AVIOM Zonal Credit Manager Interview Questions and Answers

I have over 10 years of experience in credit management, with a proven track record of reducing bad debt and improving cash flow.

• Started my career as a Credit Analyst at ABC Bank, where I analyzed credit data and financial statements to determine the creditworthiness of potential borrowers.

• Promoted to Credit Manager at XYZ Corporation, where I led a team of credit analysts and implemented strategies to reduce delinquen...read more

I have built a portfolio of $50 million with a 95% performing rate.

• Built a portfolio of $50 million

• Portfolio is performing at a rate of 95%

• Regularly monitor and analyze portfolio performance

Accessing micro Home loans and Lap for no income proof segment requires alternative methods compared to higher ticket size loans for formal income segment.

• Accessing micro Home loans and Lap for no income proof segment may involve assessing the applicant's assets and collateral instead of income proof.

• For higher ticket size loans for formal income segment, income proof and credit history are typically the main factors c...read more

Property papers in my state include title deed, sale deed, encumbrance certificate, and property tax receipts.

• Title deed is a legal document proving ownership of the property.

• Sale deed is a document showing the transfer of ownership from seller to buyer.

• Encumbrance certificate verifies that the property is free from any legal dues or liabilities.

• Property tax receipts show that all taxes related to the property are paid

My strengths include strong analytical skills and attention to detail. My weakness is that I can be overly critical of my own work.

• Strengths: strong analytical skills

• Strengths: attention to detail

• Weakness: overly critical of my own work