Aditya Birla Capital Credit Manager Interview Questions and Answers

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

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 that may impact the borrower's ability to repay.

• Use underwri...read more

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

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