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January 03, 2013

How To Answer the Banking Interview Question "Aren't You Over Qualified for this Job / Position ?"

60 comments

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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

Read Complete Banking Interview Tips and Tricks Here

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60 comments:

  1. Innovative article with the coat of your trade mark humor... Jst loved it. Expecting more from you like this. God Bless

    Palvi

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  2. fantastic post.....hats off........

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  3. Please provide LIC ADO MATERIALS

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  4. Hi i have sbh interview on feb 8 th in hyderabad..any info about how many posts?and how many candidates called and for how many days interviews are going on in ap?

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    Replies
    1. Bank doesnt reveal any information till the final selection friend

      All The Best

      Delete
  5. I am BTech in IT and I have appeared theIBPS Clerk-2. one of my friend appeared in AXIS Bank interview and the first question he was asked was Having done Btech in It why he want to join a bank as a clerk?If same question is asked to me how should I answer this?

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    Replies
    1. AXIS bank is a private sector bank friend. So you cant make a convincing answer for this question. But in your case, you have a strong reason i.e., JOB SECURITY... You can mention this as your point...

      Delete
  6. how can we answer the question for ''why you got less percentage in graduation

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    1. You may say something like You had some health problems and unable to concetrate Sudha.. But the best thing is to give them the frank answer.

      My brother faced this question at the time of Interview and his answer was something like "Its due to my negligence at that time... Later realized it, but unfortunately I was unable to rectify my mistake... So I worked hard and the result, I'm infront of you giving Interview.......", Now hez working as a Po in Bank of Baroda

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    2. ooow superb answer.........

      Delete
  7. Gr8 post.. really helpful for facing intrviews. Will look forward to more posts like this.. :)

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  8. And whats d answer i should give if i both overqualified and also have good percentage then how i convince them ??

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    Replies
    1. We've discussed it Antriksh. Reread the third paragraph of above post.

      Delete
  9. i am visiting this site 1st time and geting gr8 knowledge and experience ...gr8 work thank u all

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  10. mam,i am frm keral & i dnt know to read & write my regional language....now am shrtlisted for sbt clrk interview frm kerala....is it necessary to know reginal language for interview & wht should i rply if am asked abt it?

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    Replies
    1. Well, no need to be afraid Reji.. They never gonna ask you to read or write in Regional Language. But they will ask questions in Regional Language.. so you have to communicate with them in the same language... Better don't say you can't read and write unless they ask... Coz it may make -ve remark on you...

      All The Best...

      Delete
  11. Thanks4 this tip. I want 2 ask wat will b the appropriate answer for question "Were u placed in campus placement ?" Like 4 me; i m selected in Tcs & my joining is on 25 march; If i say no for this ques then they will surely not believe in my capability (as i hv vry gud academics).. Nd if i say yes,i m recruited in Tcs; then they wont gonna recruit me !!... Plz help wat to do ?

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    Replies
    1. Well, the first thing is.. its not a Software Job.. and the banks are not recruiting you based on your Technical Skills... So better say them NO... You can convince them later by saying that you are Interested in Banking area so you dint attend any Campus Interview...

      BTW which post you are applying for?
      For Pos its ok.. but for Clerks, leaving a job in TCS is not advisable... Better re think about it..

      All The Best

      Delete
    2. Hey Shiv, Thank you for your info.Actually even iam facing a kind of situation that was discussed here.Actually i have been working in a reputed IT company for past 1.2 years.I have been short listed for SBI Associates clerk.As of now i dont find much time to prepare for PO exams.As you know competition is increasing day by day and also the standard of PO exam will be high.So iam planning to quit my current job and join as a clerk in SBI Associates,if iam selected and planning to prepare for upcoming SBI PO.Is that a good decision?What i thought was i will be able to prepare well then as well as i would have gained some 4 to 6 months experience as a clerk by the time i get selected.Can you please give your suggestion?

      Delete
    3. Well, I donno whether I can talk like this or not... But as you asked me for suggestion I am saying this...
      You have been working in an reputed IT company since 2 years.. that means you might have been drawing minimum 30k per month. Now you are planning to leave that job for the sake of PO.... Well the problem is SBI is unpredictable.... Your score depends on the performance of you and your mindset at the time of the exam. You may get some unpredictable problems at that time and chances are there for you not doing good in the exam (hey, i'm not discouraging you here... just trying to analyze the situation from another side. So can you wait for another 2 years even if you lost one chance? (will your age support you to write two more exams?), are you willing to work as a clerk even you cant make it to PO? please ask these questions yourself...

      If your target is PO and not Clerks, better dont leave the job... Try to manage the time and prepare... So that there wont be any regrets in future..

      all the best

      Delete
    4. Hello Shiv... I did B.tech in EC in 2010. I got a job in a software cmpny in 2011 and worked there for 1.5 years. After that I m preparing for banking for 1.5 years. I have an interview of PO. So i wanna ask that what type of questions they will ask from me... I m not in touch with Electronics for 3 years. But now i have become well versed in banking. So plz tell what should i do ?????

      Delete
  12. really great site for preparation for banking exam and other exam.... & thank you....

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  13. Mam,
    I want to be PO. But if the interviewer asks, if u get a po job will you leave?
    What shall i do?

    ReplyDelete
    Replies
    1. Typical question Krishna... Unfortunately now a days banks are fearing to hire graduates for clerical posts with this very same reason. Because no graduate (especially technical)want to end his career as a clerk. Better tell them that Better tell them that you tried it for 2 or 3 times but couldn't get so you have decided to join as a clerk and work hard so that you can reach PO in coming 4 to 5 years (ofcourse its not true.. but convincing).

      hope it helps

      All the best

      Delete
    2. Hi mam I m preparing for ibps rrb clerk interview if the interviewer asks why u not go for ibps clerk ? What shall I do?

      Delete
  14. Hi admin, Good Evening... Thanks for all the help you are providing to help us achieve success... But I faced problem while answering a particular question during a RRB PO Interview.. The Question was : "You are a B.Tech Mechanical Engineering, and presently pursuing M.Tech in Metallurgical Engineering..that too from one of the most reputed universities of the country... You will get much better opportunities after completing your M.Tech... So why Banking...?? Also How will ur qualification help the bank...?? "

    I was expecting this question but I was not able to prepare a satisfactory answer to this question... What I had said was "Since my father is now retired for over 3years, I am in urgent need of a job, and when I saw that any graduate can apply, I applied for the job."
    I felt that though my interview went well ( as I was able to answer almost all the other questions)my answer to this particular question did not satisfy the interviewers, so I was not selected.

    Please kindly suggest a good, satisfactory answer to this question.

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    Replies
    1. Just think once Swarnadip. YOu have a small stationary shop and you are conducting interview to the post of Salesman. Here your requirements are not only good looking, talkative but also the person SHOULD work with you for long time. Will you select an MCA graduate who is in urgent need of Job? NO, because CHANCES are there for him to LEAVE your shop if he gets better job. The same thing happened in your situation too.

      They might thought that you are joining with them because you are in Urgent need of a job and you will leave them if you get any better job.

      So in these type of situations you should make them believe that You never gonna leave them at any cost. Using words like "Dream Job", "Job satisfaction" may do the trick.

      All the best :)

      Delete
    2. you have to make them believe that u and your B.tech and M.tech engg is beneficial for them. u have to say that "this engg had given u a good communication skill, so this will be beneficial for us to interact with the customer for good output, and also I am a engg student so I have the ability to solve some technical problems."

      Delete
  15. Quoting abt less percentage - y do u hav to throw mud on ur self. instead u can highlight positive points. when u quote abt low marks, wont the bank people question, so u r nt capable of getting a job in other domains? no way u can call urself incapable.

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  16. Hello Shiv...I did B.tech(Electronic & communication) in 2010. After that I worked in a software company(Jaipur) for 1.5 years. I chose banking sector in september, 2012. After choosing banking sector(as my Aim) i have made good progress. But I am not in touch with Electronic(in Which i did my graduation) for 3 years.. now i m well versed in banking and feel confident in banking. Now I have an interview in Bank PO on 8th January. So i wanna ask you am i going in right direction? n how should i prepare my Interview?

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  17. Hi mam I m preparing for ibps rrb clerk interview if the interviewer asks why u not go for ibps clerk ? What shall I do?

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  18. Thanx a lot ,i was always confusing of my less percentage aand i could not get dis ans from any where that how much it will go to affect my job.what can i do wid dis poor grades,now i am little bit relaxed.

    bishnupriya

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  19. hi mam ths is sreeja.. i hav cleared ibps clerk xam from kerala..thnx for all your notes mam thnx a looooot.. im btch in biotechnology(2012) passed out. i dint get a job in my field and since i want to get secured i choose banking.. in interview they will ask why biotech and then banking and also abt the gap..and even my qualification doesnt help in bankin field... hope mam u can give me some convincing answer.. please reply

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  20. Hi mam selected for rrb clerk interview if they ask why u not go for ibps clerk ?
    How to convince them

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  21. Hi mam selected for rrb clerk interview if they ask why u not go for ibps clerk ?
    How to convince them

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  22. thank u admin to help us...
    i have one question and being true i m afraid of it.. i m an MBA...should i hide my qualification by showing the documents of graduation only. i got selected in ibps clerk 2013 exam.

    ReplyDelete
  23. Thank you Admin for helping us...
    I have a question and being true I am afraid of it. I am an MBA and got selected in IBPS-Clerk 2013. My question is should I hide my qualification by showing them my graduation documents only.

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  24. Mam can u tell me which documents required at the time of verification

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  25. I'm a postgraduate and was not able to get satisfying job n have decided to change my biology field. In po exam i failed, now i've cleared clerk exam n i'm terrified what if they ask me why being a post graduate u want to join as a clerk!!! but from my side, i'm all set to enter and explore myself into banking industries. How could I give them an answer?? Can I convince them???

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  26. I'm M.Sc student with good grades

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  27. i got clerk III exam mark 81 in OBC is it possible to get job in this year allotment

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  28. Is it possible to get job allotment in this year at OBC- 81 marks of clerk III,

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  29. excellent work....thnx a lot

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  30. Hi admin,
    I have done MCA and currently working in a IT Firm since July 2011. I have attended PO exam but not get qualified . But I have cleared IBPS Clerk III in first attempt. I was not able to crack Po exam due to workload and lack of time. Please suggest me will I join the bank clerk job as I want a secure job. I will prepare for PO during my clerk job.
    Please advise me on above.
    Thanks.

    ReplyDelete
  31. hi sir/mam,
    i have ibps clerk interview lined up in feb 2014. i am mtech and have 4 yrs of teaching experience. i am at home since 2 yrs because of my small baby. So, i really need ur help regarding this question as i am overqualified as well as having experience since i want to join as a clerk. Please give me some suitable answers and my %age in mtech is 65. i have cleared ibps clerkiii in first attempt , i have not given a po exam.

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  32. sir am a high percentage scorer.what would i say if they ask me about overqualification?

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  33. Hi admin,
    am a 90% scorer.will it b an obstacle,if they ask me about overqualified?

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  34. Hi admin, i m going to appear in clerk lll interview. i have worked for a private sector bank for abt 8 months. last month i left the job due to excess sales pressure. i have mentioned abt the internship certificate in that bank as a extra qualification in the ibps application form. now, should i mention in the interview that i have worked in a bank? but i think it will put a negative imprssion upon me as i left it due to excess pressure. is it good if i not mention abt my experience or what should i reply if they asked why did you left the bank? plz give me a accurate ans.. if somebody go through this situation plz tell how you have faced it?

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  35. hii, i have done my B tech in EC and MBA in Mraketing and HR . I have cleared IBPS Clerk 3.Please suggest me an answer for their question about over qualification..

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  36. hi admin,
    im goin to face city union bank interview since i have faced many campus interview i didnt even pass the wriitten exam...im studying my final semester so they know that i have attended many campus interview..if they ask me that were you placed in campus interviews? wat should i tell them since i havent placed ?
    NOTE: i have attended only IT company

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  37. sir,i have good marks in pg...i have the ibps clerk3 interview next week...wt should be my answer if dey r askng are you over qualified???

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  38. how to ans for the qn"why u join banking after technical degree(b.tech)

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  39. how to ans for the qn"why u choose banks after b.tech?

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  40. very nice thank u friends

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  41. Thank u for guide me for interview training. Fantastic articles written by u...

    ReplyDelete

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