Cholamandalam Investment & Finance Credit Executive Interview Questions and Answers

Quants logical, verbal ability, situation

Q1. Tell me something about yourself
Ans. 
I am a detail-oriented credit analyst with a strong background in financial analysis and risk assessment.
• I have a Bachelor's degree in Finance and have completed courses in credit analysis.

• I have experience analyzing financial statements, assessing creditworthiness, and making recommendations for loan approvals.

• I am proficient in using financial modeling software and Excel to analyze data and create reports.

• I have exce...read more
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Q2. Finance related balance sheet cash flow
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Q1. About past experience and education
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Q1. Formula regarding valuation DCF calculation formula Ratios formula and interpretation
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Valuation formulas in credit analysis
• DCF calculation formula is used to estimate the value of an investment based on its future cash flows discounted back to present value

• Ratios formula includes Debt-to-Equity ratio, Current ratio, and Interest Coverage ratio to assess a company's financial health

• Interpretation of ratios involves comparing them to industry benchmarks and historical data
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Logically,reasoning, maths

Q1. How to underwriting the case
Ans. 
Underwriting a case involves assessing the creditworthiness of a borrower to determine the risk involved in lending to them.
• Gather all necessary financial information from the borrower, such as income, assets, debts, and credit history.

• Analyze the information to determine the borrower's ability to repay the loan and their likelihood of default.

• Consider external factors such as economic conditions and industry trends th...read more
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Q2. How to CIBIL check
Ans. 
To check CIBIL score, request a report from CIBIL website or through a bank.
• Request a CIBIL report from the official CIBIL website

• Some banks offer free CIBIL score check for their customers

• Review the report for any discrepancies or errors
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Q3. How to decision making fast
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To make fast decisions, prioritize tasks, gather relevant information, set deadlines, trust your instincts, and seek input from others.
• Prioritize tasks based on urgency and importance

• Gather all relevant information quickly

• Set deadlines for decision-making to avoid procrastination

• Trust your instincts and past experiences

• Seek input from colleagues or experts for different perspectives
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Q4. How manage sales team
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Sales team can be managed by setting clear goals, providing training and support, monitoring performance, and fostering a positive team culture.
• Set clear goals and expectations for the sales team to work towards.

• Provide ongoing training and support to help team members improve their skills.

• Monitor performance regularly and provide feedback to help team members reach their targets.

• Foster a positive team culture by encou...read more
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Q1. Documentation of job
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Q2. Negotiations of salary
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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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Q1. Ratios to identify a healthy company
Ans. 
Healthy companies have high liquidity, profitability, and solvency ratios.
• Liquidity ratios measure a company's ability to meet short-term obligations. Examples include current ratio and quick ratio.

• Profitability ratios measure a company's ability to generate profits. Examples include return on assets and return on equity.

• Solvency ratios measure a company's ability to meet long-term obligations. Examples include debt-to...read more
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Q2. Is better to take loan or raise equity for a manufacturing company
Ans. 
It depends on the company's financial situation and goals.
• If the company has a strong credit history and cash flow, a loan may be a better option as it allows the company to maintain ownership and control.

• If the company is in a growth phase and needs more capital, raising equity may be a better option as it brings in new investors and can provide more flexibility in terms of repayment.

• Ultimately, the decision should be...read more
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