10+ H & H Pharmaceutical Interview Questions and Answers

Compliance required for change in shareholding pattern and board composition as per RBI Master Direction.

• Prior approval from RBI required for any change in shareholding pattern resulting in change of management control

• Disclosure of shareholding pattern and changes to be made to RBI within 30 days

• Appointment of directors to be in compliance with fit and proper criteria

• Board composition to have at least one-third independent directors

• Annual compliance certificate to be submitte...read more

Major factors considered in credit appraisal

• Creditworthiness of the borrower

• Financial stability of the borrower

• Purpose of the loan

• Repayment capacity of the borrower

• Collateral or security offered

• Credit history of the borrower

• Industry and market conditions

• Regulatory compliance

• Risk assessment

On average, I handle around 150-200 files per month.

• I prioritize files based on their urgency and importance.

• I ensure that all necessary documents are present and accurate.

• I maintain a record of all files and their status for easy tracking.

• I communicate with clients and team members to resolve any issues or delays.

• Examples: loan applications, credit reports, financial statements.

Deferred Tax Assets and Liabilities are temporary differences between the book value and tax value of assets and liabilities.

• Deferred Tax Assets arise when the tax value of an asset is higher than its book value.

• Deferred Tax Liabilities arise when the tax value of a liability is lower than its book value.

• They are recorded on the balance sheet and can be used to offset future tax liabilities or assets.

• Examples include depreciation, inventory valuation, and tax credits.

• Deferred...read more

I have a strong understanding of the lending domain, including loan origination, underwriting, and risk management.

• Experience in developing and implementing lending software solutions

• Knowledge of regulatory requirements in the lending industry

• Understanding of credit scoring models and loan approval processes

• Familiarity with loan servicing and collections practices

Current Ratio is a financial ratio that measures a company's ability to pay its short-term obligations.

• Current Ratio is calculated by dividing a company's current assets by its current liabilities.

• It is used to evaluate a company's liquidity and short-term financial health.

• A ratio of 2:1 is considered healthy, indicating that a company has twice as many current assets as current liabilities.

• A ratio below 1:1 indicates that a company may have difficulty meeting its short-term ...read more

The role of a Compliance Officer as per RBI Guidelines is to ensure that the organization complies with all the regulatory requirements.

• Developing and implementing compliance policies and procedures

• Conducting regular compliance audits and risk assessments

• Ensuring that employees are trained on compliance matters

• Reporting any non-compliance issues to senior management and the RBI

• Maintaining records of compliance activities

• Acting as a liaison between the organization and the RBI...read more

The number of applications made is confidential and not publicly disclosed.

• The exact number of applications made is not publicly available.

• The company may choose to keep this information confidential for competitive reasons.

• It is important to respect the company's decision to not disclose this information.

To improve applications, focus on user feedback, performance optimization, security enhancements, and regular updates.

• Collect and analyze user feedback to identify areas for improvement

• Optimize application performance by reducing load times and fixing bugs

• Enhance security measures to protect user data and prevent cyber attacks

• Regularly update the application with new features and bug fixes

• Implement user-friendly interfaces and intuitive navigation

The SIL cluster size in my geography is medium.

• The SIL cluster in my geography has around 50-100 members.

• The cluster is diverse in terms of industries and sectors represented.

• There are several active events and networking opportunities for members.

• The cluster has a strong focus on innovation and collaboration.

• Examples of companies in the cluster include tech startups, manufacturing firms, and service providers.

Extensive experience in digital lending with proven track record of successful product launches and optimizations.

• Led the development and launch of a digital lending platform for a financial institution, resulting in a 30% increase in loan applications

• Implemented data-driven strategies to optimize the user experience and increase loan approval rates

• Collaborated with cross-functional teams to integrate new technologies and features into the digital lending platform

I have extensive experience in compliance, including developing and implementing compliance programs.

• Developed and implemented compliance programs to ensure adherence to regulations

• Conducted regular audits and assessments to identify and address compliance issues

• Collaborated with legal and regulatory teams to stay updated on industry regulations

• Trained employees on compliance policies and procedures

• Implemented systems and processes to monitor and track compliance metrics