Aye Finance Branch Credit Manager Interview Questions and Answers

Simple case study of maths apptitude percentage etc

Q1. Basic questions regard credit underwriting
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Q1. First HR then department interview. Later salary discussion with HR again
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Q1. Department head called for checking knowledge and experience
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Q1. Sallary negotiation
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Q1. What is the business vintage & stability spoof & whats the reason s to reject files, business profile,banking statement, about technical report how to
Ans. 
Business vintage & stability spoof refers to the falsification of business history and financial stability to deceive lenders. Reasons to reject files include inconsistencies in business profile, banking statements, and technical reports.
• Business vintage refers to the length of time a business has been operating. Lenders look for established businesses with a proven track record.

• Stability spoof involves presenting fals...read more
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Q1. Basic details of personals
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Q2. Details about existing company and product discussion
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Q3. Basic details about products
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Q4. Basic synergy within team
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The company administers an aptitude and psychometric test.

Q1. Salary discussion and again basic details
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A Online Round based on Appitude.

A Current News Related to CBDC ,Duration :- 30 mins

Q1. TAXATION , TYPES OF LOANS,ABOUT ROLE
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Q1. FAMILY BACKGROUND AND GENERAL QUESTIONS
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Q1. What are your salary expectations?
Ans. 
I am open to discussing salary based on the responsibilities and requirements of the position.
• I believe that compensation should be fair and competitive within the industry.

• I am more interested in the overall package, including benefits and growth opportunities.

• I am open to negotiation and would like to learn more about the company's compensation structure.

• I am confident that my skills and experience justify a competit...read more
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Q2. What is your family background?
Ans. 
I come from a diverse family background with a mix of cultures and professions.
• My father is a doctor and my mother is a lawyer, so I have been exposed to both the medical and legal fields.

• My grandparents were immigrants from different countries, which has given me a multicultural perspective.

• Growing up, I had siblings who pursued careers in engineering and arts, providing a wide range of interests within my family.
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Q3. Share details of your previous job.
Ans. 
I worked as a Credit Manager at XYZ Bank for 3 years.
• Managed a team of 10 credit analysts and oversaw the credit approval process.

• Analyzed financial statements and credit reports to assess the creditworthiness of borrowers.

• Developed and implemented credit policies and procedures to mitigate risk.

• Collaborated with sales teams to evaluate potential clients and negotiate credit terms.

• Reduced delinquency rates by 15% throu...read more
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Q1. All credit common questions
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Q2. My self, Experience, About ur profile, physical PD, CAM preparation and disbursement process. Salary expectations Why leave current job.
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