Cholamandalam Investment & Finance Branch Credit Operations Manager Interview Questions and Answers

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Case study preparation on any listed company of your choice

Q1. Questions on case study
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Q2. Ratios and their importance
Ans. 
Ratios are key financial metrics used to evaluate a company's performance and financial health.
• Ratios help in analyzing the efficiency, profitability, and liquidity of a company.

• Common ratios include debt-to-equity ratio, current ratio, and return on equity.

• They provide insights into how well a company is utilizing its resources and managing its finances.

• Ratios are compared to industry benchmarks or historical data to ...read more
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Q1. Negotiation on salary
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Q1. Can you provide an introduction about yourself and your work experience?
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Q1. Can you provide details about your previous experience?
Ans. 
I have over 5 years of experience in credit management, including analyzing credit reports, setting credit limits, and managing collections.
• Analyzed credit reports to assess creditworthiness of customers

• Set credit limits based on risk assessment

• Managed collections process to ensure timely payments

• Implemented credit policies and procedures to minimize risk
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Q2. What do you know about personal loans?
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Personal loans are unsecured loans provided by financial institutions to individuals for various purposes.
• Personal loans are unsecured, meaning they do not require collateral.

• They can be used for various purposes such as debt consolidation, home improvement, or unexpected expenses.

• Interest rates on personal loans can vary based on the borrower's credit score and financial history.

• Repayment terms for personal loans are ...read more
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