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Aye Finance Senior Credit Officer Interview Questions and Answers
Aye Finance Senior Credit Officer Interview Experiences
1 interview found
Anonymous
(2 Questions)
- Q1. Tell me about your self
- Ans.
I am an experienced Senior Credit Officer with a strong background in credit analysis and risk management.
Over 10 years of experience in the financial industry
Expertise in assessing creditworthiness and determining loan approvals
Proven track record of managing credit portfolios and minimizing risk
Strong analytical skills and attention to detail
Excellent communication and negotiation abilities
Ability to work effectively...
- Q2. Tell me about reference this job
- Ans.
The reference for this job is an opportunity to showcase my skills and experience in credit analysis and risk management.
Highlight relevant experience in credit analysis and risk management
Discuss accomplishments in managing credit portfolios and mitigating risk
Mention any certifications or advanced training in credit analysis
Provide examples of successfully identifying and resolving credit issues
Emphasize strong analy...
(2 Questions)
- Q1. Tell me about your self
- Q2. Tell me about your reference this job
Interview Preparation Tips
I believe that my problem solving, leadership and management abilities can make an immediate and effective Contribution to your company.
To demonstrate the scope of my career history and professional competence, kindly find attached cover letter and resume for your reference.
Availability:- early joining
Current CTC - 2.50 lac
expected CTC:- 3.50 lac
current location:- gurgaon
experienced :- i have credit CPA Executive 3.5 + years experience in the Banking sector
I appreciate your evaluation of my credentials and subsequent
response.
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I applied via Referral and was interviewed before Mar 2020. There was 1 interview round.
Interview Questionnaire
4 Questions
- Q1. About financial statements analysis.
- Q2. Importance of critical thinking process in unsecured lending.
- Ans.
Critical thinking is crucial in unsecured lending as it helps in assessing the borrower's creditworthiness and mitigating risks.
Critical thinking helps in analyzing the borrower's financial history and identifying any red flags.
It enables the credit officer to make informed decisions based on the borrower's creditworthiness and ability to repay the loan.
It helps in identifying potential risks and developing strategies ...
- Q3. What are the mandatory documents for Unsecured and secured lending?
- Ans.
Mandatory documents for unsecured and secured lending.
For unsecured lending, mandatory documents include identity proof, address proof, income proof, bank statements, and credit score.
For secured lending, mandatory documents include property documents, identity proof, address proof, income proof, bank statements, and credit score.
Additional documents may be required based on the type of loan and lender's policies.
Docum...
- Q4. What are the types of property documents in Deeds?
- Ans.
There are various types of property documents in Deeds, including title deeds, sale deeds, gift deeds, mortgage deeds, lease deeds, and power of attorney deeds.
Title deeds establish ownership of the property.
Sale deeds transfer ownership from the seller to the buyer.
Gift deeds transfer ownership as a gift.
Mortgage deeds are used to secure a loan against the property.
Lease deeds establish a lease agreement between the o...
(1 Question)
- Q1. What is group loans
- Ans.
Group loans are loans provided to a group of individuals who are jointly responsible for repayment.
Group loans are typically provided to a group of individuals who know each other and are willing to support each other in repayment.
Each member of the group is responsible for the repayment of the loan, and if one member defaults, the others are expected to cover the payment.
Group loans are commonly used in microfinance i...
Interview Preparation Tips
(2 Questions)
- Q1. Work experience
- Q2. Qualification
(2 Questions)
- Q1. What is your education
- Ans.
I have a Bachelor's degree in Finance and a Master's degree in Business Administration.
Bachelor's degree in Finance
Master's degree in Business Administration
- Q2. Qualification
Interview Preparation Tips
Kavya Raj
Group discussion team convinced and confident
Daily same assignment business topic my team
(1 Question)
- Q1. Any technical issue in time resolved
- Ans.
Yes, I once encountered a technical issue with our credit scoring system but resolved it by updating the software.
Identified the issue with the credit scoring system
Consulted with IT department to troubleshoot the problem
Updated the software to fix the issue
Tested the system to ensure the problem was resolved
Selected
I applied via Naukri.com and was interviewed in Nov 2024. There was 1 interview round.
(2 Questions)
- Q1. Tell me about your self
- Q2. Credit officer role in secured and unsecured landing business
Interview Preparation Tips
Selected
I applied via Referral and was interviewed in Oct 2024. There was 1 interview round.
(2 Questions)
- Q1. Technical related questions
- Q2. Product related questions
Interview Preparation Tips
(2 Questions)
- Q1. Work experience discussion
- Q2. Salary exceptions
Working natur and how to do the work operations and work policy and process
Selected
I applied via Referral and was interviewed in May 2023. There were 2 interview rounds.
(2 Questions)
- Q1. What is FOIR meaning
- Ans.
FOIR stands for Fixed Obligation to Income Ratio, a measure used by lenders to assess a borrower's ability to repay a loan.
FOIR is calculated by dividing the total fixed obligations of a borrower by their gross monthly income.
Lenders use FOIR to determine if a borrower can afford the loan repayment based on their income.
For example, if a borrower has fixed obligations of $500 and a gross monthly income of $2000, the FO
- Q2. Fixed obligation income ratio
Interview Preparation Tips
I applied via Walk-in and was interviewed in Jun 2024. There were 2 interview rounds.
(2 Questions)
- Q1. Credit officer skills
- Q2. And about the project
(2 Questions)
- Q1. About location where u want to choose
- Q2. Self introduction
Interview Preparation Tips
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Aye Finance Senior Credit Officer Reviews and Ratings
based on 3 reviews
Rating in categories
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159
salaries
|  ₹3.5 L/yr - ₹7.4 L/yr |
|
Branch Credit Officer
154
salaries
| ₹2.2 L/yr - ₹3.7 L/yr |
|
Credit Officer
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salaries
| ₹2.2 L/yr - ₹4 L/yr |
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136
salaries
| ₹1.9 L/yr - ₹3.7 L/yr |
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