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Aye Finance Field Credit Officer Interview Questions and Answers

Updated 2 Aug 2023

Aye Finance Field Credit Officer Interview Experiences

2 interviews found

I applied via Naukri.com and was interviewed before Dec 2018. There were 2 interview rounds.

Interview Questionnaire 

2 Questions

  • Q1. Field observation about customers business related questions ex(how income arrive for tea shop) like that?
  • Q2. How to Risk finding at field?
  • Ans. 

    To assess risk in the field, credit officers can use various methods such as conducting on-site visits, analyzing financial statements, and evaluating market conditions.

    • Conduct on-site visits to assess the borrower's business operations and evaluate the quality of assets.

    • Analyze financial statements to understand the borrower's financial health, debt levels, and repayment capacity.

    • Evaluate market conditions and industr...

  • Answered by AI

Interview Preparation Tips

Interview preparation tips for other job seekers - If you are ready to work for all type of work, go for it, like operation collection support.

If your branch sales not performed means your promotion, bonus & increment will be questionable????
So choose branch which is do good numbers, you can grow together with your branch.

I applied via Recruitment Consultant and was interviewed in Jun 2019. There were 3 interview rounds.

Interview Questionnaire 

2 Questions

  • Q1. How to analyze customer income without banking &it papers?
  • Ans. 

    Analyzing customer income without banking & IT papers

    • Look for alternative sources of income verification such as tax returns, pay stubs, or employment contracts

    • Consider conducting interviews with the customer's employer or references to verify income

    • Analyze the customer's spending habits and lifestyle to assess their income level

    • Review the customer's credit history and financial statements for any indications of income

    • ...

  • Answered by AI
  • Q2. What u do in field PD visit?

Interview Preparation Tips

Interview preparation tips for other job seekers - Field knowledge, analyze knowledge, fraudulent find knowledge is required for this role.

Field Credit Officer Interview Questions Asked at Other Companies

asked in Aye Finance
Q1. How to analyze customer income without banking &it papers?
asked in Aye Finance
Q2. How to Risk finding at field?

Interview questions from similar companies

Interview experience
1
Bad
Difficulty level
-
Process Duration
-
Result
-
Round 1 - Behavioral 

(2 Questions)

  • Q1. Work experience
  • Q2. Qualification
Round 2 - HR 

(2 Questions)

  • Q1. What is your education
  • Q2. Qualification

Interview Preparation Tips

Interview preparation tips for other job seekers - do not join this company
Interview experience
4
Good
Difficulty level
-
Process Duration
-
Result
-
Round 1 - HR 

(2 Questions)

  • Q1. Question about Previous company experience
  • Q2. Salary expectation
Round 2 - One-on-one 

(2 Questions)

  • Q1. Introduction previous job experiences
  • Ans. 

    I have experience working in various roles in the financial industry, including as a credit analyst and loan processor.

    • Worked as a credit analyst at XYZ Bank, analyzing credit reports and financial statements

    • Processed loan applications and conducted risk assessments at ABC Credit Union

    • Collaborated with underwriters and loan officers to ensure timely and accurate processing of loan applications

  • Answered by AI
  • Q2. Question about banking sector and finance

Interview Preparation Tips

Interview preparation tips for other job seekers - Good experience
Interview experience
1
Bad
Difficulty level
-
Process Duration
-
Result
-
Round 1 - Group Discussion 

Group discussion with senior

Round 2 - HR 

(2 Questions)

  • Q1. Question related to salary package
  • Q2. Question related to notice period

Interview Preparation Tips

Interview preparation tips for other job seekers - Working here has been a disastrous experience due to the company's terrible work culture and environment, characterized by significant work pressure and a lack of recognition for accomplishments; it is primarily sales-oriented.
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 May 2024. There was 1 interview round.

Round 1 - Technical 

(2 Questions)

  • Q1. Technical knowledge and job profile related
  • Q2. As per process and work experience based

Interview Preparation Tips

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

I applied via Recruitment Consulltant

Round 1 - HR 

(5 Questions)

  • Q1. Salary expectation
  • Q2. It is everyone's job to increase the salary and post of the employees after seeing their hard work
  • Q3. Work experience
  • Q4. Income analysis
  • Q5. How to settle income FOIR
  • Ans. 

    FOIR can be settled by ensuring the borrower's total fixed obligations do not exceed a certain percentage of their income.

    • Calculate the borrower's total fixed obligations, including existing loan EMIs, rent, and other fixed expenses.

    • Calculate the borrower's income, including salary, rental income, and any other sources of income.

    • Divide the total fixed obligations by the borrower's income to get the FOIR.

    • Ensure the FOIR...

  • Answered by AI
Round 2 - Case Study 

The work of the credit team is to provide loan after doing income analytics after studying the case and whether EMI can be given to the customer and my work in case study is to find out by doing local inquiry whether the customer is showing fake business or not and in sales, I keep getting to know what is the problem in the case

Interview Preparation Tips

Interview preparation tips for other job seekers - Ok
Interview experience
4
Good
Difficulty level
-
Process Duration
-
Result
-
Round 1 - HR 

(2 Questions)

  • Q1. Your introduction .
  • Q2. Education

Interview Preparation Tips

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

I applied via Referral and was interviewed in Nov 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 

(2 Questions)

  • Q1. They asked all relevant questions about previous experience. Nature of Work at previous organization.
  • Q2. Nature Job to determine the quality
Round 3 - HR 

(1 Question)

  • Q1. They asked all experience and documents to process next level
Round 4 - Final Offer Letter 

(1 Question)

  • Q1. After all documents submission offer letter released.

Interview Preparation Tips

Interview preparation tips for other job seekers - Overall Veritas is good organization place to work. Interview process also simple and HR response is good. They released offer Letter after shortlisted in few days. Excellent HR team.
Interview experience
5
Excellent
Difficulty level
-
Process Duration
-
Result
Selected Selected
Round 1 - One-on-one 

(2 Questions)

  • Q1. About work history
  • Q2. About domain knowledge
Round 2 - HR 

(1 Question)

  • Q1. About Salary and others

Aye Finance Interview FAQs

How to prepare for Aye Finance Field Credit Officer 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 Underwriting, Credit Policy, Audit Compliance, Auditing and Capacity Planning.
What are the top questions asked in Aye Finance Field Credit Officer interview?

Some of the top questions asked at the Aye Finance Field Credit Officer interview -

  1. How to analyze customer income without banking &it paper...read more
  2. How to Risk finding at fie...read more
  3. Field observation about customers business related questions ex(how income arri...read more

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Aye Finance Field Credit Officer Salary
based on 80 salaries
₹1.8 L/yr - ₹3.2 L/yr
At par with the average Field Credit Officer Salary in India
View more details

Aye Finance Field Credit Officer Reviews and Ratings

based on 22 reviews

4.4/5

Rating in categories

4.0

Skill development

4.4

Work-life balance

4.3

Salary

4.3

Job security

4.2

Company culture

4.3

Promotions

4.3

Work satisfaction

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