CreditAccess Grameen Branch Credit Manager Interview Questions and Answers

Team handling and good leadership

Q1. Leadership skill and how to do customer service
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If any problem is come how to handle smoothly

Q1. How to do profit making in branch
Ans. 
Profit making in a branch requires effective management of resources and maximizing revenue streams.
• Identify and prioritize profitable products/services

• Reduce unnecessary expenses and optimize resource allocation

• Increase customer base through effective marketing and customer service

• Encourage cross-selling and upselling to existing customers

• Regularly analyze financial statements and adjust strategies accordingly
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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
Ans. 
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
Ans. 
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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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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