How To Answer the Banking Interview Question

We had to update an Individual post for this question because its the most obvious and important question of Banking Interviewers which decides the fate of the Aspirant. Unfortunately most of us are unable to give the convincing answer for this question. Believe it or not friends, this question represents the FEAR of the Interviewer. The FEAR of Losing you after spending some thousands of bucks on you to recruit you and train you.

Yep... lets see the problem from the Bank's point of view. As you might have known, in the year 2009  a huge recession has hit the Software Industry. So, there were no jobs for IT Professionals. A Nationalized Bank which has its origion in South India has published its notification for recruitment of Clerks. Our Jobless IT Professionals wrote this exam and obviously got selected for the posts. By the year 2010 they got appointment orders from the bank. And at the same time the recession got lessen and almost all of them got jobs in Software field. So all these aspirants left their bank jobs (without even joining them) and settled in Software Field. There were almost 812 Candidates who left the bank at the same time. Bank spent approx 20k per candidate (from the date of interview to his training). Now just imagine the Bank's Situation!!!
Now lets discuss the problem in our point of you. Just keep in mind that Banks don't like to hire overqualified people because they won't stay around long. So you just have to make them believe that you never gonna leave the Bank till the dooms day. Just admit that you are over qualified (no need to hide anything, ofcourse you cant), but also emphasis the positive side of your qualification. For example you can answer like this, "Ofcourse Sir, I am overqualified in some ways.  But that doesn't means I am not suitable for Banking. I have more technical knowledge and patience that is required for Banking. I feel that I have much to learn in the area of banking, and I know it will keep me challenged . Ofcourse I can choose the job of my qualification, but I found Banking is an interesting area where I can get Job Satisfaction and Job Security as well". 

Note : If you have less percentage in your Graduation / Post Graduation, then don't hesitate. Just show them your Less Percentage as a reason for joining in Banks. It may sound stupid. But trust us... Its really gonna work. They will surely feel that you never gonna leave Bank (because you don't have any other option). You can start your answer as "Due to my less percentage, I couldn't get satisfactory job of my area. Then one of my uncle told me about  the opportunities in banking. Then I came to know that This is the ONLY area where I can get job satisfaction as well as job security with my LESS PERCENTAGE". Now they will leave the main question and will ask you about the reason behind the less percentage. Just make a convincing answer for this... Problem Solved ;)

That's all for now friends. Hope it helps.... Feel free to use the Comments Box below if you have any queries and comments. All The Best