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Aditya Birla Capital
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Aditya Birla Capital Credit Manager Interview Questions, Process, and Tips
Top Aditya Birla Capital Credit Manager Interview Questions and Answers
- Q1. What points do you look in PD with customer on business location
- Q2. What are components for P&L and balance sheet?
- Q3. How to verify salaried customer employment
Aditya Birla Capital Credit Manager Interview Experiences
3 interviews found
Anonymous
Selected
I applied via Approached by Company and was interviewed before Nov 2023. There were 3 interview rounds.
Logically,reasoning, maths
(4 Questions)
- Q1. How to underwriting the case
- Ans.
Underwriting a case involves assessing the creditworthiness of a borrower to determine the risk involved in lending to them.
Gather all necessary financial information from the borrower, such as income, assets, debts, and credit history.
Analyze the information to determine the borrower's ability to repay the loan and their likelihood of default.
Consider external factors such as economic conditions and industry trends th...
- Q2. How to CIBIL check
- Ans.
To check CIBIL score, request a report from CIBIL website or through a bank.
Request a CIBIL report from the official CIBIL website
Some banks offer free CIBIL score check for their customers
Review the report for any discrepancies or errors
- Q3. How to decision making fast
- Ans.
To make fast decisions, prioritize tasks, gather relevant information, set deadlines, trust your instincts, and seek input from others.
Prioritize tasks based on urgency and importance
Gather all relevant information quickly
Set deadlines for decision-making to avoid procrastination
Trust your instincts and past experiences
Seek input from colleagues or experts for different perspectives
- Q4. How manage sales team
- Ans.
Sales team can be managed by setting clear goals, providing training and support, monitoring performance, and fostering a positive team culture.
Set clear goals and expectations for the sales team to work towards.
Provide ongoing training and support to help team members improve their skills.
Monitor performance regularly and provide feedback to help team members reach their targets.
Foster a positive team culture by encou...
(2 Questions)
- Q1. Documentation of job
- Q2. Negotiations of salary
Interview Preparation Tips
Selected
I applied via Referral and was interviewed before Jun 2022. There were 3 interview rounds.
(3 Questions)
- Q1. What points do you look in PD with customer on business location
- Ans.
Points to consider in PD with customer on business location
Assess the stability and reputation of the business location
Evaluate the accessibility and visibility of the location
Consider the potential impact of the location on customer traffic and sales
Review any past credit history associated with the location
- Q2. What are components for P&L and balance sheet?
- Ans.
Components of P&L include revenue, expenses, and net income. Components of balance sheet include assets, liabilities, and equity.
P&L components: revenue, expenses, net income
Balance sheet components: assets, liabilities, equity
Examples: Revenue - sales income, Expenses - salaries, Net income - profit, Assets - cash, Liabilities - loans, Equity - retained earnings
- Q3. How to verify salaried customer employment
- Ans.
Verify employment by requesting pay stubs, contacting HR, or using employment verification services.
Request pay stubs from the customer to verify employment and income
Contact the customer's HR department to confirm employment status
Use employment verification services like The Work Number or Equifax to validate employment information
(2 Questions)
- Q1. Preferred Location
- Ans.
I am open to any location that offers growth opportunities and a good work-life balance.
Open to relocation for the right opportunity
Prefer locations with good work-life balance
Interested in areas with potential for career growth
- Q2. Why you want to work with Aditya Birla Company ? What do you know about company?
I applied via Referral and was interviewed before Oct 2021. There were 2 interview rounds.
(2 Questions)
- Q1. Question on work done in last organisation
- Q2. Question relating to Cibil report
Interview Preparation Tips
- Cibil
- Credit Appraisal
- Credit Risk
- Bank Reconciliation
Top trending discussions
Interview questions from similar companies
I applied via LinkedIn and was interviewed in Sep 2021. There was 1 interview round.
Interview Questionnaire
1 Question
- Q1. Previous work experience asked at tge time of interview.
Interview Preparation Tips
Selected
I applied via Referral and was interviewed before Apr 2023. There were 3 interview rounds.
Case study preparation on any listed company of your choice
(2 Questions)
- Q1. Questions on case study
- Q2. Ratios and their importance
- Ans.
Ratios are key financial metrics used to evaluate a company's performance and financial health.
Ratios help in analyzing the efficiency, profitability, and liquidity of a company.
Common ratios include debt-to-equity ratio, current ratio, and return on equity.
They provide insights into how well a company is utilizing its resources and managing its finances.
Ratios are compared to industry benchmarks or historical data to ...
(1 Question)
- Q1. Negotiation on salary
I applied via Referral and was interviewed in Feb 2022. There were 2 interview rounds.
(2 Questions)
- Q1. Different financial terms such as RTGS, CIBIL, ECS, NACH, FOIR and etc
- Ans.
These are various financial terms used in banking and credit management.
RTGS (Real Time Gross Settlement) is a system used for fund transfers between banks in real-time.
CIBIL (Credit Information Bureau India Limited) is a credit information company that maintains credit records of individuals and companies.
ECS (Electronic Clearing Service) is a system used for electronic fund transfers between banks.
NACH (National Auto...
- Q2. Are you satisfied with given work location or not
Interview Preparation Tips
Selected
I applied via LinkedIn and was interviewed in Jul 2024. There was 1 interview round.
(1 Question)
- Q1. Can you provide an introduction about yourself and your work experience?
Interview Preparation Tips
Pramila Kantipudi
Selected
I appeared for an interview in Jan 2025.
(2 Questions)
- Q1. Can you provide details about your previous experience?
- Ans.
I have over 5 years of experience in credit management, including analyzing credit reports, setting credit limits, and managing collections.
Analyzed credit reports to assess creditworthiness of customers
Set credit limits based on risk assessment
Managed collections process to ensure timely payments
Implemented credit policies and procedures to minimize risk
- Q2. What do you know about personal loans?
- Ans.
Personal loans are unsecured loans provided by financial institutions to individuals for various purposes.
Personal loans are unsecured, meaning they do not require collateral.
They can be used for various purposes such as debt consolidation, home improvement, or unexpected expenses.
Interest rates on personal loans can vary based on the borrower's credit score and financial history.
Repayment terms for personal loans are ...
Selected
I applied via Naukri.com and was interviewed in Apr 2023. There were 5 interview rounds.
An online assesment will be taken wherein scenario based MCQ will be available
(4 Questions)
- Q1. Brief introduction
- Q2. Reasons for switching
- Ans.
Seeking new challenges and growth opportunities in a different company.
Desire for career advancement
Interest in exploring new industries or sectors
Seeking better work-life balance
Company restructuring or downsizing
Relocation to a different city or country
- Q3. Current and expected ctc
- Q4. Preferred job location
(4 Questions)
- Q1. Questions related to your domain experience
- Q2. Application know how
- Q3. Improvement Ideas and projects shared in the previous organisations
- Q4. Why do you want to switch
(3 Questions)
- Q1. Reason for switching
- Ans.
Seeking new challenges and growth opportunities in a larger organization.
Desire for career advancement
Opportunity to work with a larger team
Seeking new challenges
Interest in exploring different industries
- Q2. Appreciations recieved if any
- Ans.
Received multiple appreciations from clients for resolving credit issues promptly and effectively.
Implemented new credit evaluation process resulting in faster approvals
Negotiated payment plans with delinquent customers to prevent further credit issues
Provided training to team members on credit management best practices
Received 'Employee of the Month' award for exceptional performance in credit management
- Q3. Scenario based questions focussed on how you would act in a certain situation
Interview Preparation Tips
(1 Question)
- Q1. About past experience and education
Aditya Birla Capital Interview FAQs
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Aditya Birla Capital Credit Manager Interview Process
based on 4 interviews
1 Interview rounds
- One-on-one Round
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Aditya Birla Capital Credit Manager Reviews and Ratings
based on 32 reviews
Rating in categories
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Sales Manager
322
salaries
|  ₹1.9 L/yr - ₹10 L/yr |
|
Relationship Manager
278
salaries
| ₹2 L/yr - ₹9 L/yr |
|
Assistant Manager
259
salaries
| ₹2.2 L/yr - ₹8 L/yr |
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