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

I have 5 years of work experience as a Credit Manager in a financial institution.

• Managed a portfolio of clients and assessed their creditworthiness

• Analyzed financial statements and credit reports to determine risk

• Implemented credit policies and procedures to minimize bad debt

• Negotiated payment terms and conditions with customers

• Collaborated with sales and finance teams to ensure timely collections

• Reduced delinquency ra...read more

Financial ratios impact lending by providing insight into a borrower's financial health and ability to repay loans.

• Financial ratios such as debt-to-income ratio, debt-to-equity ratio, and current ratio are used by lenders to assess a borrower's creditworthiness.

• These ratios help lenders determine the borrower's ability to repay the loan and manage their finances.

• For example, a high debt-to-income ratio may indicate tha...read more