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Shriram Transport Finance Interview
Questions

27 Questions and Answers by Ryan Brunner

Published August 5th, 2020 | Ryan has over 10 years of experience interviewing
candidates in the healthcare, public service, and private manufacturing/distribution industries.
Job Interviews     Companies     Money     Financial Services    
Question 1 of 27
Shriram Transport Finance seeks out natural and confident leaders. What leadership qualities do you possess?
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How to Answer
The interviewer would like to know that you can take on a leadership role even if it is not a formal leadership title that you possess. Everyone has leadership capabilities, whether they come in the form of training a new employee or merely leading by example.
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1.
Shriram Transport Finance seeks out natural and confident leaders. What leadership qualities do you possess?
The interviewer would like to know that you can take on a leadership role even if it is not a formal leadership title that you possess. Everyone has leadership capabilities, whether they come in the form of training a new employee or merely leading by example.

Ryan's Answer #1
"I feel that I am good at motivating a team. Last year, I motivated my sales team every day, through small incentives and awards, and we ended up being the top sales team in the company for the year!"
Ryan's Answer #2
"Some great qualities of a leader are:

- Being someone who people naturally want to follow
- Exceptional interpersonal skills
- Strong relationship building skills
- Taking ownership for the team's errors and mistakes
- Excelling at motivating others
- Providing kudos to your team
- Knowing how to select and hire the right people to join the team
- Having a vision for the future

These are just a few to get you started! With which qualities do you most identify?"
2.
This position at Shriram Transport Finance has generate a lot of interest from applicants. What do you feel is the one quality that sets you apart from others we are speaking with about this position?
This question is the perfect opportunity for you to highlight the one key quality that makes you the best person for this position, so be sure to really think about what this one quality is ahead of your interview. While there are many ways that you can take you answer to impress your interviewer and seal the deal for you in getting the job, be sure to avoid making assumptions about the other candidates in your answer. As well, be sure to avoid anything in your answer that points to this job being convenient for you personally or the fact that you'll be getting compensated for this work. Those are quick ways for you to go to the bottom of the candidate ranking list.

Ryan's Answer #1
"As I've talked about during this interview process and from what you can see on my resume, I have all of the technical skills needed to grow your financial advising practice here at Shriram Transport Finance. What sets me apart from my competition is my drive to succeed in this industry and I'd love to bring that drive to Shriram Transport Finance to help working with your highest profile clients possible. Growing up and continuing to this point in my life, I've always been a very competitive person. I've played many team and individual sports my whole life and my drive to win in those has definitely carried over to and been a huge benefit in my work as a Financial Advisor. I'd love to bring this competitive spirit to your team."
Ryan's Answer #2
"From what I understand about this role in Client Services with Shriram Transport Finance, my day to day work will include a lot of client interaction and I really feel like the job description was written with my skills and abilities in mind. But the thing that will really set me apart for being the perfect fit for this role is my experience on the sales side of things where I spent five years of my working career in the retail sales industry. In sales, I have developed key skills like product knowledge and selling skills that would be very beneficial to this role."
3.
How do you define working capital and why is it important for our clients here at Shriram Transport Finance to take this into consideration when evaluating their finances?
While it will be important for you to explain your knowledge of working capital, your interviewer will really be looking to hear your thoughts on why it is important for clients to consider as part of financial decision making processes. Give an overview of your personal thoughts on the importance of considering working capital while hitting on its ability to maximize an organizations efficiency and profitability.

Ryan's Answer #1
"While working capital is pretty simple in that is simply defined as an organization's current assets minus their current liabilities, many companies fail to see the importance in these simple numbers. My goal with clients here at Shriram Transport Finance would be to work them toward a positive working capital ratio as that allows them to have the finances on hand to grow and prosper in to the future."
Ryan's Answer #2
"Working capital essentially tells me as a financial analyst about the organizations ability to meet financial obligations in the coming years and their ability to grow prosperously into the future. With accurate financial statements, subtracting liabilities from assets shows the overall health of the finances of an organizations and their ultimate direction for the future. I have a lot of great experience helping turn around organizations that have a negative working capital into a position position in a short amount of time. The clients here at Shriram Transport Finance could benefit greatly from that work into the future."
4.
If hired for this role at Shriram Transport Finance, I want to be sure that I'm hiring a motivated individual. What motivates you in your daily work and your career?
In the financial services field, you should have strong personal motivation to succeed in your work and your interviewer is asking this question to see what it is that make you tick while on the job. While being open and honest in how you stay motivated on the job, make sure that your answer doesn't include collecting a paycheck every week or two. While money is certainly a motivator in this field, make sure that you use it in an appropriate context if you decide to talk about the financial piece of this business as being a motivator. In the end, your interviewer is looking to get a sense of how he or she will be able to keep you hungry for more if you are hired for this role.

Ryan's Answer #1
"I find myself the most motivated on the job when I am being challenged and when I can continue learning new things. From what I've learned in talking to others that currently work here at Shriram Transport Finance, the fast paced environment and continuous changes in the industry would keep me very motivated in my work and you'd never have to question if I were truly enjoying and being motivated in my work."
Ryan's Answer #2
"At a young age, my father taught me to do what I love and love what I do and I know that as I approach the middle years of my career that I made the right career choice. The personal finance field has really blended my love of helping others succeed and my passion for statistics and computers. In this role with Shriram Transport Finance, I'll be working with your clients everyday on helping them achieve financial success and that alone is all of the reason I need to get out of bed every morning."
5.
If a client you were working with here at Shriram Transport Finance purchased a large asset, how would you explain to them the impact of that purchase on their financial statements?
When an organization purchases a large scale asset, like new equipment or property, it has an impact on their financial statement. As part of your role working with clients of Shriram Transport Finance, your job will be to explain the impact of that purchase on cash flow, income statement and the overall balance sheet. For this question, walk your interviewer through how you would educated clients on large asset purchases to show you have a solid understanding of their impact on the finances of the company.

Ryan's Answer
"I have a great example of this just happening recently with my current organization that purchased a $1,250,000 piece of manufacturing equipment. With our leaders, I explained that since the equipment was purchased in cash without financing, it would directly impact our cash flow statement immediately. On the balance sheet, it ended up being a wash with the cash side going down by $1.25 million and the asset side going up by that same amount with new equipment. The biggest thing that I had to reiterate to leaders was the impact of depreciation on the overall income statement in the coming years."
6.
The clients of a financial firm like Shriram Transport Finance can display an arrange of emotions when they work with our Client Services team. How would you handle a situation where a client was very angry?
Whether due to a large amount of money lost on the market or a client feels they were ill-advised by an Advisor, your job as a Client Services Representative will at some point or another deal with a very angry client. For this answer, your interviewer will be looking to hear that you do what is necessary to stay calm and stay focused on finding a resolution. If possible, use a specific example of a time you had to do exactly this and explain how effective communication was critical in making the situation right for the client.

Ryan's Answer #1
"As you can see from my resume, I've spent the last three years in customer service relations for a large insurance company. As you can imagine, a large majority of my customer interactions were with upset customers. I've been called names that I can't repeat here in this interview and my key to working through these situations was to remain calm and not take things personally. Like the financial world, the insurance business is a very life altering experience and a loss or damage to an item is very stressful. I tried to put myself in the customers shoes, see things from their perspective and do my best to ease their situation. In this role with Shriram Transport Finance, these same skills would be vital for me to find solutions or the right person to talk to if needed."
Ryan's Answer #2
"First and foremost, an active listening approach is the first step to lowering the tension from an angry customer. A couple of months ago, we had a very angry customer come onsite to complain about a defective product that cut his hand pretty badly. The customer came onsite to complain even before receiving emergency care, which was apparent that he needed. First, I let him release his anger and it was not a pretty sight. Then I calmly repeated back what he had said and then explained what our policy allowed me to do at that time. Looking back, my sincere approach and calm demeanor helped calm him down and later that day, my manager had a formal complaint sent to the manufacturer and we were assured that they'd be in contact with the customer."
7.
How do you stay on top of new trends in the financial services industry?
The interviewer would like to know that your passion for financial services goes beyond your work hours. Do you keep on top of industry news and trends on your off time? Assure the interviewer that you are well immersed in the industry.

Ryan's Answer #1
"I stay on top of financial service trends through a variety of blogs, news sites and financial magazines. My favorite finance news site at the moment is businessinsider.com."
Ryan's Answer #2
"I believe that it is crucial for me to stay on top of news in the financial services industry if I hope to be a success. I have joined multiple meet up groups to network with industry peers. It has really helped my network and given me insight into how other financial service professionals are making their careers flourish."
8.
In this role with Shriram Transport Finance, we will rely on your analytical reporting skills on a regular basis. Why do you feel analytical reporting is important in the financial field?
Because the financial field is heavily reliant on numbers and data, analytical reporting can be a great tool to help key stakeholders make key decisions that have a positive impact on the business. In your answer to this question, point out the fact that you know the impact that data can have in the financial field and also talk about the types of analytical reporting you have done in the past that can be useful to the team at Shriram Transport Finance. Also, feel free to ask any follow up questions on the expectation for this position.

Ryan's Answer
"As a Business Analyst, I've always viewed data as a tool to help make the right business decisions and my analytical reporting requires thoroughness in my data reporting. Here at Shriram Transport Finance, you can easily make decisions based off of hunches or gut feelings. But I have a feeling that the more data gathered to help make the decision, the better the decision ends up being in the end."
9.
At Shriram Transport Finance, our clients are the lifeblood of our business and we do everything in our power to make them happy. What does the term customer service mean to you in your work?
No matter what position you are interviewing for at Shriram Transport Finance, your interviewer is looking to hear what customer service means to you in your work and how you apply that philosophy in your everyday work life. In essence, they want to hear your story as to why solid customer service is important to you. Prior to your interviewer, be sure to really think about this question to apply what is important to you in how you go about your work. Whether you talk about problem solving or making people happy, this should be reflected in the work that you do.

Ryan's Answer #1
"A pursuit of a career in the financial field really suited my two passions in life of mathematics and problem solving. In this role, helping clients solve problems in an efficient manner and with a smile on my face would be the drive to succeed that I need. At the end of the day, if I see that my work helped a client grow their wealth and achieve their financial goals, I know that it was a job well done."
Ryan's Answer #2
"As a people person by nature, I have an innate ability to do what is needed to give customers the best experience possible when I'm working with them. This means that I reflectively listen to their needs and concerns and do what is necessary to help them based on what I heard. In my interactions with customers, I am positive, pleasant and nurturing by nature and I've found that customers are very receptive to my style off communication with them. If hired for this role at Shriram Transport Finance, you'll quickly find that dedicated customer service is one of top qualities that I will bring to you team."
10.
Give me an example of a time that you had to solve a problem without having all of the necessary information at hand to do so. How did you handle that situation?
For this question, your interviewer is looking to test your ability to be analytical and resourceful in a specific situation where you had to dig further to solve a problem. Prior to your interview, try to think of a time in the past where you encountered this specific situation and talk through it by laying out the problem and walking through the step-by-step approach you took to solve the problem. Try to be as detailed you can as you explain how you thought the problem out and worked hard to use the resources you could to help solve the problem. Your interviewer will be relying on these fine details to truly see how you will perform on the job with Shriram Transport Finance.

Ryan's Answer #1
"Back when I first joined my current organization, I was taking a role that had been vacant for many months and I had to start with a backlog of work along with the regular daily activities. This customer service role included logging daily visitors and calls and the interim rep only kept brief notes. After taking the time to walk through training and getting running on my own, I realized that the current workload wouldn't allow me to catch up on the backlog of work that had been missed. While I had ideas of how to play catch up on the work, I approached my supervisor with a few ideas and we settled on having me log hours from home on our system as overtime to get caught up. I worked with our IT staff on getting set up on our network from home and was more that willing to help out with some extra hours."
Ryan's Answer #2
"Working for a large financial institution, our advisory staff help cover for each other when we are on vacation, sick or simply out of office for the day. We typically team up in group of three to help provide coverage for each other. A couple of months ago, I fielded a call from a colleague's client while she was away on vacation and completely out of phone coverage. The client had several questions about their personal finances that I couldn't help resolve off the top of my head. I let them know that their advisor was away on vacation but I would take the next hour to research their questions and get back to them shortly. This was a very acceptable path of action to the client and I took the time to get their questions answered quickly."
11.
Give an example of a time that you had to resolve a difficult situation with a client or customer. What were the keys to coming to a successful solution?
In a front facing role with Shriram Transport Finance where you will be interacting with clients on a daily basis, your interviewer wants to be ensured that you have the skills to resolve client issues with ease and they'll look to do so with this question. In your answer, let your interviewer know that you can take ownership of any situation by talking about a specific time where you did what was necessary to alleviate a difficult situation with a client. Talk about the resources that you used and your interpersonal skills that helped turn a potentially bad situation into a successful one.

Ryan's Answer #1
"Having worked in customer service for one of the areas largest auto dealership for the last six years, handling difficult customers was a situation I had to learn to handle pretty quickly. Just a few weeks ago, I was covering our front desk on a Saturday afternoon when our sales staff was still open for business. I recognized the person approaching the door as a customer that had recently purchased a new vehicle. He stormed through the door, placed his keys on the counter in front of me and said that he demanded a refund on his new purchase because the check engine light had already come on inside of the car. Knowing off the top of my head that his new vehicle was under a full warranty, I calmly let him know that his car was under warranty and that I'd have a member of our sales staff come out and take a quick look. I also let him know that our service department was not working that afternoon and, if needed, we could schedule him for a diagnostic test at his earliest convenience. After our salesman went out to take a quick look and not seeing anything obvious, we ended up giving him a loaner vehicle so his new car could be taken care of on Monday morning. He ended up leaving pretty happy that day and I know that my patience in hearing him out really helped."
Ryan's Answer #2
"A couple of years ago, I was asked to work with a very high profile client for his financial advising services when he came to our firm because my CEO trusted I could handle what he felt would be a difficult task. From my first meeting with the client, he demanded that we provide more returns than the previous firm that he worked with and he was rather rude with our front desk staff. I took the approach of taking the time to listen to his needs and speak to him more about what my firm could provide. I laid out my experience and track record for him to help him build his trust in me. I knew that with him, I would need to take time to walk through my decision making processes for his investments and he really appreciated that. As of today, we are still working strong together and his wealth is growing."
12.
What is your familiarity with debt-to-equity ratios and what would you consider a good debt-to-equity ratio?
For this question, your interviewer will be looking to hear that you understand the basics of calculating a debt-to-equity ratio and why it is used. In your answer, be sure that you talk about the ratiosd importance in considering debt financing. As well, if you have familiarity with ifferent industries and what is considered a reasonable ratio for each industry, be sure to talk about that as well because what is considered reasonable can differ widely between industries.

Ryan's Answer #1
"I am very familiar with debt-to-equity ratio calculations and know that ratios lower than 1.0 are desired to consider a firm financially stable. When I've worked with ratios exceeding 1.0, I've provided further examinations of the industry and the organizations stance within the industry to further determine their overall risk to hopefully provide a win-win situation."
Ryan's Answer #2
"Simply put, the debt-to-equity ratio is found with two easy figures found on a company's balance sheet: their total liabilities and shareholder equity. Swaying away from the norm, I know that the financial and banking industries often have to consider debt-to-equity ratios higher than 2.0 to be common and acceptable due to the large amounts of loaned money and high financial leverage by those institutions. "
13.
At Shriram Transport Finance, we expect our Business Analysts to put extra emphasis into the risk management aspects of their project work. How have you performed risk mitigation and risk avoidance in your previous roles as a Business Analyst?
The financial field is often posed with great risks and Business Analysts must always factor potential risks into the equation of any project that they work on. To get a better idea of how you will do this if hired at Shriram Transport Finance, your interview is giving you a chance to talk about your knowledge of risk and how you have worked with risk mitigation and risk avoidance in your previous positions. If new to the financial services field, it is important to show that you know that common risks can be systematic, operational, legal and credit related.

Ryan's Answer #1
"As you can see from my resume, my Business Analyst experiences come from the software and manufacturing industries where common risks were associated with systematic and operational faults. Similar to the finance industry, I also have experience in helping mitigate legal risk. In my current role, I mitigate legal risk by working with a team of legal experts to know the laws and then develop a series of what-if questions to propose potential scenarios. Based on the what-if scenarios, we can implement specific requirements into the project to help minimize potential risk."
Ryan's Answer #2
"From an early point in my career as a Business Analyst, I learned that a solid analysis process is the key to reducing any risk in a project. Two areas that apply the most are scope creep and impact analysis. To reduce scope creep and avoid any risks associate with it, I ensure that all stakeholders understand the scope of the project from the start and that I check in to validate the requirements as frequently as I can."
14.
Do you have any experience in financial modeling? What skills in financial modeling could you bring to the clients here at Shriram Transport Finance?
In the corporate finance world at Shriram Transport Finance, clients may look to you to be the expert to help them build forecasting models for the future. For this question, your interview is looking to hear that you have experience in financial modeling. Talk about your experience, what industry it was in and what tools you needed to help build as detailed of a model as possible. To seal the deal for this question, make sure to explain that your experience could be used across many businesses and industries with the clients you would be working with.

Ryan's Answer #1
"As you can see from my resume, my corporate finance experience has mostly fallen in the manufacturing industry and financial modeling for forecasting purposes has been a skill that I've been developing over the past ten years. To start, I consider myself a master in Microsoft Excel to build great financial modeling tools that utilize all necessary data from an organization's financial statements. Though my experience is in manufacturing, my skills in financial modeling are ready to be applied to healthcare, banking or any other industry with your clients."
Ryan's Answer #2
"I have experience creating financial forecasting models in a few different areas of business. I consider my most unique talent to be my experience in M&A modeling for organizations that are looking to grow their business. In my current role, I've worked with leaders of organizations to strategically plan new acquisitions and modeling M&A for them was an integral part of the process. On top of M&A, I have experience in the standard three statement model and discounted cash flow analysis."
15.
At Shriram Transport Finance, 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 Shriram Transport Finance 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 Shriram Transport Finance 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 Shriram Transport Finance, I will work hard to be highly educated in your services and be proactive and accountable in every interaction that I have."
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27 Shriram Transport Finance Interview Questions
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Interview Questions
  1. Shriram Transport Finance seeks out natural and confident leaders. What leadership qualities do you possess?
  2. This position at Shriram Transport Finance has generate a lot of interest from applicants. What do you feel is the one quality that sets you apart from others we are speaking with about this position?
  3. How do you define working capital and why is it important for our clients here at Shriram Transport Finance to take this into consideration when evaluating their finances?
  4. If hired for this role at Shriram Transport Finance, I want to be sure that I'm hiring a motivated individual. What motivates you in your daily work and your career?
  5. If a client you were working with here at Shriram Transport Finance purchased a large asset, how would you explain to them the impact of that purchase on their financial statements?
  6. The clients of a financial firm like Shriram Transport Finance can display an arrange of emotions when they work with our Client Services team. How would you handle a situation where a client was very angry?
  7. How do you stay on top of new trends in the financial services industry?
  8. In this role with Shriram Transport Finance, we will rely on your analytical reporting skills on a regular basis. Why do you feel analytical reporting is important in the financial field?
  9. At Shriram Transport Finance, our clients are the lifeblood of our business and we do everything in our power to make them happy. What does the term customer service mean to you in your work?
  10. Give me an example of a time that you had to solve a problem without having all of the necessary information at hand to do so. How did you handle that situation?
  11. Give an example of a time that you had to resolve a difficult situation with a client or customer. What were the keys to coming to a successful solution?
  12. What is your familiarity with debt-to-equity ratios and what would you consider a good debt-to-equity ratio?
  13. At Shriram Transport Finance, we expect our Business Analysts to put extra emphasis into the risk management aspects of their project work. How have you performed risk mitigation and risk avoidance in your previous roles as a Business Analyst?
  14. Do you have any experience in financial modeling? What skills in financial modeling could you bring to the clients here at Shriram Transport Finance?
  15. At Shriram Transport Finance, 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.
  16. Talk about your experiences working with both fellow Analysts and Accountants within your own firm and with external partners. How do you feel that you will be effective in working with our external candidates in this role here at Shriram Transport Finan
  17. Pretend an old friend just awoke from a coma that lasted over 30 years. How would you describe the internet to them?
  18. Talk to me about a challenging situation you had to handle on the job that involved another colleague. How did you handle that situation?
  19. Our customers rely on our services outside of normal business hours. Are you able to work a flexible schedule if hired for this position?
  20. We are looking for the most motivated individuals to join the team here at Shriram Transport Finance. Where you would you like your career to take you in the next five to ten years?
  21. What is the most attractive thing in your eyes about this role with Shriram Transport Finance?
  22. What would you do in a situation where you just didn't have all of the information you needed from a client? What would be the steps that you took in ensuring you had all of the information possible in creating a financial analysis for a client?
  23. How do you believe your coworkers would describe you?
  24. We pride ourselves on teamwork here at Shriram Transport Finance and this role in Client Services relies on teamwork. What are the top qualities would you would bring to a team based atmosphere here?
  25. If you were having an interaction with a client here at Shriram Transport Finance and you weren't able to answer their question or solve their problem on your own, how would you handle that situation?
  26. Our clients here at Shriram Transport Finance 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?
  27. How long will it take you to make a meaningful contribution to our team at Shriram Transport Finance?
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