Aditya Birla Finance Branch Credit Manager Interview Questions and Answers

Q1. Previous work experience details
Ans. 
I have 5 years of experience as a Credit Manager in a bank, overseeing branch credit operations.
• Managed a team of credit analysts and loan officers to ensure efficient credit evaluation and approval processes.

• Developed and implemented credit policies and procedures to mitigate risk and ensure compliance with regulatory requirements.

• Analyzed financial statements, credit reports, and other relevant information to assess ...read more
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Q1. Work experience details
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Q2. Current CTC how much
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I am currently earning a competitive salary based on my experience and qualifications.
• My current CTC is in line with industry standards.

• I have been receiving regular salary increments based on my performance.

• I am satisfied with my current compensation package.
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Q1. Company basic knowledge & hard work honesty
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Q2. Wher is Location previous company experience total experience
Ans. 
I have previous experience as a Credit Manager in Mumbai with a total of 5 years of experience.
• Previous company experience as a Credit Manager in Mumbai

• Total experience of 5 years

• Experience in managing credit risk, analyzing financial statements, and evaluating creditworthiness
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Q1. Past experience related
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A Online Round based on Appitude.

A Current News Related to CBDC ,Duration :- 30 mins

Q1. TAXATION , TYPES OF LOANS,ABOUT ROLE
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Q1. FAMILY BACKGROUND AND GENERAL QUESTIONS
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Q1. Financial and Mortgage
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Q2. Was good and taken on phone as video calling and found positive
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Best in the industry nd good knowing about

Q1. What is the business vintage & stability spoof & whats the reason s to reject files, business profile,banking statement, about technical report how to
Ans. 
Business vintage & stability spoof refers to the falsification of business history and financial stability to deceive lenders. Reasons to reject files include inconsistencies in business profile, banking statements, and technical reports.
• Business vintage refers to the length of time a business has been operating. Lenders look for established businesses with a proven track record.

• Stability spoof involves presenting fals...read more
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Q1. What is this CIBIL in customer
Ans. 
CIBIL is a credit information company that collects and maintains records of individuals' credit behavior.
• CIBIL stands for Credit Information Bureau (India) Limited.

• It provides credit scores and reports to lenders to help them assess the creditworthiness of potential borrowers.

• CIBIL scores range from 300 to 900, with higher scores indicating better creditworthiness.

• Lenders use CIBIL reports to make informed decisions o...read more
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Q2. What is this pramiry kyc and customer
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Primary KYC (Know Your Customer) is the initial process of verifying the identity of a customer before providing financial services.
• Primary KYC involves collecting basic information such as name, address, date of birth, and identification documents.

• It is a mandatory process for financial institutions to prevent money laundering and fraud.

• Customer due diligence is also conducted during primary KYC to assess the risk ass...read more
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Q1. Speak about cibil
Ans. 
CIBIL is a credit information company that maintains credit records of individuals and businesses.
• CIBIL stands for Credit Information Bureau (India) Limited.

• It collects and maintains credit information of individuals and businesses.

• Lenders use CIBIL reports to assess the creditworthiness of borrowers.

• A good CIBIL score (above 750) increases the chances of loan approval.

• Late payments and defaults can negatively impact C
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Q2. Tell about dpd days
Ans. 
DPD days refer to the number of days a payment is past due.
• DPD stands for Days Past Due

• It is used to measure the number of days a payment is overdue

• For example, if a payment is due on January 1st and it is paid on January 10th, the DPD would be 9 days
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