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I applied via Naukri.com and was interviewed in Sep 2023. There were 3 interview rounds.
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Yes, I have previous experience as a team lead in my previous role.
As a team lead, I was responsible for managing a team of credit analysts and overseeing their work.
I provided guidance and support to team members, ensuring that they met their targets and maintained high-quality standards.
I also collaborated with other departments to streamline processes and improve efficiency.
For example, I implemented a new credit...
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I applied via Walk-in and was interviewed before Jun 2020. There was 1 interview round.
I applied via Approached by company and was interviewed in Aug 2021. There were 2 interview rounds.
I applied via Referral and was interviewed before Jan 2022. There were 2 interview rounds.
posted on 31 Aug 2023
Credit manager profile involves assessing creditworthiness, managing credit risk, and ensuring timely repayment of loans.
Assessing creditworthiness of individuals or businesses
Managing credit risk by setting credit limits and terms
Ensuring timely repayment of loans through monitoring and follow-up
Analyzing financial statements and credit reports
Negotiating payment plans with delinquent borrowers
I applied via Naukri.com and was interviewed in Jul 2021. There was 1 interview round.
I applied via Job Portal and was interviewed before Mar 2021. There were 2 interview rounds.
I applied via Campus Placement and was interviewed in Jan 2021. There were 4 interview rounds.
I applied via Approached by Company and was interviewed in Jul 2024. There was 1 interview round.
OD stands for Overdraft while VC stands for Venture Capital.
OD is a type of credit facility provided by banks to customers where they can withdraw more money than they have in their account, up to a certain limit.
VC is a form of financing provided to early-stage companies that have the potential for high growth in exchange for equity ownership.
OD is typically short-term and used for managing cash flow fluctuations, whi...
Drawing power is determined by assessing the borrower's ability to access funds from their credit line.
Evaluate the borrower's current outstanding balance on their credit line.
Consider the borrower's credit limit and any restrictions on the line of credit.
Assess the borrower's repayment history and creditworthiness.
Calculate the difference between the credit limit and the outstanding balance to determine the drawing po...
DLOD stands for Days Late on Delivery, a metric used to measure the number of days a delivery is late.
DLOD is calculated by subtracting the actual delivery date from the scheduled delivery date.
It helps assess the efficiency of a company's supply chain and logistics operations.
For example, if a shipment was scheduled to be delivered on January 15th but arrived on January 20th, the DLOD would be 5 days.
Leverage ratio is a financial metric that measures the proportion of a company's debt to its equity.
Leverage ratio is calculated by dividing total debt by total equity.
It indicates the level of financial risk a company is taking by using debt to finance its operations.
A high leverage ratio means a company has more debt relative to equity, which can be risky in times of economic downturn.
A low leverage ratio indicates a...
Seeking new challenges and growth opportunities in a more dynamic environment.
Looking for new challenges and opportunities for growth
Interested in a more dynamic work environment
Seeking to expand my skill set and knowledge in credit analysis
The basic credit assessment process involves gathering information, analyzing financial statements, and assigning a credit rating.
Gather information about the borrower's financial history and current financial situation
Analyze financial statements to assess the borrower's ability to repay the loan
Assign a credit rating based on the borrower's creditworthiness
Consider factors such as credit score, debt-to-income ratio, ...
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Rating in categories
Senior Analyst
573
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| ₹4 L/yr - ₹10.2 L/yr |
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432
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| ₹4 L/yr - ₹14 L/yr |
Analyst
419
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| ₹2.2 L/yr - ₹7.6 L/yr |
Senior Credit Assessment Officer
269
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| ₹6 L/yr - ₹21 L/yr |
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169
salaries
| ₹9.2 L/yr - ₹38.1 L/yr |
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