Bajaj Housing Finance Credit Manager Interview Questions and Answers

Commercial vehicles include trucks, vans, buses, and trailers.

• Trucks: Used for transporting goods, such as pickup trucks, delivery trucks, and semi-trucks.

• Vans: Typically used for transporting goods or people, such as cargo vans or passenger vans.

• Buses: Used for transporting large groups of people, such as school buses or city buses.

• Trailers: Attached to trucks or vans to transport goods, such as flatbed trailers or re

In CIBIL, I check the credit history and credit score of the customer. Before funding, I analyze the customer's financial stability, income, existing debts, and repayment history.

• Check credit history and credit score in CIBIL

• Analyze customer's financial stability

• Assess customer's income and existing debts

• Evaluate customer's repayment history

• Consider any previous defaults or delinquencies

DPD stands for Days Past Due. Payment history and credit utilization are more important to analyze creditworthiness.

• DPD is a measure of how many days a payment is overdue

• It is important to analyze payment history to determine if the customer pays on time

• Credit utilization is also important as it shows how much credit the customer is using compared to their limit

• Both factors can indicate the customer's ability to manage...read more