Arth Micro Finance Credit Officer Interview Questions and Answers

Q1. What is your name and give us a snapshot of career
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Q1. What are the financial parameters check while file approval for sme.
Ans. 
Financial parameters checked for SME file approval include credit score, cash flow, collateral, and industry risk.
• Credit score of the business owner

• Cash flow analysis to ensure ability to repay

• Collateral value to mitigate risk

• Industry risk assessment for sector-specific challenges
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Q2. What is key financial ratio
Ans. 
Key financial ratios are metrics used to evaluate a company's financial performance and health.
• Key financial ratios include profitability ratios, liquidity ratios, leverage ratios, and efficiency ratios.

• Examples of key financial ratios include return on assets (ROA), current ratio, debt-to-equity ratio, and inventory turnover ratio.

• These ratios help investors, creditors, and management assess the financial strength and
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Q3. Your knowledge about your existence company
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Q1. Financial understanding
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Q1. Questions on IOT and related
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Questions mainly from Linked list.

Q1. Basically coding round, with basic questions from arrays. One needs to have good communication skills to explain to interviewers.
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Basic aptitude and coding problems were asked

System design and advanced algorithms were asked

Q1. Read derivatives especially options
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