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Normal credit policy and process involves assessing creditworthiness of customers and setting credit limits accordingly.
Assessing creditworthiness through credit reports, financial statements, and payment history
Setting credit limits based on customer's creditworthiness and payment history
Monitoring credit limits and payment history regularly
Taking necessary actions in case of late payments or default
Regularly reviewin
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posted on 19 Aug 2024
I applied via Naukri.com and was interviewed in Feb 2024. There was 1 interview round.
Seeking new challenges and growth opportunities in a larger organization.
Desire for career advancement
Interest in taking on more responsibilities
Looking for a change in work environment
Seeking better compensation or benefits
Wanting to work for a more reputable company
Evaluate customer credit worthiness by analyzing financial history, credit score, income, and payment behavior.
Check credit score and credit history
Analyze income and employment stability
Review payment behavior on previous debts
Consider debt-to-income ratio
Look for any outstanding loans or bankruptcies
Evaluate the length of credit history
I want to join HDB because of its strong reputation in the industry and the opportunities for growth and development.
HDB has a strong reputation in the industry for providing excellent financial services
I am impressed by HDB's commitment to employee growth and development
I believe that my skills and experience align well with the values and goals of HDB
posted on 12 Dec 2024
Cpv home and office and reference check
Discuss the verification process
posted on 7 Jan 2025
I was interviewed in Jul 2024.
posted on 18 Oct 2023
I applied via Job Portal and was interviewed in Sep 2023. There were 3 interview rounds.
posted on 3 Mar 2024
I applied via Campus Placement and was interviewed in Sep 2023. There were 2 interview rounds.
Mathematic numericals
The loan process involves application, verification, approval, disbursement, and repayment.
Application: Borrower submits application with required documents.
Verification: Lender verifies borrower's information and creditworthiness.
Approval: Lender approves or denies the loan based on the verification.
Disbursement: If approved, funds are disbursed to the borrower.
Repayment: Borrower repays the loan amount with interest
posted on 2 Nov 2024
I applied via Campus Placement and was interviewed before Nov 2023. There was 1 interview round.
Liquidity ratio is a financial metric used to measure a company's ability to pay off its short-term debts with its liquid assets.
Liquidity ratio indicates the company's ability to meet its short-term obligations.
Common liquidity ratios include current ratio and quick ratio.
Current ratio = Current Assets / Current Liabilities
Quick ratio = (Current Assets - Inventory) / Current Liabilities
posted on 22 Oct 2023
I applied via Walk-in and was interviewed in Feb 2023. There were 2 interview rounds.
posted on 27 Apr 2023
I applied via Naukri.com and was interviewed in Oct 2022. There were 4 interview rounds.
The current job is the position of Branch Credit Manager.
Responsible for managing credit operations and ensuring compliance with credit policies and procedures.
Evaluate creditworthiness of customers and make decisions on credit approvals and limits.
Monitor and analyze credit portfolio performance and identify potential risks.
Collaborate with sales teams to support credit decisions and resolve credit-related issues.
Main...
posted on 13 Feb 2022
I applied via Referral and was interviewed in Aug 2021. There were 7 interview rounds.
Share with credit experience
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