Capital India Group Senior Credit Executive Interview Questions and Answers

Verbal and novarbal questions

Q1. About your self?
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Q2. Tell about your previous experience?
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They ask about credit analysis

Q1. Tell me about your self
Ans. 
I am a detail-oriented and analytical individual with a strong background in credit and risk analysis.
• Strong analytical skills

• Detail-oriented

• Background in credit and risk analysis
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Q2. Why are you join this company
Ans. 
I am excited to join this company because of its strong reputation in the industry and the opportunities for growth and development.
• Strong reputation in the industry

• Opportunities for growth and development

• Excited about the company's values and culture
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Q1. Why should we hire you?
Ans. 
I have a strong background in credit analysis and risk assessment, with a proven track record of making sound lending decisions.
• I have X years of experience in credit analysis and risk assessment.

• I have a proven track record of making sound lending decisions.

• I am detail-oriented and have strong analytical skills.

• I am familiar with industry regulations and compliance standards.

• I have excellent communication and interper...read more
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Q2. Why do you think your growth will be here?
Ans. 
I believe my growth will be here due to my strong work ethic, dedication to learning, and ability to adapt to new challenges.
• I have a proven track record of exceeding targets and taking on additional responsibilities in my previous roles.

• I am constantly seeking out opportunities for professional development and further education to enhance my skills.

• I am adaptable and thrive in fast-paced environments, which will allow
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English Grammer ,walkin

Q1. Why did you choose amazon?
Ans. 
I chose Amazon because of its innovative culture, global impact, and opportunities for growth.
• Innovative culture: Amazon is known for its cutting-edge technology and constant innovation.

• Global impact: Amazon operates on a global scale, reaching millions of customers worldwide.

• Opportunities for growth: Amazon offers a wide range of career opportunities and the chance to work on challenging projects.
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Q2. Leadership priciples in amazon
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Q1. What is OTC and its functions
Ans. 
OTC stands for Over-The-Counter and refers to the trading of financial instruments directly between two parties without the involvement of an exchange.
• OTC trading is done through a dealer network rather than a centralized exchange

• OTC markets are less regulated than exchange-traded markets

• OTC markets include trading of stocks, bonds, derivatives, and currencies

• OTC trading allows for greater flexibility in terms of contr...read more
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Q2. Ageing bucket means and characteristics
Ans. 
Ageing bucket refers to the categorization of overdue debts based on the number of days they have been outstanding.
• Ageing bucket is used to track the payment status of accounts receivable.

• It helps in identifying the accounts that are overdue and need immediate attention.

• The buckets are usually categorized as 0-30 days, 31-60 days, 61-90 days, and 90+ days.

• The longer the debt remains unpaid, the higher the risk of defau...read more
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Q1. Do you know about CIBIL
Ans. 
CIBIL is a credit information company that provides credit scores to individuals based on their credit history.
• CIBIL stands for Credit Information Bureau (India) Limited

• It is one of the four credit information companies in India

• CIBIL collects and maintains records of individuals' credit information, including loans and credit card payments

• Credit scores provided by CIBIL range from 300 to 900, with higher scores indicat
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Q2. What are the documents required for salaries persona
Ans. 
Documents required for salaries persona
• Proof of identity (e.g. passport, driver's license)

• Proof of address (e.g. utility bill, bank statement)

• Bank account details for salary transfer

• Tax identification number (e.g. Social Security Number)

• Employment contract or offer letter
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Q1. Tell me about your school and college exposure
Ans. This is to check our communication skill
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Q1. How does a bank analyse the creditworthiness of a company
Ans. 
Banks analyze the creditworthiness of a company by assessing its financial statements, credit history, industry trends, and management team.
• Evaluate financial statements to assess profitability, liquidity, and leverage ratios

• Review credit history and payment patterns to determine past credit behavior

• Analyze industry trends and economic conditions to assess the company's competitive position

• Assess the management team's ...read more
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