practice answering questions about your location and how it relates to the role.

Conclusion:
The interview was straightforward, with a focus on personal and professional background. Preparing a well-structured self-introduction and being clear about my qualifications helped me feel confident during the round.

Company Name: ICICI Bank

Position: Relationship Manager (ICICI Ascend Program- 2020)

Location: [Not specified]

Application Process: I applied for this role through Naukri.com and was interviewed in January 2023.

Interview Rounds:

  • Round 1 - Resume Shortlist:

    • Questions Asked: No specific questions were asked in this round. The focus was on reviewing my resume for relevance and professionalism.
    • Your Approach: I ensured my resume was well-structured, highlighting my relevant experience and skills for the role.
    • Outcome: My resume was shortlisted, and I moved to the next round.
  • Round 2 - One-on-one Interview:

    • Questions Asked:
      1. Drawing Power computation.
      2. Mortgage procedures and documentation.
    • Your Approach: I prepared by revising key concepts related to working capital finance and mortgage procedures. I answered the questions confidently, providing clear explanations.
    • Outcome: The interview went well, and I received positive feedback.

Preparation Tips:

  • Focus on understanding Working Capital Finance products, procedures, and documentation.
  • Brush up on topics like SME loans, commercial credit, and mortgage processes.
  • Ensure your resume is professional and highlights relevant experience.

Conclusion:
Overall, the interview process was smooth, and I felt well-prepared. I would advise future candidates to thoroughly review financial products and procedures, especially those related to the role of a Relationship Manager. Confidence and clarity in answering questions can make a significant difference.

Company Name: ICICI Bank

Position: Relationship Manager (ICICI Ascend Program- 2020)

Location: [Not specified]

Application Process: [Not specified]

Interview Rounds:

  • Round 1 - Case Study Round:

    • Questions Asked: Policy-based case study questions.
    • Your Approach: Focused on understanding the policy implications and provided structured solutions.
    • Outcome: Successfully cleared the round.
  • Round 2 - One-on-One Round:

    • Questions Asked:
      1. What have you done?
      2. What do you aim for?
    • Your Approach: Highlighted past achievements and aligned future goals with the role.
    • Outcome: Cleared the round and moved forward in the process.

Preparation Tips:

  • Keep working hard and stay focused on your goals.
  • Brush up on policy-related case studies and be prepared to discuss your career aspirations.

Conclusion:
Overall, the interview process was structured and focused on assessing both analytical and personal skills. Being well-prepared for case studies and having clarity about your career goals can make a significant difference. Good luck to future candidates!

Company Name: ICICI Bank

Position: Relationship Manager (ICICI Ascend Program- 2020)

Location: [Location not specified]

Application Process: I applied through a recruitment consultant and was interviewed in September 2023.

Interview Rounds:

  • Round 1 - Resume Shortlist Round:

    • Questions Asked: None (resume-based shortlisting)
    • Your Approach: Ensured my resume was crisp and highlighted relevant skills and experiences.
    • Outcome: Successfully shortlisted for the next round.
  • Round 2 - One-on-one Round:

    • Questions Asked:
      1. How would you invest 1 crore?
      2. What is a risk profile?
    • Your Approach:
      • For the investment question, I discussed a diversified portfolio approach, balancing risk and returns.
      • For the risk profile question, I explained it as an assessment of an individual’s willingness and capacity to take risks.
    • Outcome: The interview went well, and I felt confident about my responses.

Preparation Tips:

  • Keep your resume concise and tailored to the role.
  • Understand basic financial concepts like investment strategies and risk assessment.
  • Practice articulating your thoughts clearly and confidently.

Conclusion:
Overall, the interview process was smooth and professional. I felt well-prepared, but I could have researched more about ICICI Bank’s specific products and services to tailor my answers better. My advice to future candidates is to focus on clarity and simplicity in your responses while showcasing your knowledge of the banking sector.

Company Name: ICICI Bank

Position: Relationship Manager (ICICI Ascend Program- 2020)

Location: Not specified

Application Process: Applied via the company website in February 2023.

Interview Rounds:

  • Round 1 - Resume Shortlist Round:

    • Questions Asked: None (resume screening).
    • Your Approach: Ensured the resume was concise and focused on relevant skills and experiences without including unnecessary personal details like photos, gender, age, or address.
    • Outcome: Successfully shortlisted for the next round.
  • Round 2 - One-on-one Round:

    • Questions Asked:
      1. Specific subject-related questions (candidate advised to answer if known or politely decline if unsure).
      2. General questions about knowledge and experience.
      3. Questions about last salary, qualifications, and willingness for the role.
    • Your Approach: Answered confidently where knowledge was available and politely declined questions outside expertise. Focused on highlighting relevant experience and enthusiasm for the role.
    • Outcome: Awaiting results or feedback (not specified).

Preparation Tips:

  • Focus on banking-related topics, especially Casa (Current Account and Savings Account).
  • Stay patient, positive, and prepared while waiting for interview calls.

Conclusion:
The interview process was straightforward, with a focus on resume screening and a one-on-one discussion. Being concise and confident in responses helped. Future candidates should prepare thoroughly for banking topics and maintain patience throughout the process.

Company Name: ICICI Bank

Position: Relationship Manager (ICICI Ascend Program- 2020)

Location: [Location not specified]

Application Process: [Details not provided]

Interview Rounds:

  • Round 1 - HR Round:

    • Questions Asked:
      • About myself.
      • About my family.
    • Your Approach:
      • I introduced myself concisely, highlighting my educational background and relevant skills. For the family question, I kept it brief and professional, mentioning their support.
    • Outcome:
      • Cleared this round successfully.
  • Round 2 - Aptitude Test Round:

    • Questions Asked:
      • Banking-related test questions.
    • Your Approach:
      • I prepared by revising basic banking concepts and practiced aptitude questions beforehand.
    • Outcome:
      • Cleared the test.
  • Round 3 - One-on-one Round:

    • Questions Asked:
      • About myself.
      • About my training.
    • Your Approach:
      • I elaborated on my skills and experiences, linking them to the role. For the training question, I discussed any relevant certifications or workshops I attended.
    • Outcome:
      • Cleared this round and moved forward in the process.

Preparation Tips:

  • Brush up on basic banking concepts and aptitude questions.
  • Practice introducing yourself concisely and professionally.
  • Be ready to discuss your training and how it aligns with the role.

Conclusion:
The interview process was smooth, and the questions were straightforward. I felt well-prepared, but I could have researched more about ICICI Bank’s specific products and services to tailor my answers better. For future candidates, I recommend focusing on both general banking knowledge and the company’s offerings.

Company Name: ICICI Bank

Position: Relationship Manager (ICICI Ascend Program- 2020)

Application Process: Applied through the ICICI Ascend Program for 2020. The process involved resume shortlisting, an aptitude test, and an online interview.

Interview Rounds:

  • Round 1 - Resume Shortlist:

    • Questions Asked: N/A (Resume-based shortlisting)
    • Your Approach: Ensured the resume was well-formatted and aligned to make it easy for recruiters to read.
    • Outcome: Shortlisted for the next round.
  • Round 2 - Aptitude Test:

    • Questions Asked: 75 questions covering various topics.
    • Your Approach: Managed time efficiently to complete the test within the one-hour timeframe.
    • Outcome: Cleared the aptitude test.
  • Round 3 - Online Interview:

    • Questions Asked:
      • Introduce yourself.
      • Key skills and educational background.
      • Achievements and dates of graduation, intermediate, and matriculation.
      • Why you are a good fit for the organization.
      • Your strengths and weaknesses.
      • Why should they hire you?
    • Your Approach: Prepared answers in advance and ensured clarity about the job role and responsibilities.
    • Outcome: Successfully cleared the interview.

Preparation Tips:

  • Focus on time management for the aptitude test.
  • Prepare concise and clear answers for common interview questions.
  • Understand the job role thoroughly to answer questions confidently.

Conclusion:
The interview process was transparent, with clear communication about the job role and expectations. The flexible timing for the aptitude test was a great advantage. Overall, it was a smooth and well-organized experience. For future candidates, I’d recommend preparing thoroughly for the aptitude test and being clear about your career goals and how they align with the role.

Company Name: ICICI Bank

Position: Relationship Manager (ICICI Ascend Program- 2020)

Location: [Not specified]

Application Process: Applied online via Google in December 2023.

Interview Rounds:

  • Round 1 - Phonetic Round:
    • Questions Asked:
      1. Tell me about yourself.
    • Your Approach: I provided a concise overview of my professional background, highlighting my 7.3 years of payroll experience and key skills relevant to the role.
    • Outcome: The round was straightforward, but I felt the grading system might not fully account for my experience, as I was offered an AM II position while others with no experience were offered DM II, possibly due to their MBA college reputation.

Preparation Tips:

  • Focus on clearly articulating your experience and skills, as the grading might not always reflect your actual capabilities.
  • Be prepared to discuss your background in detail, as the “Tell me about yourself” question is common.

Conclusion:
The interview process was smooth, but the grading system seemed biased toward candidates from reputed MBA colleges, regardless of their experience. For future candidates, I’d advise emphasizing your practical experience and skills to stand out, even if the initial grading doesn’t seem favorable.

Company Name: ICICI Bank

Position: Relationship Manager (ICICI Ascend Program- 2020)

Application Process: The application process involved submitting a resume for shortlisting followed by interview rounds.

Interview Rounds:

  • Round 1 - Resume Shortlist:

  • Questions Asked: N/A (Resume-based shortlisting)

  • Your Approach: Ensured the resume was error-free and highlighted relevant skills and experiences.

  • Outcome: Successfully shortlisted for the next round.

  • Round 2 - One-on-One Interview:

  • Questions Asked:

    • “Tell me about yourself.”
    • “Sell me any product.”
    • “How to convince a customer to buy anything?”
  • Your Approach:

    • For “Tell me about yourself,” I gave a concise summary of my background, skills, and why I was interested in the role.
    • For the sales question, I chose a product I was familiar with and used a structured pitch focusing on benefits and customer needs.
    • For the customer convincing question, I emphasized understanding the customer’s needs and building trust.
  • Outcome: Awaiting results.

Preparation Tips:

  • Double-check your resume for spelling and grammatical errors.
  • Practice common interview questions like “Tell me about yourself” and situational sales scenarios.
  • Be ready to demonstrate your ability to persuade and understand customer needs.

Conclusion:
The interview process was straightforward but required preparation, especially for the sales-related questions. Practicing mock interviews and refining my resume helped me feel more confident. For future candidates, focus on clarity in communication and tailor your responses to the role’s requirements.

Company Name: ICICI Bank

Position: Relationship Manager (ICICI Ascend Program- 2020)

Location: [Location not specified]

Application Process: [Application process details not provided]

Interview Rounds:

  • Round 1 - Technical Round:
    • Questions Asked:
      • Basic questions related to Fixed Income Securities and other financial market instruments like equity derivatives and funds.
    • Your Approach:
      • Prepared by revising key concepts of fixed income securities and financial market instruments. Focused on understanding the practical applications of these instruments in banking.
    • Outcome:
      • [Outcome not specified]

Preparation Tips:

  • Be clear with all your requirements and role preferences.
  • Revise fundamental concepts of financial markets, especially fixed income securities and derivatives.

Conclusion:

  • The interview was straightforward, focusing on technical knowledge relevant to the role. Being well-prepared with financial market concepts is crucial. Future candidates should ensure clarity about their role preferences and brush up on core financial instruments.

Company Name: ICICI Bank

Position: Relationship Manager (ICICI Ascend Program- 2020)

Location: [Location not specified]

Application Process: Applied via campus placement.

Interview Rounds:

  • Round 1 - Technical Round:

  • Questions Asked:

    • Based on ratio analysis.
    • Financial statement analysis.
    • Repo rate and changes in it.
  • Your Approach:

    • For ratio analysis, I focused on key ratios like liquidity, profitability, and solvency ratios, explaining their significance.
    • For financial statement analysis, I discussed the importance of balance sheets, income statements, and cash flow statements.
    • For the repo rate question, I explained its role in monetary policy and recent trends in its changes.
  • Outcome: Successfully cleared the round.

Preparation Tips:

  • Brush up on financial ratios and their interpretations.
  • Understand the basics of financial statements and their components.
  • Stay updated on current economic trends, especially related to repo rates and monetary policies.

Conclusion:
The interview was a great learning experience. I felt confident in my technical knowledge, but I could have prepared more recent examples for the repo rate question. My advice to future candidates is to stay updated on current financial trends and practice explaining concepts clearly and concisely.

Company Name: ICICI Bank

Position: Relationship Manager (ICICI Ascend Program- 2020)

Location: [Location not specified]

Application Process: I applied via LinkedIn and was interviewed in September 2023.

Interview Rounds:

  • Round 1 - Resume Shortlist:

    • Questions Asked: N/A (Resume screening round)
    • Your Approach: Ensured my resume was professional and aligned with the job description.
    • Outcome: Cleared the round.
  • Round 2 - Technical Round:

    • Questions Asked:
      • What are non-credit products?
    • Your Approach: Explained non-credit products like insurance, mutual funds, and other financial services offered by banks.
    • Outcome: Successfully answered the question and moved to the next round.
  • Round 3 - HR Round:

    • Questions Asked:
      • Personal details and background.
    • Your Approach: Provided concise and relevant personal information.
    • Outcome: Cleared the round.

Preparation Tips:

  • Do thorough research on the job description (JD) to understand the role and expectations.
  • Brush up on banking products, especially non-credit products, and be prepared to discuss them.

Conclusion:
Overall, the interview process was smooth. I ensured my resume was professional and tailored to the role, which helped in the initial screening. For the technical round, understanding the job requirements and being clear about banking products was crucial. The HR round was straightforward, focusing on personal details. My advice to future candidates is to research the JD thoroughly and prepare well for both technical and HR rounds.

Company Name: ICICI Bank

Position: Relationship Manager (ICICI Ascend Program- 2020)

Location: [Location not specified]

Application Process: [Details not provided]

Interview Rounds:

  • Round 1 - Resume Shortlist:

  • Questions Asked:

    • Resume was reviewed for spelling mistakes and overall presentation.
  • Your Approach:

    • Ensured the resume was error-free and well-structured.
  • Outcome:

    • Successfully shortlisted for the next round.
  • Round 2 - Technical Round:

  • Questions Asked:

    1. Role-related questions (specifics not provided).
    2. “How can you generate leads in the open market?”
    3. “How can you achieve your targets?”
  • Your Approach:

    • For lead generation, discussed strategies like networking, referrals, and digital marketing.
    • For achieving targets, emphasized planning, persistence, and leveraging customer relationships.
  • Outcome:

    • [Outcome not specified]

Preparation Tips:

  • Double-check your resume for spelling and formatting errors.
  • Prepare for role-specific questions, especially around sales, banking, and relationship management.
  • Practice answering common interview questions like lead generation and target achievement.

Conclusion:
The interview process was straightforward, focusing on resume quality and technical knowledge. Ensuring a polished resume and being prepared for role-specific questions were key takeaways. Future candidates should focus on these areas to improve their chances.