🔹 A. SELF & CAREER ORIENTED
1. Tell us about yourself.
Answer:
“I am a Scale-III Officer working in banking technology with experience in full-stack and mobile application development. I have been involved in building secure, compliant applications that support banking operations and customer services.”
2. Why do you want promotion?
Answer:
“I am ready to take higher responsibility, contribute at a broader level, and support the bank’s objectives through better decision-making and leadership.”
3. Why should we promote you?
Answer:
“I bring technical expertise, banking domain knowledge, discipline, and readiness to handle higher responsibility with accountability.”
4. Where do you see yourself in 5 years?
Answer:
“I see myself growing within the bank, handling higher responsibilities, guiding teams, and contributing to digital and operational excellence.”
5. What are your strengths?
Answer:
“My strengths are problem-solving, accountability, and the ability to work calmly under pressure.”
6. What is your weakness?
Answer:
“I tend to focus strongly on quality, but I am improving time management to balance speed and accuracy.”
🔹 B. LEADERSHIP & TEAM MANAGEMENT
7. How do you motivate your team?
Answer:
“By setting clear goals, recognizing good work, supporting learning, and leading by example.”
8. How do you handle conflicts?
Answer:
“By listening to all sides, focusing on facts and policy, and resolving issues objectively.”
9. How do you deal with underperforming staff?
Answer:
“I identify the cause, provide guidance, set expectations, and take corrective action as per rules if required.”
10. Do you believe in delegation?
Answer:
“Yes, delegation is essential, but responsibility always remains with the officer.”
🔹 C. CUSTOMER & PRESSURE HANDLING
11. How do you handle difficult customers?
Answer:
“By listening patiently, explaining clearly, and resolving issues within bank policies.”
12. How do you handle pressure?
Answer:
“I stay calm, prioritize work based on risk and urgency, and focus on solutions.”
13. How do you balance customer service and rules?
Answer:
“Customer service must always be delivered within policy; rules protect both the bank and the customer.”
🔹 D. DECISION-MAKING & ETHICS
14. How do you take decisions?
Answer:
“Based on rules, facts, risk assessment, and the bank’s interest.”
15. What if your decision goes wrong?
Answer:
“I report it promptly, correct it, and strengthen controls to prevent recurrence.”
16. What does integrity mean to you?
Answer:
“Doing the right thing at all times, especially while handling public money.”
17. What will you do if you notice wrongdoing?
Answer:
“Report it through proper channels as per bank policy.”
🔹 E. RBI & IT SECURITY
18. What is RBI Cyber Security Framework?
Answer:
“It provides guidelines to improve cyber resilience through governance, monitoring, incident response, and risk management.”
19. What is IT Governance?
Answer:
“Ensuring IT supports business objectives while managing risk, compliance, and accountability.”
20. What is DADP?
Answer:
“DADP covers Data Architecture, Data Quality, and Data Privacy to ensure accurate, secure, and compliant data handling.”
21. How do you ensure data privacy?
Answer:
“Through role-based access, least privilege, encryption, and audit trails.”
22. What is Information Security Policy?
Answer:
“It defines rules for protecting information assets and is reviewed periodically.”
23. What is Change Management?
Answer:
“A controlled process to approve, test, document, and implement system changes safely.”
24. What is IS Audit?
Answer:
“It checks security, compliance, reliability, and effectiveness of IT systems.”
25. What is BCP and DR?
Answer:
“BCP ensures business continuity; DR focuses on IT system restoration.”
26. What is Vendor Risk Management?
Answer:
“Managing risks arising from third-party vendors through due diligence and controls.”
🔹 F. TECH BEST PRACTICES & UI/UX
27. Best practices in banking application development?
Answer:
“Secure coding, validation, documentation, testing, and compliance.”
28. Your approach to UI/UX in banking apps?
Answer:
“Simple, clear, consistent, and user-friendly design.”
29. Why is simplicity important in UI?
Answer:
“It reduces errors, improves usability, and builds customer trust.”
30. How do you ensure applications are audit-ready?
Answer:
“Through documentation, logging, approvals, and compliance checks.”
🔹 G. FINAL & CLOSING QUESTIONS
31. What challenges do you see in the new role?
Answer:
“Higher responsibility, coordination, and ensuring compliance while supporting innovation.”
32. How do you stay updated on policies?
Answer:
“By following RBI circulars, internal guidelines, and attending trainings.”
33. Any final words?
Answer:
“I am committed to the bank’s values and ready to take higher responsibility with discipline and integrity.”
🏆 GOLDEN RULES FOR PSB PROMOTION INTERVIEW
- Speak calmly
- Keep answers short
- Emphasize rules, risk, responsibility, integrity
- Never criticize policy or management
- Never mention salary or entitlement