CreditVidya Credit Risk Manager Interview Questions and Answers

Q1. Why you are leaving current organization?
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Q1. Logical pricing structure
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A logical pricing structure ensures that prices are set in a way that is fair, competitive, and profitable for the business.
• Consider the cost of goods or services, including materials, labor, and overhead expenses

• Analyze the market and competitors to determine a competitive price point

• Factor in desired profit margins while also considering customer willingness to pay

• Implement pricing strategies such as cost-plus pricin...read more
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Q2. How to approach a data set
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Approach a data set by first understanding the context and purpose, then cleaning and organizing the data, analyzing it using appropriate tools and techniques, and finally interpreting the results to draw meaningful insights.
• Understand the context and purpose of the data set before diving in.

• Clean and organize the data by removing duplicates, handling missing values, and standardizing formats.

• Use appropriate tools and ...read more
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Q1. Why do you want to join us
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Q2. How do you think this job is suitable for you
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Q3. Can you describe yourself in few words
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Q4. Can you tell who are the founders of ACKO
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Q1. Can you chalk down a plan for employee engagement for all kind of employees
Ans. 
Yes
• Conduct regular employee surveys to gather feedback and identify areas for improvement

• Implement a recognition and rewards program to acknowledge and appreciate employee contributions

• Provide opportunities for professional development and growth through training programs and workshops

• Promote open communication and transparency within the organization

• Organize team-building activities and events to foster a sense of cam...read more
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Q2. How proficient are you with designing tools and which ones
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I am proficient in using various designing tools such as Adobe Photoshop, Illustrator, and Sketch.
• Proficient in Adobe Photoshop, Illustrator, and Sketch

• Experience in creating visually appealing designs

• Knowledge of design principles and best practices

• Ability to work with different file formats and export options
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Q3. Do you know what's the difference between Intranet and website?
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Intranet is a private network for internal communication within an organization, while a website is a public platform accessible to anyone with an internet connection.
• Intranet is accessible only within an organization, while a website is accessible to anyone with an internet connection.

• Intranet is used for internal communication, sharing of information and resources within an organization, while a website is used for p...read more
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Basic aptitude test to check the right skill set

Q1. Technical knowledge about the role, responsibilities, etc with various situation handling, decision making
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Q1. One on one round with AVP on skill set and knowledge
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Q1. One on one round with the CS head
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Q1. Final discussion on pay package, joining and other stuffs
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Q1. About work experience.
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Q2. About your working and how you manage the things on day to day activities to achieve results.
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Q1. About yourself, your experience your education.
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Q2. About your work experience since starting of your carrier.
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Q3. About your family background.
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Q4. What is your working to achieve your numbers.
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Q5. How do you reduce idle percentage.
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To reduce idle percentage, focus on optimizing workflow, improving communication, setting clear goals, and monitoring performance.
• Optimize workflow by identifying and eliminating bottlenecks or inefficiencies.

• Improve communication among team members to ensure tasks are being completed efficiently.

• Set clear goals and expectations for employees to keep them focused and motivated.

• Monitor performance regularly to identify ...read more
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Q6. How do you increase the productivity of your callers.
Ans. 
Increasing caller productivity through training, motivation, and efficient tools.
• Provide comprehensive training on product knowledge and communication skills

• Implement performance incentives to motivate callers to meet and exceed targets

• Utilize efficient call center software and tools to streamline processes and improve efficiency
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Q7. What are the strategies you are using to enhance your callers productivity and make them fruitful.
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I implement training programs, provide resources, set clear goals, and offer regular feedback to enhance caller productivity.
• Implementing training programs to improve skills and knowledge

• Providing resources such as tools and technology to streamline processes

• Setting clear goals and expectations for callers to work towards

• Offering regular feedback and coaching to help callers improve performance
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Q1. Business Round Checking on Skills
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Q1. Assessing the cultural fit and overall suitability for the role.
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With one of the team members. Case study to gauge problem solving skills, analytical abilities. What could be different reasons for drop in sale, how can each be identified and mitigated?

Q1. Stakeholder discussion This was with one of the senior stakeholders, to determine your communication skills as well as understanding about completely new business problem/sector in limited amount of time. ...read more
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Q1. Discussion with the HOD Usual fitment test. Past work experience, aspirations etc.
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Q1. What are your expectations from the company?
Ans. 
I expect the company to provide a supportive and growth-oriented work environment.
• Opportunities for professional development and advancement

• Clear communication and feedback from management

• A positive and inclusive company culture

• Competitive compensation and benefits

• A strong commitment to employee well-being and work-life balance
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Q2. What do you know about Razorpay?
Ans. 
Razorpay is a payment gateway company based in India.
• Founded in 2014 by Shashank Kumar and Harshil Mathur.

• Provides payment solutions for businesses of all sizes.

• Offers features like recurring payments, international payments, and more.

• Has over 800,000 businesses using their platform.

• Has partnerships with major banks and financial institutions.

• Received funding from investors like Sequoia Capital and Mastercard.

• Won sever...read more
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Q1. What do you know about payments industry?
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The payments industry involves the processing and transfer of funds between individuals, businesses, and financial institutions.
• It includes various payment methods such as credit/debit cards, mobile payments, e-wallets, and bank transfers.

• The industry is regulated by government bodies and financial institutions to ensure security and compliance.

• The payments industry is constantly evolving with the introduction of new t...read more
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Q2. Where do you see yourself in Razorpay?
Ans. 
I see myself in Razorpay as a Deputy Manager, contributing to the company's growth and success.
• I envision myself taking on leadership responsibilities and managing a team of professionals.

• I aim to drive innovation and implement strategies to improve operational efficiency.

• I see myself collaborating with cross-functional teams to achieve organizational goals.

• I aspire to contribute to Razorpay's expansion plans and help ...read more
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Q1. What are my salary expectations?
Ans. 
I would expect a salary that is competitive for the Deputy Manager role, taking into consideration my experience and qualifications.
• Research the average salary range for Deputy Managers in your industry and location.

• Consider your years of experience and any additional qualifications or certifications you possess.

• Factor in the responsibilities and scope of the Deputy Manager role you are applying for.

• Be prepared to nego...read more
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Q2. When I will be able to join the company?
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