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Bajaj Housing Finance Credit Officer Interview Questions and Answers

Updated 2 Jun 2024

Bajaj Housing Finance Credit Officer Interview Experiences

2 interviews found

Interview experience
5
Excellent
Difficulty level
Moderate
Process Duration
Less than 2 weeks
Result
Selected Selected

I applied via Walk-in and was interviewed before Oct 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 - One-on-one 

(3 Questions)

  • Q1. What do you know about loans
  • Ans. 

    Loans are financial agreements where a lender provides funds to a borrower, who agrees to repay the loan with interest over a set period of time.

    • Loans involve a lender providing funds to a borrower, who agrees to repay the loan amount along with interest.

    • There are different types of loans such as personal loans, home loans, car loans, and business loans.

    • Interest rates on loans can be fixed or variable depending on the ...

  • Answered by AI
  • Q2. Some questions were asked regarding the loan like what is a FOIR
  • Q3. How to check bank statement
  • Ans. 

    To check a bank statement, log in to your online banking account or visit a branch to request a printed statement.

    • Log in to your online banking account using your username and password

    • Navigate to the section where you can view your account statements

    • Select the time period for which you want to view the statement

    • Download or print the statement for your records

    • If you prefer a printed statement, visit a branch and request

  • Answered by AI
Interview experience
5
Excellent
Difficulty level
Moderate
Process Duration
Less than 2 weeks
Result
Selected Selected

I applied via Walk-in and was interviewed in Jun 2022. There was 1 interview round.

Round 1 - One-on-one 

(2 Questions)

  • Q1. Simple and quick
  • Q2. Self introduction and about on related to finance and banking related quation

Interview Preparation Tips

Interview preparation tips for other job seekers - Nice place to work , friends and freely workzone

Credit Officer Interview Questions Asked at Other Companies

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Interview questions from similar companies

I applied via Approached by Company and was interviewed before Apr 2021. There were 3 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 - HR 

(5 Questions)

  • Q1. What is your family background?
  • Q2. Share details of your previous job.
  • Q3. Why are you looking for a change?
  • Q4. What are your strengths and weaknesses?
  • Q5. Tell me about yourself.
Round 3 - HR 

(1 Question)

  • Q1. What are your salary expectations?

Interview Preparation Tips

Interview preparation tips for other job seekers - Offer emotional support. One of the first thing that can do to help a job seeker is to emotional support

I applied via Referral and was interviewed before May 2020. There were 4 interview rounds.

Interview Questionnaire 

3 Questions

  • Q1. Mostly about product and financials
  • Q2. Market knowledge
  • Q3. Behavior and body language

Interview Preparation Tips

Interview preparation tips for other job seekers - need to have clear product and market knowledge especially about HCV segment strong financials knowledge and positive outlook, body language

I applied via Referral and was interviewed before Apr 2019. There were 3 interview rounds.

Interview Questionnaire 

3 Questions

  • Q1. Basicly depend about ur previous experiece and ur education ur hobby and they seen ur confidence
  • Q2. What you know about credit
  • Ans. 

    Credit refers to the ability of a borrower to receive funds from a lender with the promise of repayment with interest.

    • Credit is a financial tool used by individuals and businesses to access funds they may not have immediately available.

    • Credit can come in many forms, such as loans, credit cards, and lines of credit.

    • Credit is typically granted based on the borrower's creditworthiness, which is determined by factors such ...

  • Answered by AI
  • Q3. How u handle a customer and what question u asked from customer to help credit approval

Interview Preparation Tips

Interview preparation tips for other job seekers - make ur confidence to high all of question put up related to credit and ur work and ur previous exp

I applied via Company Website and was interviewed before Jul 2020. There was 1 interview round.

Interview Preparation Tips

Interview preparation tips for other job seekers - Online interview Monday to Friday

Interview Questionnaire 

1 Question

  • Q1. Why you chnge this job

I applied via Other and was interviewed before Jan 2021. There were 3 interview rounds.

Interview Questionnaire 

7 Questions

  • Q1. Working capital
  • Ans. To cater the need of current assets
  • Answered Anonymously
  • Q2. What is Leverage
  • Ans. 

    Leverage is the use of borrowed funds to increase potential returns on an investment.

    • Leverage involves borrowing money to invest in an asset with the hope of earning a higher return than the cost of borrowing.

    • It amplifies both gains and losses, so it can increase potential profits but also increase risk.

    • Examples of leverage include using a mortgage to buy a house or using margin to buy stocks.

    • Leverage is commonly used ...

  • Answered by AI
  • Q3. Strength of company to lift the obligation of company
  • Q4. Salary expectation
  • Q5. As per industry norms
  • Q6. Education background
  • Q7. I added my qualifications

Interview Preparation Tips

Interview preparation tips for other job seekers - Listen interview questions properly then answer

I was interviewed before Nov 2021.

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. 1) Introduction Since i had mentioned forex in my resume many of the questions revolved around bill of entry, shipping bill lodgement and realization 2) question on BG, expiry and claim expiry 3) question...
  • Q2. What should be the mode of operation for an NRO account in which NRI is the first holder and spouse living in India is the second holder
  • Ans. 

    NRO account mode of operation for NRI first holder and spouse in India as second holder

    • The NRI should be the primary account holder

    • The spouse can be added as a joint account holder

    • The account can be operated jointly or severally

    • The account can be used for receiving income in India and abroad

    • The account can be used for making local payments in India

    • The account can be used for repatriation of funds abroad

  • Answered by AI
Round 3 - Technical 

(2 Questions)

  • Q1. Documents executed for a mortgage loan
  • Ans. 

    Documents required for a mortgage loan

    • Mortgage application form

    • Income proof (pay stubs, tax returns)

    • Credit report

    • Property appraisal report

    • Title report

    • Homeowner's insurance policy

    • Deed of trust or mortgage

    • Promissory note

  • Answered by AI
  • Q2. Questions related to hometown and latest developments in the zone

Interview Preparation Tips

Interview preparation tips for other job seekers - Be thorough with your own role. It helps to base your answers on your practical experience and narrate scenarios.
Interview experience
3
Average
Difficulty level
Hard
Process Duration
6-8 weeks
Result
Not Selected

I applied via Walk-in and was interviewed in Aug 2022. There were 3 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 

Due to self interdiction & current Job & family details .

Round 3 - Group Discussion 

Due to working discussion & job role policy & criteria as per bank policy.

Interview Preparation Tips

Interview preparation tips for other job seekers - Due to last interview you will selected hr called you as policy.you will wait.

Bajaj Housing Finance Interview FAQs

How many rounds are there in Bajaj Housing Finance Credit Officer interview?
Bajaj Housing Finance interview process usually has 1-2 rounds. The most common rounds in the Bajaj Housing Finance interview process are One-on-one Round and Resume Shortlist.
What are the top questions asked in Bajaj Housing Finance Credit Officer interview?

Some of the top questions asked at the Bajaj Housing Finance Credit Officer interview -

  1. What do you know about lo...read more
  2. How to check bank statem...read more
  3. Some questions were asked regarding the loan like what is a F...read more

Tell us how to improve this page.

Bajaj Housing Finance Credit Officer Interview Process

based on 4 interviews

Interview experience

5
  
Excellent
View more
Bajaj Housing Finance Credit Officer Salary
based on 131 salaries
₹1.9 L/yr - ₹3.2 L/yr
33% less than the average Credit Officer Salary in India
View more details

Bajaj Housing Finance Credit Officer Reviews and Ratings

based on 37 reviews

3.8/5

Rating in categories

4.1

Skill development

3.0

Work-life balance

3.3

Salary

3.4

Job security

3.3

Company culture

2.9

Promotions

3.4

Work satisfaction

Explore 37 Reviews and Ratings
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