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I applied via Campus Placement and was interviewed in Oct 2020. There was 1 interview round.
Credit score is a numerical representation of a person's creditworthiness based on their credit history.
Credit score ranges from 300 to 850
Higher credit score indicates better creditworthiness
Factors affecting credit score include payment history, credit utilization, length of credit history, types of credit used, and new credit inquiries
Lenders use credit score to determine the likelihood of a borrower repaying their ...
NPA stands for Non-Performing Assets, which are loans or advances that have stopped generating income for the lender.
NPA is a term used in the banking industry to refer to loans that are in default or are close to being in default.
A loan is classified as an NPA if the borrower fails to pay interest or principal for a period of 90 days or more.
Banks and financial institutions are required to set aside provisions for NPA...
I applied via Campus Placement and was interviewed in Jan 2024. There were 3 interview rounds.
The company is a financial counseling service that helps individuals manage their debt and improve their credit scores. The role involves providing personalized financial advice and creating debt management plans.
The company specializes in providing financial counseling services to individuals in debt.
The role involves assessing clients' financial situations and creating personalized debt management plans.
Credit Counse...
I would use a combination of communication, negotiation, and payment plans to collect payments from delinquent accounts.
Contact the debtor to discuss the situation and establish a payment plan.
Offer incentives for early payment or lump sum settlements.
Utilize collection agencies or legal action as a last resort.
Document all communication and payment agreements for future reference.
Non-Performing Assets (NPA) are loans or advances that have stopped generating income for the lender. Writing off an NPA means removing it from the books as a loss.
Non-Performing Assets (NPA) are loans or advances where the borrower has stopped making interest or principal repayments for a specified period of time.
Banks classify NPAs based on the number of days a loan has been overdue, such as Substandard Assets, Doubt...
Accounts payable are amounts owed by a company to its suppliers for goods or services received, while accounts receivable are amounts owed to a company by its customers for goods or services provided.
Accounts payable represent the money a company owes to its suppliers or vendors.
Accounts receivable represent the money owed to a company by its customers.
Accounts payable are considered a liability on the company's balanc...
Passion for helping others manage their finances and improve their financial well-being.
Enjoy educating and empowering individuals to make informed financial decisions
Strong interest in personal finance and budgeting
Previous experience in finance or related field
Desire to make a positive impact on people's lives
My long-term goal within this fintech organization is to become a senior credit counselor and eventually lead a team of credit counselors.
Continue to improve my knowledge and skills in credit counseling
Work towards obtaining any necessary certifications or qualifications
Demonstrate leadership qualities and take on more responsibilities within the organization
I applied via Naukri.com and was interviewed in Oct 2023. There were 2 interview rounds.
I have a strong background in credit management and a proven track record of success in improving credit processes and reducing risk.
I have X years of experience in credit management, including roles at reputable companies such as ABC Bank and XYZ Corporation.
I have consistently achieved excellent results in managing credit risk and improving collections, resulting in a significant reduction in bad debt.
I am highly ski...
I can bring my extensive experience in credit management and risk assessment to help the company improve its credit processes and minimize financial risks.
I have a proven track record in managing credit portfolios and reducing bad debt
I can develop and implement effective credit policies and procedures
I can analyze financial statements and assess creditworthiness of potential customers
I can negotiate favorable credit t...
You can trust me because of my experience, integrity, and track record of success.
I have X years of experience in the credit industry, which has allowed me to develop a deep understanding of the field and its challenges.
I have a proven track record of making sound credit decisions and managing risk effectively. For example, in my previous role, I successfully reduced the company's bad debt by 20% within a year.
I priori...
Creditas Solutions interview questions for popular designations
I applied via Walk-in and was interviewed in Mar 2023. There were 3 interview rounds.
I applied via Referral and was interviewed before Sep 2023. There was 1 interview round.
I applied via Walk-in and was interviewed before Aug 2023. There was 1 interview round.
I want to join this organization because of its strong reputation in providing quality counselling services.
I am impressed by the organization's commitment to helping individuals improve their mental health.
I believe in the organization's values and mission to support individuals in need of counselling.
I am excited about the opportunity to work with a team of experienced counsellors and contribute to the organization's
I applied via Referral and was interviewed before May 2023. There were 2 interview rounds.
I applied via Walk-in and was interviewed in Aug 2022. There were 2 interview rounds.
I have know about the company policy
CIBIL report is a credit report that provides a summary of an individual's credit history and creditworthiness.
CIBIL report stands for Credit Information Bureau (India) Limited report.
It is a comprehensive record of an individual's credit activities, including loans, credit cards, and repayment history.
The report includes a credit score, which is a numerical representation of the individual's creditworthiness.
Lenders u...
Yes, write-off and NPA accounts are related to bad debts in financial accounting.
Write-off account is used to record bad debts that are deemed uncollectible and removed from the accounts receivable balance.
NPA (Non-Performing Asset) account is used to record loans that are in default and have not been repaid for a certain period of time.
Both accounts are important for financial reporting and analysis as they reflect th...
I applied via Referral and was interviewed before May 2022. There were 4 interview rounds.
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The duration of Creditas Solutions interview process can vary, but typically it takes about less than 2 weeks to complete.
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Interview experience
based on 124 reviews
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Credit Counselor
119
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Credit Analyst
98
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Credit Counsellor
19
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Team Lead
14
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Counsellor
13
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