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Aye Finance Branch Credit Manager Interview Questions and Answers

Updated 10 Aug 2024

Aye Finance Branch Credit Manager Interview Experiences

1 interview found

Interview experience
1
Bad
Difficulty level
Easy
Process Duration
Less than 2 weeks
Result
Selected Selected

I applied via Recruitment Consulltant and was interviewed in Feb 2024. There were 2 interview rounds.

Round 1 - Telephonic Call 

(2 Questions)

  • Q1. What's your product in previous organisation
  • Ans. 

    In my previous organization, the product I managed was a range of personal loans tailored to meet the financial needs of individual customers.

    • Managed a portfolio of personal loans

    • Analyzed creditworthiness of applicants

    • Developed strategies to increase loan disbursement

    • Collaborated with sales team to drive product awareness

  • Answered by AI
  • Q2. What's knowledge of about secured loan vertical
  • Ans. 

    Knowledge of secured loan vertical involves understanding the process of lending money with collateral as security.

    • Understanding the concept of collateral and its importance in securing loans

    • Knowledge of different types of collateral that can be used in secured loans, such as real estate, vehicles, or investments

    • Familiarity with the legal aspects of secured loans, including the rights and responsibilities of both the l...

  • Answered by AI
Round 2 - Group Discussion 

HR just will discuss just on salary negotiable

Interview Preparation Tips

Topics to prepare for Aye Finance Branch Credit Manager interview:
  • Product knowledge
  • Credit Analysis
Interview preparation tips for other job seekers - If any one try to join Aye finance ltd in secured loan vertical, my advice please check deeply 1st you are experienced guy

Interview questions from similar companies

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

I applied via Referral and was interviewed before Nov 2023. There was 1 interview round.

Round 1 - One-on-one 

(2 Questions)

  • Q1. Income assessment done by me ?
  • Ans. 

    Income assessment is a crucial part of my role as a Branch Credit Manager.

    • I assess income through pay stubs, tax returns, bank statements, and employment verification.

    • I analyze the consistency and stability of income to determine creditworthiness.

    • I consider sources of income, such as salary, bonuses, commissions, and rental income.

    • I calculate debt-to-income ratios to assess the borrower's ability to repay loans.

    • I may a...

  • Answered by AI
  • Q2. How to do income assessment of Vada Pav Vendor ?
  • Ans. 

    Assessing income of a Vada Pav vendor involves evaluating daily sales, expenses, location, customer base, and competition.

    • Calculate average daily sales by observing customer traffic and pricing.

    • Consider expenses such as ingredients, rent, utilities, and labor costs.

    • Evaluate the location's foot traffic and potential for growth.

    • Assess the vendor's customer base and loyalty.

    • Analyze competition in the area and pricing stra...

  • Answered by AI

Interview Preparation Tips

Interview preparation tips for other job seekers - Nice Interview got selected.
Interview experience
4
Good
Difficulty level
Moderate
Process Duration
Less than 2 weeks
Result
Selected Selected

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

Round 1 - Case Study 

Simple case study of maths apptitude percentage etc

Interview Preparation Tips

Interview preparation tips for other job seekers - All were good supportive team.
Interview experience
5
Excellent
Difficulty level
-
Process Duration
-
Result
-

I applied via Referral

Round 1 - One-on-one 

(1 Question)

  • Q1. Basic questions regard credit underwriting

Interview Preparation Tips

Interview preparation tips for other job seekers - All the best
Interview experience
4
Good
Difficulty level
Moderate
Process Duration
Less than 2 weeks
Result
Selected Selected

I applied via Company Website and was interviewed in Jun 2023. There were 4 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 - One-on-one 

(1 Question)

  • Q1. First HR then department interview. Later salary discussion with HR again
Round 3 - Technical 

(1 Question)

  • Q1. Department head called for checking knowledge and experience
Round 4 - One-on-one 

(1 Question)

  • Q1. Sallary negotiation
Interview experience
4
Good
Difficulty level
Moderate
Process Duration
Less than 2 weeks
Result
Selected Selected

I applied via Newspaper Ad and was interviewed in Nov 2023. There was 1 interview round.

Round 1 - Department head interview 

(1 Question)

  • 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...

  • Answered by AI

Interview Preparation Tips

Interview preparation tips for other job seekers - Good
Interview experience
5
Excellent
Difficulty level
Easy
Process Duration
Less than 2 weeks
Result
Selected Selected

I applied via Referral and was interviewed before Jan 2024. There were 3 interview rounds.

Round 1 - One-on-one 

(4 Questions)

  • Q1. Basic details of personals
  • Q2. Details about existing company and product discussion
  • Q3. Basic details about products
  • Q4. Basic synergy within team
Round 2 - Aptitude Test 

The company administers an aptitude and psychometric test.

Round 3 - HR 

(1 Question)

  • Q1. Salary discussion and again basic details
Interview experience
5
Excellent
Difficulty level
-
Process Duration
-
Result
-

I applied via Campus Placement

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 - Aptitude Test 

A Online Round based on Appitude.

Round 3 - Group Discussion 

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

Round 4 - One-on-one 

(1 Question)

  • Q1. TAXATION , TYPES OF LOANS,ABOUT ROLE
Round 5 - HR 

(1 Question)

  • Q1. FAMILY BACKGROUND AND GENERAL QUESTIONS

Interview Preparation Tips

Interview preparation tips for other job seekers - BE PREPARED WIT ITR KNOWLEDGE ,AND LOAN TYPES AS WELL AS GOOD IN APPTITUDE

I applied via Naukri.com and was interviewed before Jan 2021. There were 2 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 - HR 

(3 Questions)

  • 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...

  • Answered by AI
  • 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.

  • Answered by AI
  • 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...

  • Answered by AI

Interview Preparation Tips

Interview preparation tips for other job seekers - My fist prayti is my job and my family
Interview experience
4
Good
Difficulty level
Easy
Process Duration
Less than 2 weeks
Result
Selected Selected

I applied via Naukri.com and was interviewed in Aug 2022. There were 2 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 

(2 Questions)

  • Q1. All credit common questions
  • Q2. My self, Experience, About ur profile, physical PD, CAM preparation and disbursement process. Salary expectations Why leave current job.

Interview Preparation Tips

Interview preparation tips for other job seekers - Pls go through credit policies.
U can do it.
Best wishes.

Aye Finance Interview FAQs

How many rounds are there in Aye Finance Branch Credit Manager interview?
Aye Finance interview process usually has 2 rounds. The most common rounds in the Aye Finance interview process are Telephonic Call and Group Discussion.
How to prepare for Aye Finance Branch Credit Manager interview?
Go through your CV in detail and study all the technologies mentioned in your CV. Prepare at least two technologies or languages in depth if you are appearing for a technical interview at Aye Finance. The most common topics and skills that interviewers at Aye Finance expect are Credit Underwriting, Credit Appraisal, Underwriting, Credit Analysis and Credit Processing.

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Aye Finance Branch Credit Manager Interview Process

based on 4 interviews

Interview experience

2.8
  
Poor
View more
Aye Finance Branch Credit Manager Salary
based on 56 salaries
₹1.8 L/yr - ₹6.3 L/yr
20% less than the average Branch Credit Manager Salary in India
View more details

Aye Finance Branch Credit Manager Reviews and Ratings

based on 24 reviews

4.0/5

Rating in categories

3.7

Skill development

3.9

Work-life balance

3.9

Salary

3.7

Job security

3.7

Company culture

3.6

Promotions

3.6

Work satisfaction

Explore 24 Reviews and Ratings
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