Capri Global Capital Branch Credit Manager Interview Questions and Answers

Basic maths and common science exam

Q1. Inroduce urself
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Q2. What is loan procurement
Ans. 
Loan procurement is the process of obtaining a loan from a financial institution or lender.
• Involves submitting an application for a loan

• Includes providing necessary documentation such as income verification and credit history

• May require meeting certain eligibility criteria set by the lender

• Can involve negotiating loan terms and interest rates

• Examples: applying for a mortgage, car loan, or personal loan
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Q1. Income assessment done by me ?
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Income assessment is a crucial part of my role as a Branch Credit Manager.
• I assess income through pay stubs, tax returns, bank statements, and employment verification.

• I analyze the consistency and stability of income to determine creditworthiness.

• I consider sources of income, such as salary, bonuses, commissions, and rental income.

• I calculate debt-to-income ratios to assess the borrower's ability to repay loans.

• I may a...read more
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Q2. How to do income assessment of Vada Pav Vendor ?
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Assessing income of a Vada Pav vendor involves evaluating daily sales, expenses, location, customer base, and competition.
• Calculate average daily sales by observing customer traffic and pricing.

• Consider expenses such as ingredients, rent, utilities, and labor costs.

• Evaluate the location's foot traffic and potential for growth.

• Assess the vendor's customer base and loyalty.

• Analyze competition in the area and pricing stra...read more
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All related to decision making,General questions all about decision making, simple arithmetic and reasoning question but you have answer maximum number of questions in very low time that's the main task

Q1. About credit based on your past assignments and related to PD, technical,legal,, CIBIL, other related to credit underwriting and etc.,
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Q2. Credit related questions
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Q1. Tell me about yourself.
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Q2. Tell me about self and education
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Q3. Details of job related questions
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Q4. About company information
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Q1. What are your salary expectations?
Ans. 
I am open to discussing salary based on the responsibilities and requirements of the position.
• I believe that compensation should be fair and competitive within the industry.

• I am more interested in the overall package, including benefits and growth opportunities.

• I am open to negotiation and would like to learn more about the company's compensation structure.

• I am confident that my skills and experience justify a competit...read more
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Q2. What is your family background?
Ans. 
I come from a diverse family background with a mix of cultures and professions.
• My father is a doctor and my mother is a lawyer, so I have been exposed to both the medical and legal fields.

• My grandparents were immigrants from different countries, which has given me a multicultural perspective.

• Growing up, I had siblings who pursued careers in engineering and arts, providing a wide range of interests within my family.
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Q3. Share details of your previous job.
Ans. 
I worked as a Credit Manager at XYZ Bank for 3 years.
• Managed a team of 10 credit analysts and oversaw the credit approval process.

• Analyzed financial statements and credit reports to assess the creditworthiness of borrowers.

• Developed and implemented credit policies and procedures to mitigate risk.

• Collaborated with sales teams to evaluate potential clients and negotiate credit terms.

• Reduced delinquency rates by 15% throu...read more
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Q1. Branch credit manager muthoot finance work process
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Q2. Credit policy analysis
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Q3. Team management
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Q1. What is this CIBIL in customer
Ans. 
CIBIL is a credit information company that collects and maintains records of individuals' credit behavior.
• CIBIL stands for Credit Information Bureau (India) Limited.

• It provides credit scores and reports to lenders to help them assess the creditworthiness of potential borrowers.

• CIBIL scores range from 300 to 900, with higher scores indicating better creditworthiness.

• Lenders use CIBIL reports to make informed decisions o...read more
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Q2. What is this pramiry kyc and customer
Ans. 
Primary KYC (Know Your Customer) is the initial process of verifying the identity of a customer before providing financial services.
• Primary KYC involves collecting basic information such as name, address, date of birth, and identification documents.

• It is a mandatory process for financial institutions to prevent money laundering and fraud.

• Customer due diligence is also conducted during primary KYC to assess the risk ass...read more
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