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Dvara KGFS Credit Manager Interview Questions and Answers

Updated 19 Jun 2024

Dvara KGFS Credit Manager Interview Experiences

1 interview found

Interview experience
4
Good
Difficulty level
-
Process Duration
-
Result
-
Round 1 - One-on-one 

(2 Questions)

  • Q1. Market knowledge about loan products.
  • Q2. Types of credit assessment and methods to evaluate applicant cash flow and intention on repayment.
  • Ans. 

    Credit assessment involves analyzing applicant's cash flow and repayment intentions through various methods.

    • Types of credit assessment include credit reports, financial statements, and credit scoring models.

    • Methods to evaluate applicant cash flow include analyzing income sources, expenses, and debt obligations.

    • To assess repayment intentions, lenders may consider credit history, employment stability, and willingness to ...

  • Answered by AI
Round 2 - HR 

(2 Questions)

  • Q1. Stability review in previous company
  • Q2. Attitude and intention and work ethics

Interview Preparation Tips

Interview preparation tips for other job seekers - Be professional in reply and be open in giving out what you know.

Interview questions from similar companies

I applied via Naukri.com and was interviewed in Jan 2020. There were 4 interview rounds.

Interview Questionnaire 

1 Question

  • Q1. About previous key role?
  • Ans. 

    As a Credit Manager, my previous key role was overseeing the creditworthiness of customers and managing the credit risk for the company.

    • Evaluated and analyzed the creditworthiness of potential customers

    • Established credit limits and terms for customers based on their financial stability

    • Monitored and managed the credit risk exposure of the company

    • Implemented credit control measures to minimize bad debt

    • Worked closely with...

  • Answered by AI

Interview Preparation Tips

Interview preparation tips for other job seekers - Hiii
I am safe and hope you all also safe.
If talking about interview than I would like to tell that this interview was a very technical. The interviewer wanted to test my working experience and soft skill. Mostly questions asked to my working experience. And his focus on curriculum also, like what have mentioned there, but I was enjoying my interview.

Interview Questionnaire 

1 Question

  • Q1. Just about intro, And after asked about my work, what job I have to did in previous organisation, how many experience you have, just usual questions, not very serious guys.

Interview Preparation Tips

Interview preparation tips for other job seekers - Positive during interview.

I applied via Referral and was interviewed in Feb 2021. There was 1 interview round.

Interview Questionnaire 

4 Questions

  • Q1. What does mean SMA, STD,DPD
  • Ans. 

    SMA stands for Special Mention Account, STD stands for Sub-Standard Account, and DPD stands for Days Past Due.

    • SMA is a classification for accounts that have potential weaknesses and require close monitoring.

    • STD is a classification for accounts that have well-defined weaknesses and are considered to be non-performing.

    • DPD is a measure of how many days a payment is overdue.

    • These terms are commonly used in credit managemen

  • Answered by AI
  • Q2. When NPA has declare
  • Ans. 

    NPA declaration refers to the classification of a loan as a non-performing asset.

    • NPA is declared when a borrower fails to make repayments for a certain period of time.

    • The classification of NPA is done based on the number of days the repayment is overdue.

    • NPA classification has a negative impact on the credit score of the borrower and the lender's balance sheet.

    • Banks and financial institutions are required to make provis...

  • Answered by AI
  • Q3. What document we take for mordgage
  • Ans. 

    Mortgage requires several documents for approval.

    • Proof of income

    • Credit report

    • Property appraisal

    • Title report

    • Homeowner's insurance

    • Tax returns

    • Bank statements

  • Answered by AI
  • Q4. Process flow for unsecured loan
  • Ans. 

    The process flow for unsecured loan involves several steps from application to disbursement.

    • The borrower submits an application with personal and financial information.

    • The lender evaluates the borrower's creditworthiness and risk profile.

    • If approved, the lender offers a loan amount and terms.

    • The borrower accepts the offer and signs the loan agreement.

    • The lender disburses the loan amount to the borrower's account.

    • The bo...

  • Answered by AI

Interview Preparation Tips

Interview preparation tips for other job seekers - If you join in MSME vertical, you have to know the the balance sheet, p/l account & golden rules of account & cibil account classification
Interview experience
5
Excellent
Difficulty level
-
Process Duration
-
Result
-
Round 1 - One-on-one 

(1 Question)

  • Q1. What you understand about HL LAP and BL
  • Ans. 

    HL LAP stands for Hypothecation of Loans and Advances against Property. BL stands for Bill of Lading.

    • HL LAP is a type of loan where the borrower hypothecates their property to secure the loan.

    • BL is a document issued by a carrier to acknowledge receipt of goods for shipment.

    • HL LAP is commonly used in mortgage loans, while BL is used in international trade for goods transportation.

  • Answered by AI

Interview Preparation Tips

Interview preparation tips for other job seekers - You should have knowledge about procedure and products.
Interview experience
3
Average
Difficulty level
Easy
Process Duration
Less than 2 weeks
Result
Selected Selected

I applied via Naukri.com and was interviewed before Sep 2022. There were 2 interview rounds.

Round 1 - Resume Shortlist 
Pro Tip by AmbitionBox:
Keep your resume crisp and to the point. A recruiter looks at your resume for an average of 6 seconds, make sure to leave the best impression.
View all Resume tips
Round 2 - HR 

(3 Questions)

  • Q1. Experience, Salary
  • Q2. Ready to Work anywhere
  • Q3. Nothing to say..

Interview Preparation Tips

Interview preparation tips for other job seekers - Asking simple question
Interview experience
3
Average
Difficulty level
-
Process Duration
-
Result
-
Round 1 - HR 

(1 Question)

  • Q1. Salary related questions
Round 2 - One-on-one 

(1 Question)

  • Q1. Work experience
Round 3 - Group Discussion 

Policy and share experience

Interview experience
5
Excellent
Difficulty level
Easy
Process Duration
2-4 weeks
Result
Selected Selected

I applied via LinkedIn and was interviewed in May 2022. There were 3 interview rounds.

Round 1 - Resume Shortlist 
Pro Tip by AmbitionBox:
Keep your resume crisp and to the point. A recruiter looks at your resume for an average of 6 seconds, make sure to leave the best impression.
View all Resume tips
Round 2 - Case Study 

Case study of Credit appraisal for various business income analysis.

Round 3 - Technical 

(2 Questions)

  • Q1. How to verify the property DOCUMENTS, LSR and TSR
  • Ans. 

    Verification of property documents involves checking LSR and TSR.

    • Check the authenticity of the documents by verifying the signatures and stamps.

    • Ensure that the documents are not forged or tampered with.

    • Verify the Land Survey Report (LSR) to confirm the boundaries and measurements of the property.

    • Check the Town Survey Report (TSR) to confirm the land use and zoning regulations.

    • Consult with legal experts to ensure that a

  • Answered by AI
  • Q2. How evaluate the customer income
  • Ans. 

    Customer income can be evaluated through various methods.

    • One can ask for pay stubs or tax returns to verify income.

    • Credit reports can also provide information on income.

    • Bank statements can show regular deposits and income sources.

    • One can also use industry benchmarks to estimate income based on job title and location.

    • It's important to consider other factors such as debt-to-income ratio and employment stability.

  • Answered by AI

Interview Preparation Tips

Interview preparation tips for other job seekers - Know how to find the credit worthiness of the client and evaluate the collateral
Interview experience
5
Excellent
Difficulty level
Moderate
Process Duration
2-4 weeks
Result
Selected Selected

I applied via Naukri.com and was interviewed in Jul 2022. There were 2 interview rounds.

Round 1 - Resume Shortlist 
Pro Tip by AmbitionBox:
Keep your resume crisp and to the point. A recruiter looks at your resume for an average of 6 seconds, make sure to leave the best impression.
View all Resume tips
Round 2 - One-on-one 

(6 Questions)

  • Q1. What is underwriting
  • Ans. 

    Underwriting is the process of evaluating the risk of a loan or investment and determining if it meets the lender's criteria.

    • Underwriting involves analyzing financial statements, credit reports, and other relevant information to determine the borrower's ability to repay the loan.

    • The underwriter also assesses the value of the collateral and the overall market conditions.

    • Examples of underwriting include mortgage underwri...

  • Answered by AI
  • Q2. How to assess the income of Assess the SENP segment
  • Ans. 

    Assessing income of SENP segment

    • Analyze income sources such as salary, investments, and rental income

    • Consider debt-to-income ratio and credit history

    • Look at demographic data and economic trends in the area

    • Use financial statements and tax returns to verify income

    • Compare income to expenses and debt obligations

  • Answered by AI
  • Q3. What is the three pillar of the any loan eligibility
  • Ans. 

    The three pillars of loan eligibility are credit score, income, and collateral.

    • Credit score: A good credit score indicates a borrower's ability to repay the loan.

    • Income: Sufficient income is necessary to ensure timely loan repayments.

    • Collateral: Providing collateral reduces the risk for the lender and increases loan eligibility.

    • Example: A person with a high credit score, stable income, and valuable collateral has a hig

  • Answered by AI
  • Q4. What you find the in technical report
  • Ans. 

    Technical reports should contain accurate and detailed information about a specific topic.

    • Technical reports should have a clear and concise title

    • The report should have an introduction that outlines the purpose and scope of the report

    • The report should contain accurate and detailed information about the topic

    • The report should have a conclusion that summarizes the findings and recommendations

    • The report should be well-orga...

  • Answered by AI
  • Q5. How to check legal report and what is the incumbrance
  • Ans. 

    To check legal report, obtain a copy from relevant authority and review for any legal issues. Incumbrance refers to any legal claims on property.

    • Obtain a copy of the legal report from relevant authority

    • Review the report for any legal issues such as pending lawsuits or liens

    • Incumbrance refers to any legal claims on property such as mortgages or unpaid taxes

  • Answered by AI
  • Q6. Which document is mandatory for in case of the partnership firm
  • Ans. 

    Partnership deed is mandatory for a partnership firm

    • Partnership deed is a legal document that outlines the terms and conditions of the partnership

    • It includes details such as the name of the firm, the names of the partners, their capital contributions, profit sharing ratio, etc.

    • It is important to have a partnership deed to avoid any disputes or misunderstandings between the partners

    • It is also required for registration o...

  • Answered by AI

Interview Preparation Tips

Interview preparation tips for other job seekers - I will always suggest to every job seeker before attending any interview you have to update your knowledge according to the job role and product basic knowledge and moderate knowledge should be get before any interview
Interview experience
5
Excellent
Difficulty level
Moderate
Process Duration
Less than 2 weeks
Result
Selected Selected

I applied via Approached by Company and was interviewed in Jul 2023. There were 3 interview rounds.

Round 1 - Resume Shortlist 
Pro Tip by AmbitionBox:
Don’t add your photo or details such as gender, age, and address in your resume. These details do not add any value.
View all Resume tips
Round 2 - One-on-one 

(1 Question)

  • Q1. About Job Related questions
Round 3 - HR 

(1 Question)

  • Q1. Salary Discussion and personal Discussion

Interview Preparation Tips

Interview preparation tips for other job seekers - Always positive thinking
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Dvara KGFS Interview FAQs

How many rounds are there in Dvara KGFS Credit Manager interview?
Dvara KGFS interview process usually has 2 rounds. The most common rounds in the Dvara KGFS interview process are One-on-one Round and HR.
What are the top questions asked in Dvara KGFS Credit Manager interview?

Some of the top questions asked at the Dvara KGFS Credit Manager interview -

  1. Types of credit assessment and methods to evaluate applicant cash flow and int...read more
  2. Market knowledge about loan produc...read more

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Dvara KGFS Credit Manager Interview Process

based on 1 interview

Interview experience

4
  
Good
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Dvara KGFS Credit Manager Salary
based on 18 salaries
₹3.6 L/yr - ₹7 L/yr
25% less than the average Credit Manager Salary in India
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Dvara KGFS Credit Manager Reviews and Ratings

based on 3 reviews

4.4/5

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4.1

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4.6

Work-life balance

4.4

Salary

4.6

Job security

4.6

Company culture

4.4

Promotions

4.4

Work satisfaction

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