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Aditya Birla Capital Credit Manager Interview Questions, Process, and Tips

Updated 15 Nov 2024

Top Aditya Birla Capital Credit Manager Interview Questions and Answers

View all 7 questions

Aditya Birla Capital Credit Manager Interview Experiences

3 interviews found

Interview experience
5
Excellent
Difficulty level
Moderate
Process Duration
2-4 weeks
Result
Selected Selected

I applied via Approached by Company and was interviewed before Nov 2023. There were 3 interview rounds.

Round 1 - Aptitude Test 

Logically,reasoning, maths

Round 2 - One-on-one 

(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...

  • Answered by AI
  • 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

  • Answered by AI
  • 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

  • Answered by AI
  • 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...

  • Answered by AI
Round 3 - HR 

(2 Questions)

  • Q1. Documentation of job
  • Q2. Negotiations of salary

Interview Preparation Tips

Interview preparation tips for other job seekers - Everything ok
Interview experience
4
Good
Difficulty level
Easy
Process Duration
Less than 2 weeks
Result
Selected Selected

I applied via Referral and was interviewed before Jun 2022. There were 3 interview rounds.

Round 1 - Resume Shortlist 
Pro Tip by AmbitionBox:
Keep your resume crisp and to the point. A recruiter looks at your resume for an average of 6 seconds, make sure to leave the best impression.
View all Resume tips
Round 2 - One-on-one 

(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

  • Answered by AI
  • 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

  • Answered by AI
  • 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

  • Answered by AI
Round 3 - HR 

(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

  • Answered by AI
  • Q2. Why you want to work with Aditya Birla Company ? What do you know about company?

Credit Manager Interview Questions Asked at Other Companies

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Q1. If a client comes to take a loan & he haven't got any type of ... read more
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Q2. What are the most important ratios to analyse the balance sheet a ... read more
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Q3. A client comes & he wants a big loan to fund his long-term pr ... read more
asked in ICICI Bank
Q4. Which clauses are important in 3CD while sanctioning loan
asked in ICICI Bank
Q5. What are the key skills of credit manager?

I applied via Referral and was interviewed before Oct 2021. There were 2 interview rounds.

Round 1 - Resume Shortlist 
Pro Tip by AmbitionBox:
Keep your resume crisp and to the point. A recruiter looks at your resume for an average of 6 seconds, make sure to leave the best impression.
View all Resume tips
Round 2 - One-on-one 

(2 Questions)

  • Q1. Question on work done in last organisation
  • Q2. Question relating to Cibil report

Interview Preparation Tips

Topics to prepare for Aditya Birla Capital Credit Manager interview:
  • Cibil
  • Credit Appraisal
  • Credit Risk
  • Bank Reconciliation
Interview preparation tips for other job seekers - Be clear on your answers, be confident, be ready to learn,

Interview questions from similar companies

I applied via LinkedIn and was interviewed before Dec 2020. There was 1 interview round.

Interview Questionnaire 

1 Question

  • Q1. If someone approaches you with a loan application then how would you decide whether to lend or not?
  • Ans. 

    I would assess the applicant's creditworthiness based on their credit history, income, and debt-to-income ratio.

    • Check the applicant's credit score and credit report

    • Verify their income and employment status

    • Calculate their debt-to-income ratio

    • Consider any past delinquencies or bankruptcies

    • Assess the purpose of the loan and the likelihood of repayment

    • Review any collateral offered as security

  • Answered by AI

Interview Preparation Tips

Interview preparation tips for other job seekers - averagely easy because generally, they are more willing for the candidate to join the company than the candidate.
If anybody knows the cons of working in the Indian private sector banks then he will never join or will not fall into the trap of a lucrative salary. Because the exit options from such roles are not good.

I was interviewed before Apr 2016.

Interview Questionnaire 

5 Questions

  • Q1. Which clauses are important in 3CD while sanctioning loan
  • Ans. 

    Important clauses in 3CD for loan sanctioning

    • Clause 4 - Purpose of loan

    • Clause 5 - Amount of loan

    • Clause 6 - Repayment terms

    • Clause 7 - Security for loan

    • Clause 8 - Interest rate

    • Clause 9 - Default and consequences

  • Answered by AI
  • Q2. Tell me profit and loss ratios
  • Ans. 

    Profit and loss ratios are financial metrics used to assess the profitability of a company.

    • Profit ratio measures the percentage of profit earned on sales.

    • Gross profit ratio is calculated by dividing gross profit by net sales.

    • Net profit ratio indicates the percentage of net profit earned on sales.

    • Operating profit ratio measures the profitability of core operations.

    • Return on investment (ROI) is a common profitability rat

  • Answered by AI
  • Q3. Balance sheet ratios
  • Q4. Diffrence between concurrent audit and statutory audit
  • Ans. 

    Concurrent audit is conducted during the course of business operations, while statutory audit is conducted at the end of the financial year.

    • Concurrent audit is performed concurrently with the operations of the organization.

    • Statutory audit is conducted to ensure compliance with legal and regulatory requirements.

    • Concurrent audit helps in detecting and preventing frauds and errors in real-time.

    • Statutory audit provides an ...

  • Answered by AI
  • Q5. If someone is earning less than EMI should he take a loan or not
  • Ans. 

    No, someone earning less than EMI should not take a loan.

    • Taking a loan when earning less than the EMI can lead to financial strain and difficulty in repayment.

    • It is important to have a stable income that can comfortably cover the loan repayment.

    • If someone is already struggling to meet their financial obligations, taking on additional debt can worsen their situation.

    • It is advisable to explore alternative options such as...

  • Answered by AI

Interview Preparation Tips

College Name: ICAI

I applied via Campus Placement and was interviewed before Jun 2020. There were 6 interview rounds.

Interview Questionnaire 

1 Question

  • Q1. All financial ratios

Interview Preparation Tips

Interview preparation tips for other job seekers - Be confident and have good financial knowledge

I applied via Referral and was interviewed before Oct 2021. There were 2 interview rounds.

Round 1 - Resume Shortlist 
Pro Tip by AmbitionBox:
Keep your resume crisp and to the point. A recruiter looks at your resume for an average of 6 seconds, make sure to leave the best impression.
View all Resume tips
Round 2 - HR 

Interview Preparation Tips

Interview preparation tips for other job seekers - be thorough with ratios and processes. Have knowledge on financial analysis

I applied via Recruitment Consulltant and was interviewed before Aug 2021. There were 2 interview rounds.

Round 1 - Resume Shortlist 
Pro Tip by AmbitionBox:
Keep your resume crisp and to the point. A recruiter looks at your resume for an average of 6 seconds, make sure to leave the best impression.
View all Resume tips
Round 2 - Technical 

(1 Question)

  • Q1. Ratios and financial statement analysis etc

Interview Preparation Tips

Interview preparation tips for other job seekers - Ratios and analyzing of Financial statements are important

Interview Questionnaire 

3 Questions

  • Q1. Previous Job experience
  • Ans. 

    I have 5 years of experience as a Credit Manager at XYZ Company.

    • Managed credit risk assessment for new and existing clients

    • Analyzed financial statements and credit reports to determine creditworthiness

    • Negotiated payment terms and conditions with clients

    • Implemented credit policies and procedures to minimize risk

    • Collaborated with sales and finance teams to optimize credit decisions

  • Answered by AI
  • Q2. Work related questions, e.g how to verify debtors from banking
  • Q3. Future goals

Interview Questionnaire 

1 Question

  • Q1. Product knowledge, FINANCIAL formulas, Market experience
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Aditya Birla Capital Interview FAQs

How many rounds are there in Aditya Birla Capital Credit Manager interview?
Aditya Birla Capital interview process usually has 2-3 rounds. The most common rounds in the Aditya Birla Capital interview process are One-on-one Round, Resume Shortlist and HR.
What are the top questions asked in Aditya Birla Capital Credit Manager interview?

Some of the top questions asked at the Aditya Birla Capital Credit Manager interview -

  1. What points do you look in PD with customer on business locat...read more
  2. What are components for P&L and balance she...read more
  3. How to verify salaried customer employm...read more

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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 Salary
based on 159 salaries
₹4 L/yr - ₹10.8 L/yr
At par with the average Credit Manager Salary in India
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Aditya Birla Capital Credit Manager Reviews and Ratings

based on 31 reviews

3.9/5

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3.6

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3.3

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3.5

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3.6

Job security

3.6

Company culture

3.1

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3.5

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