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Bajaj Finserv Credit Manager Interview Questions and Answers

Updated 1 Feb 2025

Bajaj Finserv Credit Manager Interview Experiences

4 interviews found

Credit Manager Interview Questions & Answers

user image Pramila Kantipudi

posted on 1 Feb 2025

Interview experience
5
Excellent
Difficulty level
Easy
Process Duration
2-4 weeks
Result
Selected Selected

I was interviewed in Jan 2025.

Round 1 - Virtual interview 

(2 Questions)

  • Q1. Can you provide details about your previous experience?
  • Q2. What do you know about personal loans?

Credit Manager Interview Questions & Answers

user image Diptesh kumar

posted on 17 Jan 2025

Interview experience
4
Good
Difficulty level
Moderate
Process Duration
Less than 2 weeks
Result
Selected Selected

I applied via LinkedIn and was interviewed in Jul 2024. There was 1 interview round.

Round 1 - One-on-one 

(1 Question)

  • Q1. Can you provide an introduction about yourself and your work experience?

Interview Preparation Tips

Interview preparation tips for other job seekers - Good and fast process less doc with timely

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 Feb 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 - Technical 

(2 Questions)

  • Q1. Different financial terms such as RTGS, CIBIL, ECS, NACH, FOIR and etc
  • Ans. 

    These are various financial terms used in banking and credit management.

    • RTGS (Real Time Gross Settlement) is a system used for fund transfers between banks in real-time.

    • CIBIL (Credit Information Bureau India Limited) is a credit information company that maintains credit records of individuals and companies.

    • ECS (Electronic Clearing Service) is a system used for electronic fund transfers between banks.

    • NACH (National Auto...

  • Answered by AI
  • Q2. Are you satisfied with given work location or not

Interview Preparation Tips

Interview preparation tips for other job seekers - Know all important banking terms mentioned above through google or any other source and be prepared for the worst scenario you will succeed

I applied via LinkedIn and was interviewed in Sep 2021. There was 1 interview round.

Interview Questionnaire 

1 Question

  • Q1. Previous work experience asked at tge time of interview.

Interview Preparation Tips

Interview preparation tips for other job seekers - Face interview strongly without any hesitation

Bajaj Finserv interview questions for designations

 Area Credit Manager

 (1)

 Assistant Credit Manager

 (1)

 Credit Officer

 (1)

 Credit Operation Executive

 (3)

 Assistant Manager Collections

 (6)

 Credit Sales Officer

 (1)

 Credit Card Executive

 (1)

 Collections Manager

 (13)

Interview questions from similar companies

Interview experience
4
Good
Difficulty level
-
Process Duration
-
Result
-
Round 1 - Technical 

(1 Question)

  • Q1. About past experience and education
Interview experience
4
Good
Difficulty level
Moderate
Process Duration
4-6 weeks
Result
Selected Selected

I applied via Company Website and was interviewed in Oct 2023. There were 4 interview rounds.

Round 1 - HR 

(1 Question)

  • Q1. Basic question related to resume
Round 2 - Technical 

(2 Questions)

  • Q1. Interviewed by RCM
  • Q2. Questions were majorly related to financial, products and mortgage
Round 3 - Technical 

(2 Questions)

  • Q1. Interviewed by ZCM
  • Q2. Questions were related to Mortgages, Legal, Margin, LTV processing and team handling
Round 4 - HR 

(1 Question)

  • Q1. Last round from senior HR, it was personality or behavioural test or kind of psychological. But was very interesting

Interview Preparation Tips

Interview preparation tips for other job seekers - Be confident, truthful and accept if you dont know something but show your willingness to learn and adapt to given situation
Interview experience
4
Good
Difficulty level
Moderate
Process Duration
2-4 weeks
Result
Selected Selected

I applied via Naukri.com and was interviewed in Apr 2023. There were 5 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 - Aptitude Test 

An online assesment will be taken wherein scenario based MCQ will be available

Round 3 - HR 

(4 Questions)

  • Q1. Brief introduction
  • Q2. Reasons for switching
  • Ans. 

    Seeking new challenges and growth opportunities in a different company.

    • Desire for career advancement

    • Interest in exploring new industries or sectors

    • Seeking better work-life balance

    • Company restructuring or downsizing

    • Relocation to a different city or country

  • Answered by AI
  • Q3. Current and expected ctc
  • Q4. Preferred job location
Round 4 - Technical 

(4 Questions)

  • Q1. Questions related to your domain experience
  • Q2. Application know how
  • Q3. Improvement Ideas and projects shared in the previous organisations
  • Q4. Why do you want to switch
Round 5 - Senior leadership 

(3 Questions)

  • Q1. Reason for switching
  • Ans. 

    Seeking new challenges and growth opportunities in a larger organization.

    • Desire for career advancement

    • Opportunity to work with a larger team

    • Seeking new challenges

    • Interest in exploring different industries

  • Answered by AI
  • Q2. Appreciations recieved if any
  • Ans. 

    Received multiple appreciations from clients for resolving credit issues promptly and effectively.

    • Implemented new credit evaluation process resulting in faster approvals

    • Negotiated payment plans with delinquent customers to prevent further credit issues

    • Provided training to team members on credit management best practices

    • Received 'Employee of the Month' award for exceptional performance in credit management

  • Answered by AI
  • Q3. Scenario based questions focussed on how you would act in a certain situation

Interview Preparation Tips

Interview preparation tips for other job seekers - Reason for switch should be kept concrete and precise. It would be repeatedly asked in almost every round and any variation found would be questioned upon
Interview experience
5
Excellent
Difficulty level
Moderate
Process Duration
2-4 weeks
Result
Selected Selected

I applied via Approached by Company and was interviewed before Nov 2023. There were 3 interview rounds.

Round 1 - Aptitude Test 

Logically,reasoning, maths

Round 2 - One-on-one 

(4 Questions)

  • Q1. How to underwriting the case
  • Ans. 

    Underwriting a case involves assessing the creditworthiness of a borrower to determine the risk involved in lending to them.

    • Gather all necessary financial information from the borrower, such as income, assets, debts, and credit history.

    • Analyze the information to determine the borrower's ability to repay the loan and their likelihood of default.

    • Consider external factors such as economic conditions and industry trends th...

  • Answered by AI
  • Q2. How to CIBIL check
  • Ans. 

    To check CIBIL score, request a report from CIBIL website or through a bank.

    • Request a CIBIL report from the official CIBIL website

    • Some banks offer free CIBIL score check for their customers

    • Review the report for any discrepancies or errors

  • Answered by AI
  • Q3. How to decision making fast
  • Ans. 

    To make fast decisions, prioritize tasks, gather relevant information, set deadlines, trust your instincts, and seek input from others.

    • Prioritize tasks based on urgency and importance

    • Gather all relevant information quickly

    • Set deadlines for decision-making to avoid procrastination

    • Trust your instincts and past experiences

    • Seek input from colleagues or experts for different perspectives

  • Answered by AI
  • Q4. How manage sales team
  • Ans. 

    Sales team can be managed by setting clear goals, providing training and support, monitoring performance, and fostering a positive team culture.

    • Set clear goals and expectations for the sales team to work towards.

    • Provide ongoing training and support to help team members improve their skills.

    • Monitor performance regularly and provide feedback to help team members reach their targets.

    • Foster a positive team culture by encou...

  • Answered by AI
Round 3 - HR 

(2 Questions)

  • Q1. Documentation of job
  • Q2. Negotiations of salary

Interview Preparation Tips

Interview preparation tips for other job seekers - Everything ok
Interview experience
5
Excellent
Difficulty level
Moderate
Process Duration
Less than 2 weeks
Result
Selected Selected

I applied via Approached by Company and was interviewed in Sep 2023. There were 3 interview rounds.

Round 1 - Resume Shortlist 
Pro Tip by AmbitionBox:
Don’t add your photo or details such as gender, age, and address in your resume. These details do not add any value.
View all tips
Round 2 - One-on-one 

(1 Question)

  • Q1. About underwriting norms and financial ratio related questions, legal technical related questions
Round 3 - HR 

(1 Question)

  • Q1. Basics norms of work profile & why change the job change...?

Interview Preparation Tips

Interview preparation tips for other job seekers - Good knowledge of underwriting & knowledge of financial ratio, legal technical knowledge required for LAP product
Interview experience
4
Good
Difficulty level
Moderate
Process Duration
2-4 weeks
Result
Selected Selected

I applied via Referral and was interviewed before Apr 2023. There were 3 interview rounds.

Round 1 - Case Study 

Case study preparation on any listed company of your choice

Round 2 - Technical 

(2 Questions)

  • Q1. Questions on case study
  • Q2. Ratios and their importance
  • Ans. 

    Ratios are key financial metrics used to evaluate a company's performance and financial health.

    • Ratios help in analyzing the efficiency, profitability, and liquidity of a company.

    • Common ratios include debt-to-equity ratio, current ratio, and return on equity.

    • They provide insights into how well a company is utilizing its resources and managing its finances.

    • Ratios are compared to industry benchmarks or historical data to ...

  • Answered by AI
Round 3 - HR 

(1 Question)

  • Q1. Negotiation on salary

Bajaj Finserv Interview FAQs

How many rounds are there in Bajaj Finserv Credit Manager interview?
Bajaj Finserv interview process usually has 1-2 rounds. The most common rounds in the Bajaj Finserv interview process are Technical, One-on-one Round and Resume Shortlist.
How to prepare for Bajaj Finserv 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 Finserv. The most common topics and skills that interviewers at Bajaj Finserv expect are Credit Operations, Data Analysis, Interpersonal Skills, MIS and Sales.
What are the top questions asked in Bajaj Finserv Credit Manager interview?

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

  1. Different financial terms such as RTGS, CIBIL, ECS, NACH, FOIR and ...read more
  2. What do you know about personal loa...read more
  3. Can you provide an introduction about yourself and your work experien...read more

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Bajaj Finserv Credit Manager Interview Process

based on 6 interviews

Interview experience

4.5
  
Good
View more
Bajaj Finserv Credit Manager Salary
based on 386 salaries
₹2.5 L/yr - ₹8.5 L/yr
23% less than the average Credit Manager Salary in India
View more details

Bajaj Finserv Credit Manager Reviews and Ratings

based on 97 reviews

3.7/5

Rating in categories

3.6

Skill development

2.9

Work-life balance

4.1

Salary

3.9

Job security

3.3

Company culture

3.6

Promotions

3.4

Work satisfaction

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