Q2 Answer - Yes I did MSc (Chemistry). But later on I got to know that it's (MSc) not my cup of tea. And my life funda is - "Look for a solution instead of pointing fingers at others and be honest. Accept the truth, makes necessary changes and move on." So I started applying for Banking job. I know I am over qualified but you (employer) are also getting over qualified candidate. So I will work better than others, so hire me.

Q3 Answer - My resume and skills set speak for themselves. I have a consistent academic career and I fulfill all your academic requirement. I'd love to work for this company for my future prospects and for the growth of the company as well. You should hire me because I am confident and competent and I can work independently under a minimal supervision. Also, I am a good team player with the ability to collaborate with colleagues.