Axis Bank Interview Questions

Success in a bank interview is not an easy accomplishment, but with proper preparation, it can be less challenging.

In this blog, we have compiled the most commonly asked Axis Bank interview questions for all levels of candidates, sourced from real interviews and credible sites, to bring you the most relevant, fresh, and frequently asked questions. We have HR and domain-specific questions designed to help you ace the interview, whether you are a new hire, an experienced professional, or applying for a position as an assistant manager, back office, or relationship manager.

You will be equipped with everything from the leadership and values to the bank’s corporate overview and its steps in the hiring procedure, so you can be ready to face the interview instead of just being prepared.

Table of Contents:

Overview of Axis Bank
Understanding the Axis Bank Interview Process
Axis Bank Interview Questions for Freshers
Axis Bank Interview Questions for Intermediate Professionals
Axis Bank Interview Questions for Advanced Professionals
Axis Bank Assistant Manager Interview Questions
Axis Bank Interview Questions for Back Office
Axis Bank Interview Questions for Relationship Manager

Overview of Axis Bank

As one of India’s most prominent private sector banks, Axis Bank continues to hold a significant position in the financial services industry. UTI Bank was founded in 1993, and in 2007, it rebranded to Axis Bank, a name that has been synonymous with well-established retail- and digitally inclined customer-first banking services in India.

As of 2025, Axis Bank has the third-largest private sector banking assets in India. Axis Bank is ranked in 3rd position with 5,876 domestic branches, over 12,000 ATMs, and more than 59 million customers. The bank is led by Amitabh Chaudhry, who has been MD & CEO since 2019 and has been granted until 2027 to serve his term.

Understanding the Axis Bank Interview Process

The key stages in Axis Bank’s recruitment process are listed below. These steps may change depending on the interviewee’s order of presentation:

• Online Application – Candidates participate by applying via the official careers portal.
• Preliminary Testing – Some roles have a prerequisite of completing an aptitude or psychometric test (especially for freshers).
• Preliminary Interview – Assesses the résumé along with the applicant’s communication and domain expertise.
• Final Interview – May involve job-specific elements, questions related to problem-solving, and behavioural evaluations.
• Post-Interview Steps – Selected candidates follow guidelines to process documentation, training, and onboarding steps.

Based on user reports from Glassdoor, this process would take just over a month, 26 days on average, while providing 72% of users a positive experience with the process and a 2.7 out of 5 rating on difficulty.

The bank regularly hires new employees through campus placements, lateral hiring efforts, its Young Bankers Program, and online job ads at axisbank.com/careers.

Axis Bank Interview Questions for Freshers

If you are a new graduate looking to enter the banking sector, Axis Bank is one of the easier private sector banks to get a foothold in. Their fast learning culture is well-known, and positions like Assistant Manager, Customer Service Executive, or Relationship Officer are entry-level but provide a great starting point.

For your convenience, we have provided some of the most common Axis Bank interview questions and answers for freshers below, so you can prepare for the interview in a better and efficient manner. 

1. Tell me about yourself.

I have completed my B.Com from XYZ University and have an inclination towards finance and customer service. I was an active student at my college’s finance club, and I organised financial literacy workshops. Also, I have completed a short-term course on ‘Banking Fundamentals’ through NISM (National Institute of Securities Markets). I look forward to starting my career in a well-regarded firm like Axis Bank because my interests and academic background are in financial services.

2. Why do you want to work at Axis Bank?

Because of the positions Axis Bank has held, they are recognised for their brand image and innovations in retail and digital banking. Launching my career in an organisation that has ample career opportunities and stands for integrity and enduring customer service is truly remarkable. I have complete faith that the work culture, learning opportunities, and presence of Axis Bank throughout India will make it an ideal employer to aid in my personal and professional development.

3. What do you know about Axis Bank?

Axis Bank is one of the leading private banks in India, founded in 1993. It serves retail, SME, and corporate clientele with a wide selection of financial services. The bank is known for a digital-first strategy, strong corporate social responsibility initiatives, and leadership in sustainable finance. Its headquarters is in Mumbai, and its current MD and CEO is Amitabh Chaudhry.

4. How would you handle an irate customer?

I would stay composed and actively listen to the customer’s problem without interrupting. Once I fully understand the situation, I will reassure the customer that I will do everything in my power to make the necessary adjustments. I would quickly bring in a senior in cases where I need to escalate the matter. The customer’s perception of the interaction as respectful and attentive is critical.

5. What are your strengths and weaknesses?

My biggest strength lies in the fact that I can exhibit effective communication, adaptability, and a willingness to learn. Moreover, I can comfortably work within a team and thrive under pressure. My one weakness is overthinking tasks, but I have been addressing this by setting actionable time limits and seeking constructive feedback.

6. What is KYC, and why is it important?

KYC implies Know Your Customer. It is a necessary step that financial institutions undertake in order to validate their clients’ identity in a bid to mitigate financial offences such as money laundering and fraud. It involves collecting documents such as PAN, Aadhaar, and proof of address. KYC helps financial institutions with fraud and identity theft by maintaining accurate customer records. This helps in establishing trust in the KYC process.

7. Are you comfortable working under pressure or meeting sales targets?

Absolutely, yes. I consider sales goals as motivators rather than burdens, and I am aware that they are critical to the expansion of any organisation. In any case, I see targets as something you can work towards and push yourself to achieve. Personally, I improve my time management and sharpen my focus to help me deal with the pressure.

8. How would you explain a savings account to someone who has never used a bank?

For people looking to save money, a savings account is the best. It can be opened at any bank, and you start depositing. Furthermore, you are able to earn some interest while keeping your money secure. When the time is right, you can withdraw the money, and it is fairly easy to track your savings and expenses via passbooks, ATMs, or mobile applications.

9. Where do you see yourself in 5 years?

My ambitions are massive, but I prefer taking my steps one at a time. I aspire to be a team leader or a manager within the organisation in the next five years. I want to build a robust understanding of the banking sector, remain a lifelong learner, and gradually step into managerial roles to develop completely within the company.

10. Describe a time you worked in a team.

While in college, I helped organise a finance fest. We were assigned roles, and I focused on getting sponsorships. There were disagreements on how to allocate the budget, but I called for a team meeting, and after collecting everyone’s ideas, we settled on a new plan. As a team, we successfully carried out the event, and it reinforced vital communication and coordination skills in me.

Axis Bank Interview Questions for Intermediate Professionals

If you are a professional with 1 to 4 years of experience as a relationship manager, personal banker, assistant manager, or operations executive, this section is meant for you. The questions assess functional knowledge as well as the subject matter expertise to take charge of the given business and manage clients for business development.

11. Can you describe your experience with customer relationship management in a banking setup?

At my previous organisation, I held a portfolio with over 200 retail customers. I met the monthly targets for mutual funds, credit cards, and term deposits given by the organisation through need-based selling. I conducted regular reviews with my clients with high net worths and quickly addressed escalated issues, which led to a 15% improvement in client retention.

12. How do you ensure compliance with KYC and RBI regulations during daily operations?

Making sure I am compliant with regulations is something that I always follow. I make sure to check on RBI’s guidelines as well as internal circulars from Axis Bank. In my position, I ensure that every account that is opened for a new customer is compliant with KYC norms. This includes document collection such as Aadhaar, PAN, utility bills, and CKYC cross-reference. I also perform routine customer account due diligence reviews. If I detect an outdated document or a mismatch, I reach out to the customer immediately. For example, my branch had an audit recently, and I was pleased to see the branch receive a KYC audit appreciation for 100% compliant documents with no non-conformities flagged.

13. What KPIs did you track in your previous role, and how did you perform against them?

In my past position as a personal banker, I was assessed on multiple KPIs. These included the increase of CASA (Current Account Savings Account) balances, acquisition of new accounts, penetrative sales of ancillary products such as insurance and mutual funds, as well as the servicing request turnaround time (TAT). I met and exceeded expectations by hitting 115% of my CASA targets in FY24 and was among the top 5 personal bankers in my region. I also performed well on my TAT of under 48 hours for service resolution, which contributed to the decline of customer complaints.

14. Have you led any digital banking initiatives or campaigns?

Indeed, I have taken the initiative to promote digital banking, particularly during the period of the “Digital India” awareness campaign. I single-handedly drove a branch-level campaign for the Axis Mobile and Internet Banking registrations. As an adopter myself, I trained over 70 customers, mostly elderly, on how to complete simple fund transfers and bill payments through digital banking. As a result, we achieved a 60% increase in mobile banking logins and a 40% decrease in footfall for basic service requests. I also onboarded customers who were small merchants to the QR code payment system, thus streamlining the payment process for their daily transactions.

15. Describe a challenging situation with a customer and how you resolved it.

An instance that stands out to me was when a high-value client experienced a holdup in home loan disbursement because of an issue with documents between the legal and credit departments. The client became furious and verbally voiced his intent to escalate the issue to higher management. As for me, I accepted the delay and took complete responsibility for the situation. I worked with the credit supervisor as well as the legal advisor to do a full validation of the property documents and expedite the approvals. I also ensured the client was receiving status updates every few hours so as to boost the level of transparency provided. Ultimately, the disbursement was finalised in under 48 hours, and the client went on to send a thank-you email to my branch head. This particular experience taught me the value of communication and proactive follow-up during and after a situation has been managed.

16. Tell me about a time you had to meet a difficult sales target. How did you achieve it?

During festive holidays, I was given a monthly credit card sales target that exceeded the previous month’s target by 40%. I focused on customers with pre-approved offers and cross-selling during account openings. I even organised collaboration with retail partners to introduce as many people as possible to the offers. Through diligent follow-up and clever phrasing, I pushed well past the target by 15%. I learnt from this that customer-focused pitches and intelligent targeting work better than cold selling.

17. How do you manage upselling without making the customer uncomfortable?

Upselling is the process of determining the needs of the customer before recommending a product. I begin with understanding their financial objectives and existing portfolio. Product offerings include investment opportunities or accounts with more features and benefits. As an example, I once showed a savings account holder how a priority banking service would better serve their needs as their business expanded, and I upgraded them. Customers consider my service supportive, not pressured, due to my consultative style.

18. What are the key components of a good credit risk assessment for a personal loan?

A complete credit risk evaluation includes a borrower’s CIBIL score, repayment history, income stability, existing financial liabilities, and current obligations. I am aware that you have additional criteria at Axis Bank with account behaviour, salary credit patterns, and employment history. At my previous job, I saw a loan application with a strong CIBIL score but inconsistent salary credits, which were later confirmed as fraudulent. I learnt to conduct comprehensive evaluations from that.

19. Have you ever identified a fraud or suspicious transaction? What action did you take?

In contrast to what I had anticipated, a massive transaction was made in a dormant savings account. I escalated the account to the internal fraud control unit, and I placed a hold on the transaction until the customer’s details could be verified. It seemed as though the customer’s phone number was compromised. Taking prompt action on the flagged transaction prevented additional loss. After the issue was resolved, I contacted the customer to teach them how to protect their banking details.

20. What do you know about Axis Bank’s latest digital banking initiatives?

The “Axis Mobile” app, “Open by Axis Bank”, and WhatsApp banking, along with collaborations with fintech firms, have significantly improved the experience of clients and Axis Bank customers. Axis’s latest initiatives, focused on AI-based underwriting models for SME lending, also demonstrate the bank’s commitment to digital transformation. With a strong interest in new technology, I stay informed about the latest developments, enabling better alignment with customer satisfaction and the bank’s strategic goals.

Axis Bank Interview Questions for Advanced Professionals

Axis Bank anticipates that you, as a seasoned professional, will demonstrate strategic skills, executive functional skills, and exceptional leadership. At this level, the questions posed usually focus on whether you can drive business value, control risks, create effective teams, and embrace Axis Bank culture and values. The interviewer wants answers based on actual experiences in the banking industry with concrete results that can be verified.

21. How do you evaluate credit risk for a high-value corporate client?

Assessing credit risk for important customers requires different levels of analysis. I start with a detailed analysis of the financial statements, starting with liquidity ratios, debt-to-equity ratio, interest coverage, and repayment history. I then evaluate qualitative elements like market share, managerial calibre, and industry stability. I also make use of the credit rating agency’s report, as well as Axis Bank’s own risk models. Testing clients under harsh market conditions is very important to determine the client’s ability to endure turbulence. I always ensure that the risk profile is consistent with the bank’s policies on credits as well as the guidelines of the Reserve Bank of India before I give any advice.

22. Can you describe a time when you turned around a low-performing branch or business unit?

In my last position, I took over a branch that had stagnant CASA (Current Account Savings Account) growth and loan disbursements. I began with a recruitment analysis coupled with an audit of team capabilities. We redesigned sales targets, implemented targeted marketing, and set up a cross-selling framework. I also started holding weekly KPI-driven performance review sessions. Within half a year, CASA deposits surged by 28% and retail loan disbursements improved by 35%, situating the branch within the top quartile of regional performance.

23. How do you ensure regulatory compliance while driving innovation in banking products?

Balancing compliance with innovation requires embedding risk mitigation strategies within the earliest stages of the product development cycle. I partnered with the compliance office to define boundaries with RBI, SEBI, and IRDAI for relevant clauses to be incorporated within the structural outline of the products. For example, with the digital lending product, we incorporated KYC compliance and fraud detection in real time using AI. This approach ensured the product adhered to the mandatory regulations while delivering a streamlined customer experience, thus avoiding compliance setbacks after product launch.

24. What strategies would you use to grow Axis Bank’s corporate banking portfolio in a competitive market?

I would start with a relationship-driven business development model alongside target-specific sector engagement. To begin with, I would first determine the sectors with the highest growth potential yet received the least attention, such as renewable energy, logistics, and IT services, and develop tailored financing packages. Due to the strong position of Axis Bank in digital banking, I would add value through advanced treasury and trade finance services tailored to the needs of the clients’ businesses. Furthermore, encouraging deeper client engagement to establish thought leadership through exclusive CXO networking events would position them as an industry thought leader.

25. How do you handle a situation where a long-term client is unhappy due to a service issue?

I begin by listening to them without interruption to fully understand their concerns. The next step is acknowledging the issue and offering an apology. I then check what the problem’s origin is, whether operational, technical, or process-related, and then deal with it decisively. For important clients, I give them personal follow-ups, providing them with service recovery options like waivers of fees or enhanced support. The important part is not the immediate issue but the long-term dependability and trust.

26. What is your experience in leading large-scale digital transformation in banking operations?

In my previous position, I was in charge of a core banking migration project for over 150 branches. This task was coordinated with IT vendor companies, as well as training over 800 staff and keeping critical banking services running continuously. We enhanced the legacy systems to improve the speed of transactions through the cloud-based APIs to digital payment systems by 40%. 

27. How do you manage and motivate high-performing teams in the banking sector?

Establishing measurable goals and allowing team members full discretion over execution fosters ownership and empowerment. Recognition combines public praise, rewards, and career advancement opportunities, which motivate and support optimal performance. Frequent one-on-one meetings enable me to understand personal goals better and match them with organisational objectives, leading to consistent high performance.

28. Describe a time when you successfully mitigated a high-value fraud attempt.

A corporate account was flagged for an unusually large international transfer. I worked with the fraud detection team to modify our protocol, and the transaction was suspended for investigation. Compromised credentials were the source of the logged accounts. We informed the client, helped them with the account recovery process, and submitted an STR to FIU-IND. By acting quickly, we mitigated a potential loss of ₹2.5 crore.

29. How do you approach portfolio diversification in corporate lending?

I manage concentration risk by ensuring exposure is diversified across sectors, geographies, and risk categories. A heat map of the portfolio’s sectors, as well as its credit ratings and NPA trends, is monitored. This enables the proactive modification of preemptive rebalancing in sectors that are showing early signs of distress, improving the bank’s asset quality and maximising returns.

30. Where do you see Axis Bank’s biggest growth opportunities in the next 5 years, and how would you leverage them?

Axis Bank’s strengths in wealth management, SME lending, and digital banking offer enormous opportunities. The next five years will see significant shifts in embedded finance, green financing, and cross-border digital payment ecosystems. I would leverage Axis Bank’s partnerships and collaborations with fintech companies and their advanced data analytics to ensure growth and customer loyalty by designing customised financial products in emerging sectors.

Axis Bank Assistant Manager Interview Questions

An Assistant Manager role at Axis Bank combines leadership, relationship management, knowledge of banking products, and compliance processes. During an interview, you will be asked to demonstrate your technical and banking knowledge as well as your leadership abilities in sales, team management, and compliance-driven risk management. Here are 10 questions that are most frequently asked for this role, complete with comprehensive answers to ensure your confident and solid preparation.

31. How do you prioritise your daily tasks as an assistant manager?

I start each day by reviewing any unfinished work from the previous day’s routine and integrating it with today’s priorities. My workload is organised through a mix of digital channels, such as task sheets on MS Excel and effective reminders. For instance, urgent compliance reports and customer follow-up tasks are on two separate levels of importance. I complete important tasks such as loan releases or account approvals well in advance of the end of the day to mitigate last-minute rushes. I also set aside some time to deal with last-minute escalations because the nature of the banking work is often urgent in nature.

32. How do you ensure your branch meets its sales targets?

To ensure that sales targets are achieved, I first set reasonable monthly targets for each individual and track achievement of the targets with weekly progress reviews. I motivate the team through appreciation, adequate training on the products, effective sales strategy communication, and achievement recognition. For instance, I do not wait for the branch to meet the target on its own for home loan disbursements. I run customer outreach campaigns and give referrals to builders to ensure the target is met. I also work with the sales performance metrics to bring change in the underperforming metrics so that they are no longer bottlenecks.

33. Can you explain how you handle customer escalations?

When a customer escalation takes place within the company, I make sure to listen to the customer carefully to understand their core issue in detail. Next, I make sure to acknowledge the customer’s grievances and explain to them the timelines available for resolution. For example, in the case where a customer expresses dissatisfaction concerning the slow processing of their loan, I make sure to contact the credit division to help in expediting the loan, and I also make sure that the customer is informed at all the relevant stages. The basic guidelines to deal with the customer in such a scenario are being open and honest about what is being done, taking decisive actions, and consistent follow-up until all matters are completely clear and issues fully settled.

34. How do you handle discrepancies found during cash reconciliation at the end of the day?

When resolving discrepancies in cash reconciliation, I always start by validating the transaction logs, teller slips, and reports from the systems to see where the discrepancies are and if all the discrepancies are logged at the same point. I also make sure to get the relevant staff that I need to help with the discrepancies and check for suspected duplications by checking the cameras if need be. After all the procedures that are needed to fix the issue are confirmed, I make sure to follow the correct procedures that are set for the bank’s processes concerning the discrepancies and their resolutions. The core principle to be followed in this case is to make sure all issues impacting the organisation are resolved to the highest level with the lowest disruption and in less time, while all the steps to avoid repetitive mistakes in the future are put in place.

35. How do you ensure smooth ATM operations for customers?

To ensure smooth ATM operations for customers, I insist that cash management teams are instructed on the timely and scheduled servicing of the ATMs for cash replenishment and checking for various errors. I also actively control the error and the time reports, and for that purpose, I can offer services to the users before the services are blocked. For safety purposes, I make certain that the cameras and alarms are set to the ATM shields and also that the cash replenishment is done according to the former set safety control guidelines.

36. Describe your process for handling large corporate account clients.

Taking into account the client’s business model, its cash flow needs, and its financial goals, I offer tailored solutions like treasury services, bulk payment and credit facilities, or custom credit lines. Relationship reviews on a more frequent basis assist with maintaining seamless operational banking, while consistent value addition through upselling should also be part of the agenda.

37. How do you train new joiners in branch operations?

For each client, I design onboarding programs that include regulatory compliance, banking systems, client interactions, and other operational workflows. I utilise a combination of instructional sessions and shadowing seasoned team members. Active monitoring during the initial month aids in filling gaps and reinforces optimal workflows.

38. What is your approach to handling branch audits?

I achieve compliance and documentation goals well ahead of time, addressing open compliance issues. I work closely with the auditors throughout the audit, deliver the necessary information on time, and properly describe the operational procedures. I then create an action plan and implement whatever recommendations come by. 

39. How do you deal with sudden manpower shortages in the branch?

I manage workflow issues first and shift priorities to the most urgent operational needs to support critical banking functions. I may assign the tasks temporarily to other employees or, through multi-skilled staff, resolve urgent needs. If required, I coordinate with HR to source an external temporary resource. Managing communications with the clients also aids in setting the right expectations about potential delays.

40. How do you manage high-value cash transactions to prevent fraud?

I ensure dual verification for large cash deposits or withdrawals, including identity checks, signature verification, and transaction justification. I also follow the bank’s mandatory reporting process for transactions exceeding RBI thresholds.

Axis Bank Interview Questions for Back Office

Back office functions at Axis Bank are crucial for the bank’s business operations. Although these roles do not directly involve client interaction, they are important for the smooth processing of every transaction, modification of accounts, and confirmation of compliance checks. Candidates are expected to have precision, good organisational skills, and a working knowledge of banking. 

41. What is your experience working in the current market scenario?

Right now, the market is facing the highest-ever volatility, increased adoption of digital solutions, and a high level of scrutiny from regulators. As a back office executive, my primary responsibilities included transaction reconciliation, account maintenance, and compliance verification. The primary focus was to keep pace with the tech adoption, from manual entry logs to core banking system entry and digital verification of documents. For instance, in the pandemic, I helped my branch in processing more than 200 digital KYC verifications in a week with strict adherence to compliance regulations. I was responsible for monitoring RBI circulars to incorporate workflows for moratoriums and restructured EMIs. I discovered how to succeed in a dynamic, fast-paced workplace where requirements for accuracy and strict adherence to rules never change, even when priorities do.

42. How would you contribute to developing the market?

Although a back office position lacks involvement with customers, it aids business development through smooth processes and consistent service delivery. My contribution would be:

• Allowing sales teams to quickly convert leads by accelerating account openings and product activations.
• Building customer confidence by reducing transaction errors with automated dual verification systems.
• Timely addressing process bottlenecks, like fully documenting loan files to avoid holdups with file submission, and designing better SOPs to address them.

For example, at my last bank, I developed a pre-check KYC verification list for the sales team that improved documenting accuracy by 25%, reducing the time needed to onboard customers and increasing revenue growth.

43. How do you manage tight deadlines and multitask in a high-pressure back office environment?

I depend on a systematic approach to prioritisation and adherence to processes. To begin with, I classify tasks as urgent (deadline-driven, regulatory-driven) versus important (not urgent but worth doing) prompts. I keep track of things every day on a to-do list with different levels of priority. For example, clearing the NEFT/RTGS files comes before preemptive compliance updating dormant account records. For recurring tasks, I build process templates so that I can execute them faster while retaining precision and, in doing so, maintain standards.

When I worked at my previous job, I handled cash reconciliations and loan file audits, as well as account status reporting for a quarterly close period. I submitted my tasks on time by performing the delegated work as a subprocess and grouping similar operations together.

44. Can you explain basic banking products (e.g., cheques, repayment instruments) you have processed?

In my most recent position, the cheque processing tasks that I performed most often included:

• Cheques: Verification of date, payee, signature, endorsement and MICR details. Of these, the most important were the payee and signature, as without both, the cheque could not be processed.
• Demand Drafts: Customer ID verification, receipt of payment, and details of the draft.
• NEFT/RTGS: Entering payment details in the core banking system, the beneficiary’s IFSC and account number verification, and checking whether the transaction has been made within the RBI cut-off time.
• Loan repayment through EMI: Tracking through mandates like ECS or NACH, repayment posting, and discrepancy balancing.

In order to prevent chargebacks or regulatory penalties, I managed stop payment requests, inward/outward clearing files, and made sure that every transaction complied with RBI and internal bank regulations.

45. Tell me about yourself and why you want to join the banking sector (especially in a back office role).

I completed my degree in commerce, and for over two years now, I have been working in the banking sector and affiliated areas of banking operations. I have sharp skills in the field of data handling, ensuring compliance, and streamlining processes for improved efficiency. I am specific about my attention to detail, and in the area of my work, I enjoy the financial systems, take pride in delivering meticulous work, and support the bank in serving its customers with seamless and error-free services.

The reputation of Axis Bank for its operational technology and strong governance practices is well known. As such, I am keen to fill the back office role, as I am certain it would allow me to support accuracy and compliance while boosting efficacy in processes such as transaction capturing and processing. These skills are critical for the betterment of operations and the efficacy of the customer servicing teams, working to preserve the bank’s image.

Axis Bank Interview Questions for Relationship Manager

At Axis Bank, the relationship manager is assigned the task of building and sustaining the trust of clients while supporting business growth through the delivery of customised financial services. Responsibilities of the relationship manager are geared towards the profitability and revenue growth of the bank. Each relationship manager is assigned a portfolio with a defined relationship and revenue targets, which is accomplished through cross- and up-selling to the clients within the portfolio. Success in this role relies on the blend of good knowledge of the bank with a strong sales and customer service inclination. 

46. Tell me about your profile in your last company.

As a relationship officer, I handled a portfolio of more than 180 clients, which included professionals, small and medium enterprises, as well as high-net-worth individuals (HNI) clients. My duties were as follows:

• Acquiring clients and carrying out KYC and needs-based assessments.
• Marketing and selling banking services, which included home and personal loans, insurance, and investment services.
• Performing relationship reviews every quarter to evaluate the relationship for further investment and growth.

Offering superior financial services and rigorous service level follow-ups helped me achieve priority banking conversion for 15% of my regular savings account clients within the first six months. This was my key achievement.

47. What is your long-term plan?

In the future, I want to take the wealth management specialisation, which will allow me to manage a significant client portfolio for Axis Bank. Over the next five years, I want to master investment advisory, portfolio, and corporate banking solution diversification. I think being a relationship manager is the best first step to take, as it enables one to develop strategic client management, product knowledge, and revenue generation skills vital for corporate and retail banking leadership positions.

48. What are the documents required for opening an account?

For an individual savings account, the essential documents are:

• Identity proof: Aadhaar, PAN, Passport, Voter ID, or Driving License.
• Address proof: Utility bill, rental agreement, Aadhaar, or passport.
• Photos: Recent passport-sized.
• PAN card: Necessary for most accounts, along with Form 60 when applicable.

For corporate or partnership accounts, the additional documents are the certificate of incorporation, board resolution, partnership deed, GST certificate, and KYC for the signatories of the account.

As an RM, I make sure all documents are verified for authenticity and completeness to protect the client from account activation delays.

49. Are you interested in sales?

Yes. I view sales not as pushing products but as solving customer problems through relevant financial solutions. I start by understanding the client to recommend products accordingly. One time, I saw a customer with a savings account that had high idle balances. I suggested reallocating some of the funds to a fixed deposit and a systematic investment plan, which not only improved the customer’s returns but also the bank’s cross-sell ratio. 

When done ethically and with a customer-benefit approach, sales increase trust and strengthen long-term relationships.

50. What is your understanding of banking, and how do you serve customers?

Banking involves protecting money, processing payments, offering loans, and providing investment services, all while maintaining trust and regulatory compliance. Relationship managers must focus on:

• Listen first: Understand financial needs, goals, and pain points.
• Educate: Explain available options, associated risks, and benefits simply.
• Act promptly: Ensure quick turnaround time for requests such as loan processing and updating accounts.
• Follow up: Maintain communication and satisfaction with services rendered.

For instance, with one of my onboarding clients who was a small business, I not only opened a current account for him but also suggested the use of Axis Bank bulk payment services, which reduced their transaction costs and improved their operational efficiency.

Conclusion

Effective Axis Bank interview preparations require more than just memorising answers. Understanding the bank’s culture, aligning your skills to the role, and navigating both technical and behavioural questions with confidence are important. Be it a back office role, a position as a relationship manager, or any other, the goal remains the same: product knowledge and a customer-first attitude.

While navigating through opportunities in the private banking sector, there are some options you can go with, like reviewing HDFC Bank Interview Questions and ICICI Bank Interview Questions. With the right prep, you would ace any banking interview and land the position you’ve always dreamt of.