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Alfanar Credit Manager Interview Questions and Answers

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I applied via Approached by Company and was interviewed in Jan 2022. 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 tips
Round 2 - One-on-one 

(5 Questions)

  • Q1. Questions about Financial Ratios
  • Q2. Be thorough with all financial ratios, especially leverage, liquidity and asset turnover.
  • Q3. What is MPBF? How is it calculated?
  • Ans. 

    MPBF stands for Maximum Permissible Bank Finance. It is the maximum amount of loan that a bank can provide to a borrower.

    • MPBF is calculated based on the working capital cycle of a business.

    • It is calculated by taking into account the inventory, receivables, and payables of a business.

    • The formula for calculating MPBF is: MPBF = (Current Assets - Current Liabilities) x 75%.

    • For example, if a business has current assets of ...

  • Answered by AI
  • Q4. What is an ethical dilemma, that you have come across? How did you manage it?
  • Ans. 

    I once faced an ethical dilemma when a client asked me to approve a loan despite knowing they had a poor credit history.

    • I explained the risks involved in approving the loan and the potential consequences for both parties.

    • I suggested alternative options such as a smaller loan or a longer repayment period.

    • I consulted with my superiors and legal team to ensure I was making the right decision.

    • Ultimately, I declined the loa...

  • Answered by AI
  • Q5. Identify the major risk in this financial systems
  • Ans. 

    The major risk in this financial system is credit risk.

    • Credit risk is the risk of loss due to a borrower's failure to repay a loan or meet contractual obligations.

    • This can occur due to factors such as economic downturns, changes in interest rates, or borrower default.

    • To mitigate credit risk, credit managers must carefully assess the creditworthiness of borrowers and monitor their repayment behavior.

    • They may also use to...

  • Answered by AI

Interview Preparation Tips

Topics to prepare for Mahindra & Mahindra Credit Manager interview:
  • Finance
  • Lending
  • Investment Analysis
Interview preparation tips for other job seekers - Do property research on products provided by Mahfin.
Read a lot of credit rating reports of different industry segments. Learn how to write a note.

Interview Preparation Tips

Round: Test
Experience: Aptitude paper was a challenging one but i enjoyed doing it. Technical paper was also good. Questions were asked based on basic knowledge about the technical topics related to your branch.
Tips: In Aptitude, try to do problems that you are sure of first, don't waste too much time on one question. Prepare well the topics like Number System, Probability, Profit-Loss and others.For Technical, prepare thoroughly topics like Fluid Mechanics, Thermodynamics, Mass & Heat Transfer and Chemical Reaction Engineering.
Duration: 60 minutes
Total Questions: 80

Round: HR Interview
Experience: There was a combined HR + Technical Interview. It proceeded very smoothly. Firstly he asked my general introduction, after that he moved on to extra curricular activities that u did in your college days. Next, he asked me some questions related to Industrial Training and finally some questions related to technical topics of your particular subject. In the end, he asked me if I wanted to ask something from him and I asked. That,s all and the interview was over.
Tips: First of all, be confident, do not panic while talking to interviewer, keep proper eye contact, be honest - means do not try to manipulate him ; if you do not know the answer or are not able to recall it.. simply say no to the interviewer. Prepare your Industrial Training properly. Do not give false information about yourself. Overall, be cool and confident... I am sure you will have greater chances to crack interview.

Skills: Confidence, Communication Skills, Body Language
College Name: NIT JAIPUR
Motivation: Reliance is one of the fortune 500 company in the world. It is the largest Private sector company of India. It has largest petroleum Refinery of world at Jamnagar (Gujarat). There is a huge amount of opportunities of growth and promotions in this company. As a chemical engineer, this is a dream company for me and i am very proud of myself to get placed in such a prestigious organisation.

I applied via Campus Placement and was interviewed before Jul 2020. There was 1 interview round.

Interview Questionnaire 

1 Question

  • Q1. Whats your long terms goal towards organization.

Interview Preparation Tips

Interview preparation tips for other job seekers - Confidence

I applied via Approached by Company and was interviewed before May 2021. There were 2 interview rounds.

Round 1 - One-on-one 

(1 Question)

  • Q1. Walk through of my daily work
Round 2 - HR 

(1 Question)

  • Q1. Compensation discussion

Interview Preparation Tips

Interview preparation tips for other job seekers - Stay true to what you know and focus displaying your process accumen

I applied via Naukri.com and was interviewed in May 2019. There were 3 interview rounds.

Interview Questionnaire 

1 Question

  • Q1. What is the profile that you are looking at

Interview Preparation Tips

Interview preparation tips for other job seekers - Interviewer don’t know what they want
They don’t even disclose everything what are the processes and KRA during the interview post you joined you get many surprises
This is complete system/process oriented company your half of the energy and time goes in solving complicated processes
Less focus on your actual work
People who are looking for government style work culture this is the best option

I applied via Naukri.com and was interviewed in Jun 2020. There was 1 interview round.

Interview Questionnaire 

1 Question

  • Q1. After 10 Years,What will your position??What you think on it????

Interview Preparation Tips

Interview preparation tips for other job seekers - Be Calm,
Don't lie at any point.
Told truely what you are actually.

I applied via Approached by Company and was interviewed before Jun 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 tips
Round 2 - One-on-one 

(2 Questions)

  • Q1. To know more about personal and family .
  • Q2. What is the goal and objectives,till time achievement.

Interview Preparation Tips

Interview preparation tips for other job seekers - Be open during interview, don't have any fear and give what you did in your journey, avoid any kind of duplicacy.

I applied via Campus Placement 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 tips
Round 2 - One-on-one 

(2 Questions)

  • Q1. 2-3 points from CV like what was the reason for doing a tast and achievements for organisation
  • Q2. Why do you want to work for Reliance

Interview Preparation Tips

Topics to prepare for Reliance Industries Manager interview:
  • Chemical Engineering
Interview preparation tips for other job seekers - Just be confident and be yourself. HR have high experience of taking interview, so they can easily find if you are faking something. So it's better to be honest about what you know and what you do not know

I was interviewed before May 2021.

Round 1 - Aptitude Test 

Basic engineering questions

Round 2 - One-on-one 

(1 Question)

  • Q1. Automobile engineering ,practical questions on automobile products of tata

Interview Preparation Tips

Interview preparation tips for other job seekers - Interview starts from basic introduction and then automobile concepts about alignment ,transmission ,differential ,company product knowledge

I applied via LinkedIn and was interviewed in Oct 2020. There were 4 interview rounds.

Interview Questionnaire 

1 Question

  • Q1. Last work ex

Interview Preparation Tips

Interview preparation tips for other job seekers - Online interviews, tests.

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