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Bajaj Finance Credit Manager Interview Questions and Answers

Updated 10 Oct 2023

Bajaj Finance Credit Manager Interview Experiences

4 interviews found

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

I applied via Referral and was interviewed before May 2022. There were 2 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. What is your past experience ?
  • Ans. 

    I have 5 years of experience as a Credit Manager in a leading financial institution.

    • Managed a portfolio of over 500 clients, ensuring timely collection of payments

    • Analyzed creditworthiness of potential clients and recommended appropriate credit limits

    • Implemented credit control procedures to minimize risk and reduce bad debt

    • Negotiated payment terms and settlements with delinquent customers

    • Collaborated with sales and fin...

  • Answered by AI
  • Q2. Are you ready and comfortable to do work on extreme hours?
  • Ans. 

    Yes

    • Yes, I am ready and comfortable to work on extreme hours.

    • I understand that the role of a Credit Manager may require working long hours to meet deadlines or handle urgent situations.

    • I have previous experience working on flexible schedules and have successfully managed high-pressure situations.

    • I am committed to delivering results and ensuring the smooth functioning of credit operations, even if it means working outsid...

  • Answered by AI

Interview Preparation Tips

Interview preparation tips for other job seekers - - Do not talk negative about your previous company.
- Be ready to be quick learner
- Be ready to be more adapting
- Be confident about your skills.
- Use any Comfort laugage ask it on the start of interview.
-Ask for feedback and follow up.
Interview experience
5
Excellent
Difficulty level
Moderate
Process Duration
Less than 2 weeks
Result
Selected Selected

I applied via Campus Placement and was interviewed before Oct 2022. There were 2 interview rounds.

Round 1 - Assignment 

First round I was given assignment of financial statements

Round 2 - HR 

(1 Question)

  • Q1. Where you will see your self after 3 years

Interview Preparation Tips

Interview preparation tips for other job seekers - Be positive mind

Credit Manager Interview Questions Asked at Other Companies

asked in HDFC Bank
Q1. If a client comes to take a loan & he haven't got any type of ... read more
asked in ICICI Bank
Q2. What are the most important ratios to analyse the balance sheet a ... read more
asked in HDFC Bank
Q3. A client comes & he wants a big loan to fund his long-term pr ... read more
asked in ICICI Bank
Q4. Which clauses are important in 3CD while sanctioning loan
asked in ICICI Bank
Q5. What are the key skills of credit manager?

I applied via Referral and was interviewed in Nov 2021. There were 3 interview rounds.

Interview Questionnaire 

1 Question

  • Q1. Ratio Analysis
  • Ans. Effects on financial ratio after addition of capital
  • Answered Anonymously

Interview Preparation Tips

Interview preparation tips for other job seekers - Confident & self assessment with knowledge
Interview experience
5
Excellent
Difficulty level
Moderate
Process Duration
-
Result
Selected Selected

I applied via Company Website and was interviewed before Dec 2021. There were 2 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. Market risk vs Business Risk
  • Ans. 

    Market risk is the risk of financial loss due to changes in market conditions, while business risk is the risk of financial loss due to factors specific to a company's operations.

    • Market risk is external and beyond the control of the company, while business risk is internal and can be managed by the company.

    • Market risk includes factors such as interest rates, inflation, and currency fluctuations, while business risk inc...

  • Answered by AI
  • Q2. What is cibil and how it help to judge the case
  • Ans. 

    CIBIL is a credit information company that maintains credit records of individuals and businesses to help lenders assess creditworthiness.

    • CIBIL stands for Credit Information Bureau (India) Limited

    • It collects and maintains credit information of individuals and businesses

    • Lenders use CIBIL reports to assess the creditworthiness of borrowers

    • CIBIL score ranges from 300 to 900, with higher scores indicating better creditwort...

  • Answered by AI

Interview Preparation Tips

Interview preparation tips for other job seekers - Best of luck if you wanna taste success in short time join the company

Bajaj Finance interview questions for designations

 Assistant Credit Manager

 (3)

 Area Credit Manager

 (1)

 Branch Credit Manager- Credit & Operations

 (1)

 Credit Operation Executive

 (3)

 Senior Credit Officer

 (1)

 Credit Sales Manager

 (3)

 Credit Operations Manager

 (1)

 Assistant Manager Collections

 (4)

Credit Manager Jobs at Bajaj Finance

View all

Interview questions from similar companies

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

(1 Question)

  • Q1. Tell me about yourself.

Interview Preparation Tips

Interview preparation tips for other job seekers - Total 2 round HR and product head

I applied via Company Website and was interviewed before Dec 2020. There was 1 interview round.

Interview Questionnaire 

3 Questions

  • Q1. What is finance Company
  • Ans. 

    A finance company is a financial institution that provides loans, investments, and other financial services to individuals and businesses.

    • Finance companies specialize in providing loans and credit to customers who may not qualify for traditional bank loans.

    • They may also offer leasing and financing options for businesses to acquire equipment and vehicles.

    • Examples of finance companies include American Express, Capital On...

  • Answered by AI
  • Q2. What is your work in this company
  • Q3. To whom will you give loan on what terms?
  • Ans. 

    I will give loans to individuals and businesses with good credit history and stable income on reasonable terms.

    • I will consider credit score and payment history of the borrower

    • I will also look at the borrower's income and employment stability

    • For businesses, I will consider their financial statements and business plan

    • I will offer reasonable interest rates and repayment terms based on the borrower's creditworthiness

    • I will...

  • Answered by AI

Interview Preparation Tips

Interview preparation tips for other job seekers - I am properly experienced in this field .

I applied via Walk-in and was interviewed before Apr 2021. There were 2 interview rounds.

Round 1 - Aptitude Test 

After Joining confirmation

Round 2 - Common interview 

(1 Question)

  • Q1. Normal credit norms and policy
  • Ans. 

    Normal credit norms and policy refer to the standard guidelines followed by a company while extending credit to its customers.

    • Credit limit is set based on the customer's creditworthiness

    • Payment terms are agreed upon between the company and the customer

    • Late payment fees and interest rates are charged for delayed payments

    • Credit checks are conducted before extending credit to new customers

    • Credit policies are reviewed peri...

  • Answered by AI

Interview Preparation Tips

Interview preparation tips for other job seekers - Good company and attractive salary and incentive.

I applied via Referral and was interviewed before Feb 2021. There were 3 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 - Technical 

(2 Questions)

  • Q1. Basic policy test of underwriting and brief introduction of self at starting
  • Q2. Market Knowledge, altitude test, case study based discussion, financial formulae check.
Round 3 - HR 

(3 Questions)

  • Q1. What are your salary expectations?
  • Q2. What is your family background?
  • Q3. Share details of your previous job.

Interview Preparation Tips

Interview preparation tips for other job seekers - Nothing as such.
No problem if reporting Manager finaalizes you.

Interview Questionnaire 

1 Question

  • Q1. There are asking to me first .me & my family background, also checking my work experience stability of job ,company detail where you go for interview products knowledge most important thing your body lang...
Interview experience
4
Good
Difficulty level
Moderate
Process Duration
2-4 weeks
Result
Selected Selected

I applied via Company Website and was interviewed in Feb 2023. There were 3 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 - HR 

(2 Questions)

  • Q1. Basic questions, Why ru lefting this job?
  • Q2. What kind of challenges face and achievements?
Round 3 - Technical 

(5 Questions)

  • Q1. Why man power services considered as a coution profile
  • Q2. GST TO is high but banking EOD balances are very poor, will you go ahead and why?
  • Ans. 

    No, high GST TO does not necessarily indicate good financial health if banking EOD balances are poor.

    • High GST TO could be due to high sales but poor collection of receivables

    • Poor banking EOD balances could indicate cash flow issues or mismanagement of funds

    • Further investigation into the reasons behind poor EOD balances is necessary before making a decision

  • Answered by AI
  • Q3. In last 12M dpds are there will you go ahead
  • Ans. 

    I would review the dpds from the last 12 months to assess the credit risk and make informed decisions.

    • Reviewing the dpds from the last 12 months helps in understanding the credit risk associated with customers.

    • Analyzing the trends in dpds can provide insights into the financial health of the customers.

    • Taking proactive measures based on the dpds data can help in minimizing credit losses.

    • Using the dpds data to adjust cre...

  • Answered by AI
  • Q4. What parameters are you checking in banking
  • Ans. 

    Parameters checked in banking include credit score, income, employment history, debt-to-income ratio, and credit report.

    • Credit score

    • Income

    • Employment history

    • Debt-to-income ratio

    • Credit report

  • Answered by AI
  • Q5. In CIBIL what r u checking and why
  • Ans. 

    In CIBIL, credit managers check credit scores and credit reports to assess an individual's creditworthiness.

    • Check credit scores to determine the individual's credit risk

    • Review credit reports for any past credit history, outstanding debts, and payment patterns

    • Assess the individual's creditworthiness based on the information obtained from CIBIL

  • Answered by AI

Interview Preparation Tips

Interview preparation tips for other job seekers - Focus on GST and Banking parameters

Bajaj Finance Interview FAQs

How many rounds are there in Bajaj Finance Credit Manager interview?
Bajaj Finance interview process usually has 2-3 rounds. The most common rounds in the Bajaj Finance interview process are Resume Shortlist, One-on-one Round and Assignment.
How to prepare for Bajaj Finance 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 Bajaj Finance. The most common topics and skills that interviewers at Bajaj Finance expect are Credit Cards, Digital Marketing, Business Development, Salesforce and Team Management.
What are the top questions asked in Bajaj Finance Credit Manager interview?

Some of the top questions asked at the Bajaj Finance Credit Manager interview -

  1. what is cibil and how it help to judge the c...read more
  2. Market risk vs Business R...read more
  3. Ratio Analys...read more

Tell us how to improve this page.

Bajaj Finance Credit Manager Interview Process

based on 4 interviews

1 Interview rounds

  • Resume Shortlist Round
View more
Bajaj Finance Credit Manager Salary
based on 211 salaries
₹2.4 L/yr - ₹9 L/yr
23% less than the average Credit Manager Salary in India
View more details

Bajaj Finance Credit Manager Reviews and Ratings

based on 89 reviews

3.6/5

Rating in categories

3.6

Skill development

2.7

Work-life balance

4.0

Salary

3.6

Job security

2.9

Company culture

3.7

Promotions

3.2

Work satisfaction

Explore 89 Reviews and Ratings
Manager - Credit Cards - RBL Cobrand - P...

Mangaluru

4-5 Yrs

Not Disclosed

Area Manager - Credit Cards - Partner 2

Hyderabad / Secunderabad

8-9 Yrs

Not Disclosed

Area Manager - Credit Cards - Partner 2/...

Ahmedabad

8-9 Yrs

Not Disclosed

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