Capri Global Housing Finance Area Credit Manager Interview Questions and Answers

Q1. How do we do credit analysis of a company, explain in detail?
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Q1. Introduction about yourself
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Q2. Some technical questions
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Q1. Explain PD and LGD models
Ans. 
PD and LGD models are used in credit analysis to estimate the probability of default and loss given default.
• PD (Probability of Default) model estimates the likelihood of a borrower defaulting on a loan.

• LGD (Loss Given Default) model estimates the amount of loss a lender may incur if a borrower defaults.

• These models are used by credit analysts to assess credit risk and make informed lending decisions.

• PD models often use...read more
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Q2. What is the difference between Basel and IFRS9 norms
Ans. 
Basel norms focus on capital adequacy and risk management for banks, while IFRS9 norms focus on accounting standards for financial instruments.
• Basel norms are set by the Basel Committee on Banking Supervision to ensure banks maintain adequate capital to cover risks.

• IFRS9 norms are accounting standards set by the International Financial Reporting Standards Foundation to address classification and measurement of financia...read more
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Q1. General questions
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Q1. Why do you want to join
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Q1. About past experience and education
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Q1. Tell me about yourself?
Ans. 
I am a detail-oriented Credit Risk Analyst with a strong background in financial analysis and risk assessment.
• I have a Bachelor's degree in Finance and several years of experience in the banking industry.

• I am skilled in analyzing credit reports, assessing financial statements, and identifying potential risks.

• I have a proven track record of making sound credit decisions and implementing risk mitigation strategies.

• I am p...read more
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Q2. Tell me about different classes of assets
Ans. 
Different classes of assets include fixed assets, current assets, intangible assets, and financial assets.
• Fixed assets: Tangible assets like property, plant, and equipment

• Current assets: Liquid assets like cash, accounts receivable, and inventory

• Intangible assets: Non-physical assets like patents, trademarks, and goodwill

• Financial assets: Investments like stocks, bonds, and derivatives
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Q1. Scenario based
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Q2. How to manage sales pressure and Team management
Ans. 
Sales pressure can be managed by setting realistic targets, providing support to the team, and fostering a positive work environment.
• Set realistic sales targets based on market trends and team capabilities

• Provide regular training and support to help the team meet their targets

• Create a positive work environment by recognizing and rewarding achievements

• Encourage open communication and feedback to address any issues or co...read more
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Q1. They just asked me the introduction and my previous package
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Basic comprehensive english, reasoning etc

Q1. Introduce yourself
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Q2. Why american express
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Q3. Why do you want to switch
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Q4. Have you ever has a conflict with any of your coworker?
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Q5. What are the things you’d want your current manager to improve
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