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AU Small Finance Bank Branch Credit Manager Interview Questions, Process, and Tips

Updated 13 Aug 2024

Top AU Small Finance Bank Branch Credit Manager Interview Questions and Answers

  • Q1. In builder cases what r the document required for the legal
  • Q2. What you are know about financial and mortgage?
  • Q3. What do you understand about credit visit? How will you assess a customer income? What is cibil score? Can a loan be prepared on assessment basis?

AU Small Finance Bank Branch Credit Manager Interview Experiences

6 interviews found

Interview experience
2
Poor
Difficulty level
Moderate
Process Duration
Less than 2 weeks
Result
Selected Selected

I applied via Referral and was interviewed in Jul 2024. There was 1 interview round.

Round 1 - Acm 

(2 Questions)

  • Q1. Abou my self and education
  • Q2. Experience and achievements

Interview Preparation Tips

Interview preparation tips for other job seekers - Need communication skills
Interview experience
4
Good
Difficulty level
Moderate
Process Duration
2-4 weeks
Result
Selected Selected

I applied via Referral

Round 1 - Resume Shortlist 
Pro Tip by AmbitionBox:
Do not use an unprofessional email address such as cool_boy@email.com. It shows a lack of professionalism by the candidate.
View all tips
Round 2 - One-on-one 

(1 Question)

  • Q1. Self nd family etc info
Round 3 - Case Study 

Knowledge about work because i have previous experience

Round 4 - HR 

(1 Question)

  • Q1. Salary, grade negotiate nd check work knowledge

Branch Credit Manager Interview Questions Asked at Other Companies

Q1. why 13yr legal search report is required in mortgage
Q2. What is underwriting and what you have to do for getting good cus ... read more
Q3. what is a difference between lease hold property and free hold pr ... read more
Q4. What kind of product to handle?
asked in ICICI Bank
Q5. What will you check in tax audit report when someone applies for ... read more
Interview experience
5
Excellent
Difficulty level
Moderate
Process Duration
2-4 weeks
Result
Selected Selected

I applied via Walk-in and was interviewed in May 2023. There were 3 interview rounds.

Round 1 - Resume Shortlist 
Pro Tip by AmbitionBox:
Double-check your resume for any spelling mistakes. The recruiter may consider spelling mistakes as careless behavior or poor communication skills.
View all tips
Round 2 - One-on-one 

(1 Question)

  • Q1. What do you understand about credit visit? How will you assess a customer income? What is cibil score? Can a loan be prepared on assessment basis?
  • Ans. 

    Credit visit involves assessing customer income and cibil score to determine loan eligibility.

    • Credit visit involves meeting the customer in person to verify income and other financial details.

    • Assessing customer income involves reviewing pay stubs, bank statements, and tax returns.

    • Cibil score is a credit rating provided by Credit Information Bureau (India) Limited, indicating creditworthiness.

    • A loan can be prepared on a...

  • Answered by AI
Round 3 - One-on-one 

(1 Question)

  • Q1. Same question What do you know about home loan

Interview Preparation Tips

Interview preparation tips for other job seekers - Keeping trying 👍
Interview experience
4
Good
Difficulty level
Moderate
Process Duration
Less than 2 weeks
Result
Selected Selected

I applied via Walk-in and was interviewed before Sep 2022. There were 2 interview rounds.

Round 1 - Resume Shortlist 
Pro Tip by AmbitionBox:
Don’t add your photo or details such as gender, age, and address in your resume. These details do not add any value.
View all tips
Round 2 - One-on-one 

(5 Questions)

  • Q1. It was very simple interview my interview lasted about 10 minutes interviewer ask me some journal questions and some relevant product wise.
  • Q2. First is self introduction And second is how to assess the income 3rd is on the pd what r the discuss with customer.
  • Q3. In builder cases what r the document required for the legal
  • Ans. 

    Documents required for legal in builder cases include title deed, approved building plan, NOC from relevant authorities, sale agreement, etc.

    • Title deed showing ownership of the property

    • Approved building plan from local authorities

    • NOC (No Objection Certificate) from relevant authorities

    • Sale agreement between builder and buyer

    • Occupancy certificate if available

  • Answered by AI
  • Q4. What is the rera and tell me full form
  • Ans. 

    RERA stands for Real Estate (Regulation and Development) Act, which aims to regulate the real estate sector and protect the interests of homebuyers.

    • RERA was enacted in 2016 to bring transparency and accountability in the real estate sector.

    • It mandates the registration of real estate projects and real estate agents.

    • RERA also establishes state-level Real Estate Regulatory Authorities (RERAs) to oversee the sector.

    • The Act...

  • Answered by AI
  • Q5. What r u looking on collateral property
  • Ans. 

    I look for collateral property that is valuable, easily marketable, and has a clear title.

    • Value of the property should be sufficient to cover the loan amount

    • Property should be easily marketable in case of default

    • Clear title ensures smooth transfer of ownership in case of foreclosure

  • Answered by AI

Interview Preparation Tips

Interview preparation tips for other job seekers - It is not a rocket science keep the confidence and give the answer of all questions don't hesitate during the interview best wishes for all..

Thank you..

AU Small Finance Bank interview questions for designations

 Credit Manager

 (18)

 Assistant Credit Manager

 (3)

 Deputy Credit Manager

 (1)

 Credit Officer

 (4)

 Branch Manager

 (9)

 Senior Credit Officer

 (2)

 Branch Sales Manager

 (2)

 AVP Branch Manager

 (1)

Interview experience
5
Excellent
Difficulty level
Moderate
Process Duration
Less than 2 weeks
Result
Selected Selected

I applied via Referral and was interviewed before Oct 2022. There were 3 interview rounds.

Round 1 - Resume Shortlist 
Pro Tip by AmbitionBox:
Properly align and format text in your resume. A recruiter will have to spend more time reading poorly aligned text, leading to high chances of rejection.
View all tips
Round 2 - Simple 

(2 Questions)

  • Q1. What you are know about financial and mortgage?
  • Ans. 

    Financial and mortgage knowledge includes understanding of lending, credit analysis, risk assessment, interest rates, and loan products.

    • Understanding of lending practices and loan products

    • Knowledge of credit analysis and risk assessment

    • Familiarity with interest rates and how they impact mortgages

    • Awareness of mortgage underwriting guidelines and regulations

    • Ability to assess borrower's financial situation and determine l

  • Answered by AI
  • Q2. Mortgage are two types. Equitable and registered
Round 3 - Case Study 

That was really great interview, they asked me in which language you are comfort for interview and then asked me about last job role and so many things. After that they provide details of some cases to check how I will decision of those cases

Interview Preparation Tips

Topics to prepare for AU Small Finance Bank Branch Credit Manager interview:
  • Legal
  • Technical
  • Financial Analysis
  • Cibil
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 - HR 

(1 Question)

  • Q1. Share details of your previous job.

Interview questions from similar companies

I applied via Referral and was interviewed before Jul 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 - Aptitude Test 

Credit analysis of secure and unsecured

Interview Preparation Tips

Interview preparation tips for other job seekers - Interviews are your chance to sell your skills and abilities. Shake hands firmly, but only if a hand is offered to you first.

Interview Questionnaire 

1 Question

  • Q1. 1.introduction.2. Previous work experience.3. About current responsibilities and roll.4. How to check CIBIL. 5. What type of source for check credit score. 6. Check employment stability. 7. Ask general qu...

I applied via Referral and was interviewed in Dec 2019. There were 3 interview rounds.

Interview Questionnaire 

8 Questions

  • Q1. Why 13yr legal search report is required in mortgage
  • Ans. 

    A 13-year legal search report is required in mortgage to ensure the property's legal status and minimize risks.

    • A 13-year legal search report provides a comprehensive overview of the property's legal history.

    • It helps identify any potential legal issues or encumbrances on the property.

    • Lenders require this report to assess the risk associated with the mortgage.

    • It ensures that the property has a clear title and is free fro...

  • Answered by AI
  • Q2. What is a difference between lease hold property and free hold property
  • Ans. 

    Leasehold property is leased for a specific period while freehold property is owned indefinitely.

    • Leasehold property is leased for a specific period of time, usually decades.

    • Freehold property is owned indefinitely by the owner.

    • Leasehold property may require payment of ground rent to the freeholder.

    • Freehold property does not require payment of ground rent.

    • Leasehold property may have restrictions on alterations or use.

    • Fre...

  • Answered by AI
  • Q3. What is suit filed
  • Ans. 

    Suit filed refers to a legal action taken by a plaintiff against a defendant in a court of law.

    • It is a formal legal complaint filed by a plaintiff against a defendant.

    • It initiates a civil lawsuit and sets the legal process in motion.

    • The plaintiff must provide evidence to support their claim.

    • The defendant has the opportunity to respond and defend themselves.

    • Examples include breach of contract, personal injury, and prope

  • Answered by AI
  • Q4. What is penal interest
  • Ans. 

    Penal interest is an additional interest charged by lenders on overdue payments.

    • Penal interest is a penalty charged by lenders on overdue payments.

    • It is an additional interest rate that is added to the original interest rate.

    • The purpose of penal interest is to encourage borrowers to make timely payments.

    • Penal interest rates vary depending on the lender and the type of loan.

    • For example, credit card companies may charge ...

  • Answered by AI
  • Q5. What is DPD STD SMA LSS In cibil
  • Ans. 

    DPD, STD, SMA, LSS are different categories of overdue payments in CIBIL credit report.

    • DPD stands for Days Past Due and indicates the number of days a payment is overdue.

    • STD means Standard and indicates that the payment is being made on time.

    • SMA stands for Special Mention Account and indicates that the payment is overdue for 1-90 days.

    • LSS means Loss and indicates that the payment is overdue for more than 180 days and i

  • Answered by AI
  • Q6. Explain Ownership documents
  • Ans. 

    Ownership documents are legal papers that prove ownership of a property or asset.

    • Ownership documents can include deeds, titles, and certificates of ownership.

    • These documents are important for establishing ownership and transferring ownership to another party.

    • Examples of ownership documents include a car title, a property deed, and a stock certificate.

    • Ownership documents may also include information about any liens or m...

  • Answered by AI
  • Q7. What is difference between Audited Financial and unaudited Financial
  • Ans. 

    Audited financials are verified by an external auditor while unaudited financials are not.

    • Audited financials are reviewed and verified by an external auditor while unaudited financials are not.

    • Audited financials provide more credibility and assurance to stakeholders while unaudited financials may be viewed as less reliable.

    • Audited financials are required for publicly traded companies while privately held companies may ...

  • Answered by AI
  • Q8. How to give loan to those customer not having any Documented income prof business continuity prof

Interview Preparation Tips

Interview preparation tips for other job seekers - Mortgage and Non mortgage loan having high difference of documentation before applying Please get some basic things about Product you going to face in New job that you wanted to join.
Interview experience
4
Good
Difficulty level
Easy
Process Duration
Less than 2 weeks
Result
Selected Selected

I applied via Walk-in and was interviewed in Sep 2023. There was 1 interview round.

Round 1 - HR 

(2 Questions)

  • Q1. When will you join and about notice period
  • Q2. Previous company details

Interview Preparation Tips

Interview preparation tips for other job seekers - At the time of interview they has asked about my previous experience and vehicle knowledge home loans knowledge

AU Small Finance Bank Interview FAQs

How many rounds are there in AU Small Finance Bank Branch Credit Manager interview?
AU Small Finance Bank interview process usually has 2-3 rounds. The most common rounds in the AU Small Finance Bank interview process are Resume Shortlist, One-on-one Round and HR.
What are the top questions asked in AU Small Finance Bank Branch Credit Manager interview?

Some of the top questions asked at the AU Small Finance Bank Branch Credit Manager interview -

  1. In builder cases what r the document required for the le...read more
  2. What you are know about financial and mortga...read more
  3. What do you understand about credit visit? How will you assess a customer incom...read more

Tell us how to improve this page.

AU Small Finance Bank Branch Credit Manager Interview Process

based on 8 interviews

2 Interview rounds

  • Resume Shortlist Round
  • One-on-one Round
View more

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AU Small Finance Bank Branch Credit Manager Salary
based on 84 salaries
₹2.1 L/yr - ₹8.8 L/yr
At par with the average Branch Credit Manager Salary in India
View more details

AU Small Finance Bank Branch Credit Manager Reviews and Ratings

based on 34 reviews

4.1/5

Rating in categories

4.1

Skill development

4.0

Work-life balance

3.7

Salary

4.2

Job security

4.0

Company culture

3.7

Promotions

4.1

Work satisfaction

Explore 34 Reviews and Ratings
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