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Aditya Birla Capital
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I applied via Approached by Company and was interviewed before Nov 2023. There were 3 interview rounds.
Logically,reasoning, maths
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...
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
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
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...
I applied via Referral and was interviewed before Jun 2022. There were 3 interview rounds.
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
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
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
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
I applied via Referral and was interviewed before Oct 2021. There were 2 interview rounds.
Top trending discussions
I applied via LinkedIn and was interviewed before Dec 2020. There was 1 interview round.
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
I was interviewed before Apr 2016.
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
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
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 ...
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...
I applied via Campus Placement and was interviewed before Jun 2020. There were 6 interview rounds.
I applied via Referral and was interviewed before Oct 2021. There were 2 interview rounds.
I applied via Recruitment Consulltant and was interviewed before Aug 2021. There were 2 interview rounds.
posted on 16 Sep 2020
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
based on 4 interviews
1 Interview rounds
based on 31 reviews
Rating in categories
Sales Manager
300
salaries
| ₹0 L/yr - ₹0 L/yr |
Relationship Manager
269
salaries
| ₹0 L/yr - ₹0 L/yr |
Assistant Manager
250
salaries
| ₹0 L/yr - ₹0 L/yr |
Manager
199
salaries
| ₹0 L/yr - ₹0 L/yr |
Relationship Officer
179
salaries
| ₹0 L/yr - ₹0 L/yr |
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