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Aditya Birla Finance Credit Officer Interview Questions and Answers
Aditya Birla Finance Credit Officer Interview Experiences
1 interview found
Anonymous
I applied via Campus Placement and was interviewed in Jan 2024. There were 2 interview rounds.
GD was about Role of technology in NBFC
(1 Question)
- Q1. Tell me about role ? How do you assess credit worthiness?
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I applied via Referral and was interviewed before Mar 2020. There was 1 interview round.
Interview Questionnaire
4 Questions
- Q1. About financial statements analysis.
- Q2. Importance of critical thinking process in unsecured lending.
- Ans.
Critical thinking is crucial in unsecured lending as it helps in assessing the borrower's creditworthiness and mitigating risks.
Critical thinking helps in analyzing the borrower's financial history and identifying any red flags.
It enables the credit officer to make informed decisions based on the borrower's creditworthiness and ability to repay the loan.
It helps in identifying potential risks and developing strategies ...
- Q3. What are the mandatory documents for Unsecured and secured lending?
- Ans.
Mandatory documents for unsecured and secured lending.
For unsecured lending, mandatory documents include identity proof, address proof, income proof, bank statements, and credit score.
For secured lending, mandatory documents include property documents, identity proof, address proof, income proof, bank statements, and credit score.
Additional documents may be required based on the type of loan and lender's policies.
Docum...
- Q4. What are the types of property documents in Deeds?
- Ans.
There are various types of property documents in Deeds, including title deeds, sale deeds, gift deeds, mortgage deeds, lease deeds, and power of attorney deeds.
Title deeds establish ownership of the property.
Sale deeds transfer ownership from the seller to the buyer.
Gift deeds transfer ownership as a gift.
Mortgage deeds are used to secure a loan against the property.
Lease deeds establish a lease agreement between the o...
Kavya Raj
Group discussion team convinced and confident
Daily same assignment business topic my team
(1 Question)
- Q1. Any technical issue in time resolved
- Ans.
Yes, I once encountered a technical issue with our credit scoring system but resolved it by updating the software.
Identified the issue with the credit scoring system
Consulted with IT department to troubleshoot the problem
Updated the software to fix the issue
Tested the system to ensure the problem was resolved
(2 Questions)
- Q1. Work experience
- Q2. Qualification
(2 Questions)
- Q1. What is your education
- Ans.
I have a Bachelor's degree in Finance and a Master's degree in Business Administration.
Bachelor's degree in Finance
Master's degree in Business Administration
- Q2. Qualification
Interview Preparation Tips
I applied via Walk-in and was interviewed in Jun 2024. There were 2 interview rounds.
(2 Questions)
- Q1. Credit officer skills
- Q2. And about the project
(2 Questions)
- Q1. About location where u want to choose
- Q2. Self introduction
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Selected
I applied via Referral and was interviewed in Oct 2024. There was 1 interview round.
(2 Questions)
- Q1. Technical related questions
- Q2. Product related questions
Interview Preparation Tips
(2 Questions)
- Q1. Work experience discussion
- Q2. Salary exceptions
Working natur and how to do the work operations and work policy and process
Selected
I applied via Referral and was interviewed in May 2023. There were 2 interview rounds.
(2 Questions)
- Q1. What is FOIR meaning
- Ans.
FOIR stands for Fixed Obligation to Income Ratio, a measure used by lenders to assess a borrower's ability to repay a loan.
FOIR is calculated by dividing the total fixed obligations of a borrower by their gross monthly income.
Lenders use FOIR to determine if a borrower can afford the loan repayment based on their income.
For example, if a borrower has fixed obligations of $500 and a gross monthly income of $2000, the FO
- Q2. Fixed obligation income ratio
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Selected
I applied via Naukri.com and was interviewed in Nov 2024. There was 1 interview round.
(2 Questions)
- Q1. Tell me about your self
- Q2. Credit officer role in secured and unsecured landing business
Interview Preparation Tips
I applied via Walk-in and was interviewed in Mar 2022. There were 2 interview rounds.
(1 Question)
- Q1. Tell me about yourself.
- Ans.
I am an experienced Credit Officer with a strong background in financial analysis and risk assessment.
I have worked in the banking industry for over 5 years, specializing in credit analysis and loan underwriting.
I have a deep understanding of financial statements, credit scoring models, and risk management techniques.
I have successfully managed a portfolio of corporate clients, evaluating their creditworthiness and rec...
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Aditya Birla Finance Credit Officer Interview Process
based on 2 interviews
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Aditya Birla Finance Credit Officer Reviews and Ratings
based on 9 reviews
Rating in categories
|
Sales Manager
373
salaries
|  ₹3 L/yr - ₹9.6 L/yr |
|
Credit Manager
315
salaries
| ₹3.8 L/yr - ₹12.6 L/yr |
|
Relationship Manager
292
salaries
| ₹2.5 L/yr - ₹9 L/yr |
|
Area Sales Manager
163
salaries
| ₹7.5 L/yr - ₹18.3 L/yr |
|
Relationship Officer
125
salaries
| ₹2 L/yr - ₹3.8 L/yr |
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