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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
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
(1 Question)
- Q1. About past experience and education
Credit Manager Interview Questions & Answers
Cholamandalam Investment & Finance
Anonymous
posted on 1 Apr 2024
Selected
I applied via Company Website and was interviewed in Oct 2023. There were 4 interview rounds.
(1 Question)
- Q1. Basic question related to resume
(2 Questions)
- Q1. Interviewed by RCM
- Q2. Questions were majorly related to financial, products and mortgage
(2 Questions)
- Q1. Interviewed by ZCM
- Q2. Questions were related to Mortgages, Legal, Margin, LTV processing and team handling
(1 Question)
- Q1. Last round from senior HR, it was personality or behavioural test or kind of psychological. But was very interesting
Interview Preparation Tips
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
I applied via Recruitment Consulltant and was interviewed in Nov 2022. There was 1 interview round.
(2 Questions)
- Q1. Scenario based
- Q2. How to manage sales pressure and Team management
- Ans.
Sales pressure can be managed by setting realistic targets, providing support to the team, and fostering a positive work environment.
Set realistic sales targets based on market trends and team capabilities
Provide regular training and support to help the team meet their targets
Create a positive work environment by recognizing and rewarding achievements
Encourage open communication and feedback to address any issues or co...
Interview Preparation Tips
Credit Manager Interview Questions & Answers
Cholamandalam Investment & Finance
Anonymous
posted on 21 Oct 2023
Selected
I applied via Approached by Company and was interviewed in Sep 2023. There were 3 interview rounds.
(1 Question)
- Q1. About underwriting norms and financial ratio related questions, legal technical related questions
(1 Question)
- Q1. Basics norms of work profile & why change the job change...?
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
Shubham Kumar
I applied via Naukri.com and was interviewed in May 2022. There were 4 interview rounds.
(1 Question)
- Q1. All about Credit Analysis and financial.
(1 Question)
- Q1. About team management and work profile.
(1 Question)
- Q1. HR round and some questions about credit analysis and financial knowledge.
Interview Preparation Tips
- Credit Appraisal
- Financial Analysis
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 31 reviews
Rating in categories
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Sales Manager
304
salaries
|  ₹1.9 L/yr - ₹10 L/yr |
|
Relationship Manager
280
salaries
| ₹2 L/yr - ₹7.9 L/yr |
|
Assistant Manager
252
salaries
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Relationship Officer
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