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I applied via Referral and was interviewed before May 2022. There were 2 interview rounds.
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...
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...
I applied via Campus Placement and was interviewed before Oct 2022. There were 2 interview rounds.
First round I was given assignment of financial statements
I applied via Referral and was interviewed in Nov 2021. There were 3 interview rounds.
I applied via Company Website and was interviewed before Dec 2021. There were 2 interview rounds.
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...
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...
Bajaj Finance interview questions for designations
I applied via Naukri.com and was interviewed before Apr 2021. There were 2 interview rounds.
I applied via Company Website and was interviewed before Dec 2020. There was 1 interview round.
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...
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...
I applied via Walk-in and was interviewed before Apr 2021. There were 2 interview rounds.
After Joining confirmation
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...
I applied via Referral and was interviewed before Feb 2021. There were 3 interview rounds.
I applied via Company Website and was interviewed in Feb 2023. There were 3 interview rounds.
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
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...
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
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
based on 4 interviews
1 Interview rounds
based on 89 reviews
Rating in categories
Assistant Manager
1.4k
salaries
| ₹1.5 L/yr - ₹8.1 L/yr |
Sales Manager
820
salaries
| ₹1.2 L/yr - ₹8.5 L/yr |
Sales Executive
702
salaries
| ₹1 L/yr - ₹5 L/yr |
Sales Officer
684
salaries
| ₹1 L/yr - ₹5.2 L/yr |
Manager
659
salaries
| ₹2.8 L/yr - ₹11 L/yr |
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