Teller

About the Role

This job posting is for a Teller role at IndusInd Bank, seeking candidates with 0-3 years of experience. The position is full-time and located in Bangalore. Salary details are not disclosed.

What You Should Know

• •CASA (Current Account Savings Account) balances and why they're a bank's cheapest source of funds
• •Net Interest Margin (NIM) - the spread between interest earned on loans and interest paid on deposits
• •Priority Sector Lending (PSL) targets set by RBI
• •Cross-sell and wallet share - why banks push you toward multiple products, not just one
• •KYC basics as they apply to account opening and ongoing relationship banking

Interview Questions

1. 1.Walk me through how you'd onboard and cross-sell to a new-to-bank customer.
2. 2.What's the difference between CASA and term deposits, and why do banks prioritize CASA?
3. 3.How would you handle a high-value customer threatening to move their relationship to a competitor?
4. 4.What KYC documents are mandatory for opening a current account for a proprietorship?
5. 5.How do you read a customer's banking needs beyond what they explicitly ask for?

Scenario-Based Questions

1. 1.A long-standing SME customer wants their working capital limit increased, but their last two quarters show declining revenue. What do you do?
2. 2.A customer wants to close their account after a bad service experience. Talk me through your recovery conversation.
3. 3.Your branch is behind target for the quarter with 5 days left. How do you prioritize your last-mile push?

Interview Tips

• •Know the specific products (savings variants, FDs, current account tiers) of the bank you're interviewing with - memorize 3-4 headline features.
• •Be ready to talk numbers: portfolio size, wallet share %, target achievement % - bankers respond to quantified answers.
• •Understand the bank's target segment (mass, mass-affluent, HNI, SME) and tailor your pitch accordingly.