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I applied via Campus Placement and was interviewed before Jul 2023. There was 1 interview round.
Different types of ratios like sales turnover ratio, asset turnover ratio, etc are used to analyze a company's financial performance.
Ratios help in evaluating the efficiency and profitability of a company.
Sales turnover ratio measures how efficiently a company is using its assets to generate sales.
Asset turnover ratio indicates how well a company is utilizing its assets to generate revenue.
Other important ratios includ...
Some risks include inaccurate credit assessments, failure to identify red flags, and lack of understanding of industry trends.
Inaccurate credit assessments can lead to approving high-risk clients who may default on payments.
Failure to identify red flags such as inconsistent financial information or past delinquencies can result in losses for the company.
Lack of understanding of industry trends may lead to granting cred...
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I applied via Company Website and was interviewed before Dec 2021. There were 2 interview rounds.
Market risk is the risk of financial loss due to changes in market conditions, while business risk is the risk of financial loss due to factors specific to a company's operations.
Market risk is external and beyond the control of the company, while business risk is internal and can be managed by the company.
Market risk includes factors such as interest rates, inflation, and currency fluctuations, while business risk inc...
CIBIL is a credit information company that maintains credit records of individuals and businesses to help lenders assess creditworthiness.
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
CIBIL score ranges from 300 to 900, with higher scores indicating better creditwort...
I applied via Company Website and was interviewed before Dec 2020. There was 1 interview round.
A finance company is a financial institution that provides loans, investments, and other financial services to individuals and businesses.
Finance companies specialize in providing loans and credit to customers who may not qualify for traditional bank loans.
They may also offer leasing and financing options for businesses to acquire equipment and vehicles.
Examples of finance companies include American Express, Capital On...
I will give loans to individuals and businesses with good credit history and stable income on reasonable terms.
I will consider credit score and payment history of the borrower
I will also look at the borrower's income and employment stability
For businesses, I will consider their financial statements and business plan
I will offer reasonable interest rates and repayment terms based on the borrower's creditworthiness
I will...
I applied via Naukri.com and was interviewed before Apr 2021. There were 2 interview rounds.
I applied via Walk-in and was interviewed before Apr 2021. There were 2 interview rounds.
After Joining confirmation
Normal credit norms and policy refer to the standard guidelines followed by a company while extending credit to its customers.
Credit limit is set based on the customer's creditworthiness
Payment terms are agreed upon between the company and the customer
Late payment fees and interest rates are charged for delayed payments
Credit checks are conducted before extending credit to new customers
Credit policies are reviewed peri...
I applied via Referral and was interviewed before Feb 2021. There were 3 interview rounds.
HL LAP stands for Hypothecation of Loans and Advances against Property. BL stands for Bill of Lading.
HL LAP is a type of loan where the borrower hypothecates their property to secure the loan.
BL is a document issued by a carrier to acknowledge receipt of goods for shipment.
HL LAP is commonly used in mortgage loans, while BL is used in international trade for goods transportation.
I applied via Naukri.com and was interviewed before Sep 2022. There were 2 interview rounds.
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Rating in categories
Assistant Manager
91
salaries
| ₹2.6 L/yr - ₹8 L/yr |
Deputy Manager
56
salaries
| ₹3.8 L/yr - ₹11 L/yr |
Relationship Manager
48
salaries
| ₹2 L/yr - ₹5.5 L/yr |
Manager
40
salaries
| ₹5.1 L/yr - ₹14 L/yr |
Management Trainee
36
salaries
| ₹4.7 L/yr - ₹12 L/yr |
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