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ESAF Microfinance and Investments Private Limited Interview
Questions

27 Questions and Answers by
| Ryan has over 10 years of experience interviewing
candidates in the healthcare, public service, and private manufacturing/distribution industries.

Question 1 of 27

What are your thoughts on working in a position here at ESAF Microfinance and Investments Private Limited that had a lot of routine tasks each day?

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ESAF Microfinance and Investments Private Limited Interview Questions

  1. 1.

    What are your thoughts on working in a position here at ESAF Microfinance and Investments Private Limited that had a lot of routine tasks each day?

      A position as a Teller with ESAF Microfinance and Investments Private Limited will entail many job functions that can get repetitive from day to day and your interviewer is looking to hear that you are able to perform these tasks with focus and ease each day that you are required to. As you prepare for and answer this question, be sure to talk about past positions where you've thrived with routine tasks. As well, keep your answers focused on the positive by explaining why these routine tasks are important and how you always pay attention to detail no matter how mundane a task may be.

      Ryan's Answer #1

      "I would have to say that I handle routine work very well. In my current role, a majority of my day is handling routine labeling and shipping tasks. By staying in the moment and remaining focused in my work, I ensure that I take all necessary steps each and every time to ensure that my customer's needs are satisfied each and every time. In this role, the customers at ESAF Microfinance and Investments Private Limited rely on accuracy and timeliness and I would be able to bring that in any duty that I was tasked with."

      Ryan's Answer #2

      "For me, an end goal, customer focused approach is important in any work that I do and it is extremely important for very routine tasks. While my current position has a lot of routine tasks that I handle every day and week, understanding why these tasks are important helps me to stay on track and on time with them. If hired to join the team at ESAF Microfinance and Investments Private Limited, I would make sure that the focus of my orientation would be for me to understand how each job duty positively influences customers that I interact with."

  2. 2.

    Talk about your experience in mortgage loan closing. How would this experience be beneficial to our team here at ESAF Microfinance and Investments Private Limited?

      As a Loan Consultant with ESAF Microfinance and Investments Private Limited, you will be tasked with guiding clients through the complete mortgage process. This will include seeking the best funds available, completing paperwork and seeing the loan through to closing for them. For this question, your interviewer can a good sense of your experience by taking a look at your resume, but they're looking to get more details on your mortgage closing experience by having you talk in detail. Be sure to discuss your specific experience and tie what you can to this specific role with ESAF Microfinance and Investments Private Limited.

      Ryan's Answer #1

      "As you can see from my resume, my current role involves a lot of detail in the loan closing process for the customers that I work with. I assemble and prepare closing documents and coordinate the details of the closing process when all terms of the sale are met. In this role with ESAF Microfinance and Investments Private Limited, I think that my hands on approach that I currently take with my customers would suit your clients well because I take the time to work with them one-on-one and never hesitate to provide top notch customer service to any person that I'm working with."

      Ryan's Answer #2

      "Having been in the mortgage business for over ten years, I have a vast amount of experience in seeking personalized mortgage options for clients and walking them through the entire loan process. I am familiar with the processing of necessary loan closing documents in several state and know all of the fine details that are required to ensure that there are no hiccups in the process for clients. This experience would allow me to hit the ground running in this role here at ESAF Microfinance and Investments Private Limited."

  3. 3.

    In your own personal life, what banking products do you use and what benefits do you see in using them?

      With this question, your interviewer is seeking to first see what types of banking products you are familiar with by having you talk knowledgeably about the products that you use. Then, under the surface, your interviewer will be looking to see how you can help sell similar services to the customers at ESAF Microfinance and Investments Private Limited if you were hired for this role. As you answer the question, try to take a salesperson type of approach by highlighting the features and benefits of the services that you utilize with your current bank. Explain how they help you become more effective and efficient with your finances to really help your interviewer see that you have the sales type of approach if hired for this position.

      Ryan's Answer #1

      "First and foremost, I was very glad to jump onboard the online banking format from its inception. The online format allows me to transfer funds between accounts and even deposit checks remotely without having to take a trip to town to the physical bank. On top of online banking, I definitely use online loan application services as well. I have found them to be super easy and timesaving for me as I imagine they are for your customers."

      Ryan's Answer #2

      "I've really found it helpful to have all of my personal finance items with one institution. That includes loans, credit cards and checking accounts. And recently, I've learned to take great advantage of both MMA and CD accounts with my institution. I just really love the ease and convenience of this aspect and would be a great advocate of this for your customers here at ESAF Microfinance and Investments Private Limited if hired for this role."

  4. 4.

    Our clients here at ESAF Microfinance and Investments Private Limited expect top-tier service and products and we will expect you to do just that in this role. Have you ever went the extra mile for a client when it wasn't expected? Why did you do so?

      ESAF Microfinance and Investments Private Limited looks to set themselves apart from their competition by delivering the best service possible in the industry. You, as a customer service professional, are likely used to doing this so in your example, be sure to think about a time where your going above and beyond the call of duty really impacted the overall customer experience. No matter what example you use, be sure to explain why you felt it was important to take that action and what outcomes you are aware that it produced.

      Ryan's Answer #1

      "A couple of years ago when I was working customer service in retail, a customer was looking for what happened to be a discontinued item of clothing for her sick mother. The easy route would have been to simply look it up, tell her it was discontinued and have her be on her way. What I did was take down the customers contact information and let her know that I could contact our person that handled archived products. If we could track it down, I would be in touch. With a simple phone call, my colleague was able to track the item down from the supplier and have it coordinated to ship directly. We put the customer in direct contact with the supplier and she was as happy as could be. Looking back on that situation, I felt that it was the right thing to do given the situation that the customer was in and knowing she was a loyal customer of ours."

      Ryan's Answer #2

      "My current role in hospitality often has me working with very high profile customers that come to our hotel. Last year, a touring manager for a musician contacted me regarding and upcoming stay for the musician. I proactively asked for their dining and entertainment preferences and with that list, I was able to work with our catering staff to ensure we had preferred items on the menus for the nights that he stayed and that we had a customized video game package in the musician's room for the his extended stay. Prior to him leaving, his manager reached out to thank me for the great service!"

  5. 5.

    How do you define success?

      Think about your definition of success. Be sure to tie your answer into the success that you plan to bring to this particular position, should you be offered the role with ESAF Microfinance and Investments Private Limited.

      Ryan's Answer #1

      "I define success through my ability to reach the goals that are set out for me. On a personal level, the things I wish to achieve in my life. On a work level, the targets that are set out for me as well as the professional development that I seek."

      Ryan's Answer #2

      "For me, success is achieved when I can be proud of what I have accomplished in the day, and can also be proud of the attitude that I kept while meeting those accomplishments."

  6. 6.

    In your mind, why is it important that ESAF Microfinance and Investments Private Limited focuses on customer service?

      The customers are the lifeblood of a bank and without them, ESAF Microfinance and Investments Private Limited wouldn't be able to thrive or possibly even stay open for business. With this question, your interviewer will be most interested in hearing why you believe that customer service is important for this role as a Teller and then hear what skills you will help bring to this role. As you prepare for your interview, be sure to think about your prior customer service experience and think of ways that you can draw upon that experience in this role with ESAF Microfinance and Investments Private Limited. In the end, make sure that your interviewer walks away from your conversation confident in your ability to provide the best customer service possible.

      Ryan's Answer #1

      "Having worked in retail for all of my career up to this point, I have customer service engrained in my brain and know I have the skills necessary in this area to be the best I can be for your customers. I have to be knowledgeable about products, pricing and options to be able to answer any and all questions that come my way. I also need to be a great communicator and have excellent listening skills to really get to the individual needs of each customer. In the banking world, I imagine that competition between institutions is fierce and often the main draw between your institution and a competitor is the excellent customer service that you provide. If hired at ESAF Microfinance and Investments Private Limited, I'd look forward to helping be this differentiating factor for existing and future customers."

      Ryan's Answer #2

      "Customers in any industry have become more tech savvy and self aware now more than ever and the service they are provided is often the key determining factor in where they take their business. I'm sure that ESAF Microfinance and Investments Private Limited puts a lot of time and resources into training staff in customer service skills. Coming into this role, I have a lot of extensive training in customer service. In the past few years, I've attended online and in-person trainings on telephone customer service, upselling skills and the generational gaps in customer service expectations and would love the opportunity to showcase my skills with your customers here at ESAF Microfinance and Investments Private Limited."

  7. 7.

    What are one or two of the aspects that you think you would love about our Teller job at ESAF Microfinance and Investments Private Limited?

      While your interviewer is asking this question to verify that you understand the role and life with ESAF Microfinance and Investments Private Limited, this is your opportunity to sell your skills and abilities to your interviewer as well. As you prepare for this question, think of your best skills that you find the most enjoyable to yourself and match them with the aspect of this job. As you answer, speak with passion about the aspects you will find the most enjoyable and explain why those aspects will be vital to your success in this role.

      Ryan's Answer #1

      "The biggest thing that I am most excited for in this role at ESAF Microfinance and Investments Private Limited is the opportunity to now interact with customers on a face to face basis. As a people person by nature, I've felt so held back working for the last four years with customers over the phone. My positive attitude and friendly approach would be a huge asset to your customers and I would make it a priority to always be that smiling face that people encounter when they come to handle their personal business at ESAF Microfinance and Investments Private Limited."

      Ryan's Answer #2

      "After talking with my cousin that has been a Bank Teller for her entire career, I know that I would love the variety and problem solving aspects of this job. I would look forward to the fact that no two workdays are the same and that I'd be working with individual customers with every transaction. As a person that thrives thinking on their feet, working with unique customers would give me the opportunity to help them troubleshoot issues and find solutions for them."

  8. 8.

    At ESAF Microfinance and Investments Private Limited, we pride ourselves on providing the best overall customer experience. Talk about your customer service experience and explain why it will help our clients here.

      In the financial services industry, overall client experience is a major predictor of business growth and the team at ESAF Microfinance and Investments Private Limited takes the overall client experience seriously. For this question, your interviewer will be looking for you to expand upon your customer service experience past what they can see from your resume. To seal the deal for your interview, try to talk about times that you have went above and beyond the call of duty to provide the best service possible for a customer.

      Ryan's Answer #1

      "Over the past five years in my current role in customer service, my number one mantra has been to create the most personalized experience possibl for each person. I have done this by taking the time to get to know the customer, find out what their needs are and creating an experience unique to them. Where my time in automotive sales has really prepared for this role with ESAF Microfinance and Investments Private Limited is in this approach. If hired for this role, I know that I will be relied upon to use open and honest communication skills, time management skills and to take a empathetic and personalized approach with each client and I can definitely be relied upon to do that."

      Ryan's Answer #2

      "In my years in a front facing customer service role, I've prided myself on being the face of the franchise. More often than not, my interactions with customers can be the difference between a repeat customer and a person who never comes back again. To ensure repeat customers, I make sure that I am knowledgeable about our products and services, I'm proactive with their needs and I'm always accountable for any mistakes that are made on my organization's side of things. If given the opportunity to join the team here at ESAF Microfinance and Investments Private Limited, I will work hard to be highly educated in your services and be proactive and accountable in every interaction that I have."

  9. 9.

    Describe a difficult problem and how you approached it.

      Interviewers at ESAF Microfinance and Investments Private Limited like to see employees coming up with creative solutions. Problem-solving skills are highly regarded within the banking industry. Use an example that explains the complexity of the situation. You can also use the job description as a guide for some of the challenges you could encounter in this new role. Try to keep it relevant and relatable to the position.

      Ryan's Answer #1

      "I took a client call that had a history of poor customer experiences with the organization. One after another, the customer was left frustrated on our banking processes and voiced their concerns in a manner that was unpleasant. I took the initiative to listen and understand their frustrations, then partnered with the different departments in the company to resolve the concerns and save the customer relationship."

      Ryan's Answer #2

      "While attending university, I was assigned a group project with a group of less than motivated individuals. My grades and performance were significant to me, so I approached the group with a leadership and mentorship mentality. I uncovered what motivated everyone on the team and took the initiative where others would not."

  10. 10.

    Customer service is the name of our game at ESAF Microfinance and Investments Private Limited. If hired for this role, how would you be able to provide the best customer service possible to our clients?

      While following all of the steps of a mortgage process and handling client inquiries along the way is the foundation to success in this position, you will be relied on to provide the best customer service possible to all clients because the mortgage section at ESAF Microfinance and Investments Private Limited is just one small piece of the pie in their business. If a client feels like they weren't handled with respect and compassion, they could take all of their business elsewhere and see an impact financially because of it. To show that you can provide top-notch customer service in this role, talk about how you provide a personalized experience for the clients you work with and talk about the interpersonal skills you possess that make this possible.

      Ryan's Answer #1

      "With any customer that I work with, I take the time to get to know them and listen to their thoughts, concerns and questions right from the start. I like to hold what I call an intake session to listen to all of these things. After hearing each customer out, I then talk about what I can do to alleviate their concerns and answer their questions right from the start. From that point forward, my customer service skills go the extra mile by staying in constant communication with my clients through either email or phone because I feel that over communication is important right from the start. As human, we have a desire to know what is happening all of the time and I make time to do this for my clients. Last, my customer service starts and ends with a positive attitude and a smile on my face. I take pride in being a front facing representative of my company and work my tail off to ensure that customers know that my company is there for them."

      Ryan's Answer #2

      "In my experience, provide the best customer service comes down to doing the little things right. While often overlooked by some in our industry, a smiling face and simple conversations to get to know your customers can go a long way towards building a foundation for a great long-term relationship and I don't take these little things lightly. Even though I may be experiencing a huge workload or stress somewhere else on the job, I am focused and happy when I am face to face or on the phone with the client. At those times, they deserve 100% of my attention and focus and they get that every single time."

  11. 11.

    What ideas could you bring to ESAF Microfinance and Investments Private Limited to help grow revenue in this branch?

      If hired as the next Branch Manager at ESAF Microfinance and Investments Private Limited, one item that you will be continually tasked and evaluated on is your ability to help grow revenue at the branch through new customer acquisitions and increased sales of banking products. This question gives you the chance to cite your revenue growing skills and how you will apply them to the banking industry. Prior to your interview, be sure to do your research on growth and revenue in the banking industry and think of a creative way or two that can really sell your interviewer on your ability to help drive increased revenues at the branch you are interviewing with.

      Ryan's Answer #1

      "While I will always be a firm believer that traditional marketing techniques are key to creating new business and revenue, an outside the box approach can always be vital as well. Here at ESAF Microfinance and Investments Private Limited, I would make it a priority for frontline staff like Tellers to be trained in advanced sales skills to help upsell customers in their regular conversations with them. Customers of ESAF Microfinance and Investments Private Limited typically see the frontline workers the most and Tellers are most likely to steer your customers towards revenue generating products."

      Ryan's Answer #2

      "Over the past five years, I've become more entrenched in data analytics in my current role to help drive revenue and I think the banking industry can surely use data analytics to help predict customer trends. With the rapidly changing service combinations that banks put out, data analytics could be key in helping predict customer preferences and that data could be put to use to put out the most preferred packages for future customers."

  12. 12.

    What do you know about our services here at ESAF Microfinance and Investments Private Limited and why do you feel we'd be a great place to work?

      With this question, your interviewer is looking to see that you have done your prep work and research on the company for this interview while also looking to hear why you feel they are set apart from their competition in the banking industry. Most banks have very similar operating structures and company cultures, so be sure that you try to differentiate ESAF Microfinance and Investments Private Limited from their competitors in your answer. If possible, try to relate your answer to the organization's mission statement and or core values that would be found on their website.

      Ryan's Answer #1

      "As a well known and reputable bank, I have heard from many friends and family members that your checking, savings and loan services are top notch. As I researched a great place to begin a career as a Taller, I was really attracted to your core values of making a difference and taking ownership. As a person that has the desire to be emotionally invested into my work, these are two things that I hold near and dear to my heart as well. If given the chance to join the team here at ESAF Microfinance and Investments Private Limited, I would give it my all to e accountable to your customers in making a small difference in their day."

      Ryan's Answer #2

      "What I really love about ESAF Microfinance and Investments Private Limited and what draw me this role here is your commitment to community service and being an advocate for the lower income class of our society. Many people with lower income and poor credit are often not given the same financial opportunities as others and I really feel great about the things that you do to be better for them. As well, I am firmly rooted in community service and would be all in with these efforts if given the opportunity to join the team here at ESAF Microfinance and Investments Private Limited."

  13. 13.

    At ESAF Microfinance and Investments Private Limited, we value diversity in our customer base and on our team. How do you work effectively with people from different backgrounds ?

      In any interview that you experience, a diversity related question is likely to come your way. This is no different at ESAF Microfinance and Investments Private Limited because in the banking industry, customers will come from all walks of life and you will be required to work with them effectively. To give your interviewer the greatest sense in your answer, talk both about how you value diversity in your personal and professional life and give an example of a time you worked with a diverse team of people and thrived. In the end, your interviewer will be looking to hear that you will join the team at ESAF Microfinance and Investments Private Limited with an open mind and open heart.

      Ryan's Answer #1

      "I am a firm believer that a diverse team and work environment benefits the greater good of the organization by bringing many different perspectives to decision making processes. My first job out of school was with a company that lacked diversity and it really struggled because of lack of new ideas and a lack of value for others. Since that job, I have worked at companies and on teams that were very diverse and I really enjoyed being able to learn and grow from others from different backgrounds than me."

      Ryan's Answer #2

      "In my current position, I work with customers from all different nationalities and walks of life. As a very young adult taking this job from a small, non-diverse town, it was intimidating at first to me. But from day one on that job, I've really grown to appreciate and see that connecting with individuals that are different from me is beneficial to society as a whole. If hired in this role, I understand that I would be working with a very diverse customer base and I'd be able to do so in a very empathetic and understanding manner."

  14. 14.

    Suppose you were on the job here at ESAF Microfinance and Investments Private Limited and a customer came in to complain about a fee charged for an overdrawn account. How would you handle the situation with that customer?

      As a Teller with :company, an important job expectation will be for you to handle customers that come to you with issues. While their issues can stem from a majority of reasons, your interviewer wants to know that you have the wherewithal to handle these situations with patience and a sense of calmness. As well, they'll be looking to hear that you have the ability to pull from the resources available to you to help resolve the situation. As you answer the hypothetical question, don't hesitate to draw upon past experiences where you've handled customer issues directly and use your experience in those to help project how you would handle similar situations with ESAF Microfinance and Investments Private Limited.

      Ryan's Answer #1

      "If in this situation on the job here at ESAF Microfinance and Investments Private Limited, I feel it would be most important to hear the customer out and let them explain their situation. Then, I would talk about the bank's policies on overdrawing accounts and explain that there is no wiggle room within those policies. Most importantly, I would make it my responsibility to connect the customer with any available resources to help them prevent similar situations in the future. This helps the customer know that ESAF Microfinance and Investments Private Limited cares about their financial well-being and is willing to help them moving forward."

      Ryan's Answer #2

      "In my current job, I often have to work with customers face to face when they enter our store with issues and I would take the same approach here that I do with them. First, I listen intently to their complaints and actively listen by explaining to them what I heard. Then I have to use my best judgement at hand to consider how to move forward to resolve their complaint. If the issue was a bad product, I follow our return policies and assist the customer as best as I can. If their issue involves our service, I direct them to the appropriate manager to resolve their situation. If hired for this role, I would work hard from the start to learn the ins and outs of all aspects of ESAF Microfinance and Investments Private Limited so I could be resourceful in working with customer complaints."

  15. 15.

    If a client here at ESAF Microfinance and Investments Private Limited were to be denied the financing that they desire, how would you handle that situation?

      As a Loan Officer at ESAF Microfinance and Investments Private Limited, you will have times where you will have to have the difficult conversation with prospective clients that are being denied financing. For this question, your interviewer will be looking to hear that you take a professional approach with the clients and that you have a firm understanding of the regulations surrounding loans in the industry. To seal the deal for this question, talk about your ability to educate the client to better the chances that they will come back to ESAF Microfinance and Investments Private Limited for business in the future.

      Ryan's Answer #1

      "This is a very common occurrence in my current role in the mortgage industry. When a client is denied financing, I am very up front and honest with them in my approach. The most important thing that a customer wants to understand is why financing is denied and my experience in the finance industry lends well to me explaining the importance of credit scores and debt to equity ratios. I have found that customers that are denied financing really take well to my approach and I have had many customers come back after doing the personal work needed to improve and succeed in their application process."

      Ryan's Answer #2

      "Life as a successful Loan Officer is about being knowledgeable and professional and I pride myself on my ability to project both of those things. In the times I need to personally decline a potential customer, I am firm and fair with them. I don't beat around the bush in any way because this can leave a customer with a false sense of hope. Taking the time to explain the regulations for the loan in layman's terms often helps customers understand things better as well."

  16. 16.

    Tell me about your favorite manager. What did you enjoy most about working with them?

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  17. 17.

    What would you do if you saw a colleague breaking company policy? What if they were stealing something as little as $5?

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  18. 18.

    If you were having an interaction with a client here at ESAF Microfinance and Investments Private Limited and you weren't able to answer their question or solve their problem on your own, how would you handle that situation?

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  19. 19.

    The next Branch Manager that we hire here at ESAF Microfinance and Investments Private Limited needs to be adaptable and flexible as our market demands change over time. What have you done in recent years to promote your own personal and professional de

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  20. 20.

    Where do you see yourself in five years?

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  21. 21.

    Tell me about a time when you showed integrity in your work.

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  22. 22.

    How do you respond to problems that require a quick solution?

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  23. 23.

    If working here at ESAF Microfinance and Investments Private Limited in this role and you found a more efficient way of handling a job duty or process, what steps would you take in order to ensure that your idea was heard?

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  24. 24.

    What is the greatest challenge you have faced in your career so far? How did you overcome it?

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  25. 25.

    To get to know what type of leader we'd be hiring at this branch of ESAF Microfinance and Investments Private Limited, how would you describe your management style?

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  26. 26.

    Do you have any experience or knowledge in detecting counterfeit cash or checks?

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  27. 27.

    What interests you about this position?

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