Bajaj Finserv Credit Operation Executive Interview Questions and Answers

Q1. How do we do credit analysis of a company, explain in detail?
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Q1. Introduction about yourself
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Q2. Some technical questions
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Quants logical, verbal ability, situation

Q1. Tell me something about yourself
Ans. 
I am a detail-oriented credit analyst with a strong background in financial analysis and risk assessment.
• I have a Bachelor's degree in Finance and have completed courses in credit analysis.

• I have experience analyzing financial statements, assessing creditworthiness, and making recommendations for loan approvals.

• I am proficient in using financial modeling software and Excel to analyze data and create reports.

• I have exce...read more
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Q2. Finance related balance sheet cash flow
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Q1. About past experience and education
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Q1. Tell me about yourself?
Ans. 
I am a detail-oriented Credit Risk Analyst with a strong background in financial analysis and risk assessment.
• I have a Bachelor's degree in Finance and several years of experience in the banking industry.

• I am skilled in analyzing credit reports, assessing financial statements, and identifying potential risks.

• I have a proven track record of making sound credit decisions and implementing risk mitigation strategies.

• I am p...read more
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Q2. Tell me about different classes of assets
Ans. 
Different classes of assets include fixed assets, current assets, intangible assets, and financial assets.
• Fixed assets: Tangible assets like property, plant, and equipment

• Current assets: Liquid assets like cash, accounts receivable, and inventory

• Intangible assets: Non-physical assets like patents, trademarks, and goodwill

• Financial assets: Investments like stocks, bonds, and derivatives
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Logically,reasoning, maths

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...read more
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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
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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
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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...read more
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Q1. Documentation of job
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Q2. Negotiations of salary
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Q1. Knowledge about the sector you are working in and what were the responsibilities handled by you in your previous organisation?
Ans. Talk what you know with confidence and incase you dont know something, dont keep on blabbering something off topic. Tell them you dont know that and you are eager to learn these things with them.
Answered by Ankur Singh
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Q2. What do you offer that others dont ?
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