Capri Global Capital Branch Credit Manager Interview Questions and Answers for Experienced

Q1. What is the business vintage & stability spoof & whats the reason s to reject files, business profile,banking statement, about technical report how to
Ans. 
Business vintage & stability spoof refers to the falsification of business history and financial stability to deceive lenders. Reasons to reject files include inconsistencies in business profile, banking statements, and technical reports.
• Business vintage refers to the length of time a business has been operating. Lenders look for established businesses with a proven track record.

• Stability spoof involves presenting fals...read more
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Q1. Where is the contingent liability appear in FS?
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Contingent liabilities appear in the financial statements as a footnote or disclosure.
• Contingent liabilities are disclosed in the notes to the financial statements.

• They are potential liabilities that may arise in the future based on certain events.

• Examples include lawsuits, warranties, and guarantees.

• They are not recorded on the balance sheet but can have a significant impact on the company's financial health.
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Q1. Why do you want to join hdfc bank?
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General awareness and competitive test

Q1. Salary negotiation and job profile discussed
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Returns test given by myself

Q1. Face to face round taken by Regional Business Head
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Q2. What is 2515? Wis difference between commercial car and private car?
Ans. 
Commercial cars are used for business purposes, while private cars are for personal use.
• Commercial cars are typically owned by companies and used for transportation of goods or services.

• Private cars are owned by individuals and used for personal transportation.

• Commercial cars may have special features like cargo space or signage for advertising.

• Private cars are usually smaller and designed for passenger comfort.

• Commerc...read more
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For management trainee there will be 100 questions and you have to correct atleast 50 questions to qualify the aptitude test.

Q1. In which year Shriram Group found
Ans. 
Shriram Group was founded in 1974.
• Shriram Group is a financial services conglomerate based in India.

• It was founded by R. Thyagarajan, AVS Raja and T. Jayaraman.

• The group has businesses in areas such as commercial vehicle financing, consumer finance, life insurance, and more.

• It has over 40,000 employees and serves over 9 million customers.

• The group's flagship company is Shriram Transport Finance Company (STFC), which wa
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Q2. Basic simple interest rates questions
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Q3. How to do collection for a default case
Ans. 
Collection for a default case involves following up with the customer and negotiating a payment plan.
• Contact the customer to understand the reason for default

• Negotiate a payment plan that suits both parties

• Follow up with the customer regularly to ensure payments are made on time

• Consider legal action as a last resort
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Q4. How we can source a vehicle loan from market
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To source a vehicle loan from the market, we can follow these pointers:
• Identify potential lenders such as banks, credit unions, and online lenders

• Compare interest rates, loan terms, and fees offered by different lenders

• Check eligibility criteria and required documents for loan application

• Submit loan application with necessary documents and wait for approval

• Negotiate terms and conditions with the lender to get the best ...read more
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Q5. Difference between private number and comercial number plate
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Private number plates are personalized plates for personal vehicles while commercial number plates are for business vehicles.
• Private number plates are chosen by individuals and are often personalized with names, initials, or special numbers.

• Commercial number plates are issued to vehicles used for business purposes such as delivery trucks or taxis.

• Private number plates are not allowed to be used on commercial vehicles a...read more
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