Bajaj Finserv Assistant Manager Interview Questions, Process, and Tips

Q1. How we can choose a good customer to provide loan ?
Ans. 
A good customer for a loan should have a stable income, good credit history, and low debt-to-income ratio.
• Look for customers with a stable source of income to ensure they can repay the loan.

• Check the customer's credit history to assess their ability to manage debt responsibly.

• Consider the customer's debt-to-income ratio to determine if they can afford the loan payments.

• Evaluate the customer's overall financial stabilit...read more
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Q2. What are the meaning of DBD, Write off, settlement, OD, NPA in cibil report?
Ans. 
DBD, Write off, settlement, OD, NPA are terms related to credit reports in CIBIL.
• DBD stands for Days Beyond Due, indicating the number of days a payment is overdue.

• Write off refers to the amount of debt that a lender is unable to collect and considers as a loss.

• Settlement is an agreement between the borrower and lender to pay a reduced amount to settle a debt.

• OD stands for Overdraft, which allows the account holder to ...read more
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Q1. About tell me
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Q2. Total Experience
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Collection on time and maintenance portfolio

Timely response for my cases and allocation my DCA

Q1. Collection on time and maintain portfolio rating
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Q2. Recovery timely first
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Q3. Ensure all customers to maintain his own account
Ans. 
Customers must maintain their own account. Answer how to ensure this.
• Educate customers on the importance of maintaining their own account

• Provide clear instructions on how to access and manage their account

• Offer customer support and assistance when needed

• Implement security measures to prevent unauthorized access to accounts
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Allocation to my colleague and my DCA

Great opportunity given by Bajaj finance

Q1. Perfect plan for daily basis collection and separate policy
Ans. 
A perfect plan for daily basis collection and separate policy involves setting clear goals, establishing efficient processes, and regularly monitoring progress.
• Define clear goals for daily collection targets and separate policy guidelines

• Establish efficient processes for collecting payments and enforcing policies

• Regularly monitor progress and adjust strategies as needed

• Provide training and support to staff to ensure ad...read more
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Maths solving and general questions

Q1. Some general questions were asked by hr related to our personal life
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Q2. What's your income ..if you want to go for abroad?
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Q3. Are you going to join in government job
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Q4. How long do you work for our company
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Q1. Previous org details were asked
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Q2. Targets wers asked, which i had achieved
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