Electronica Finance Branch Credit Manager Interview Questions and Answers

Q1. Legal and technical knowledge,
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Q2. What is title flow
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Title flow refers to the process of changing the title of a vehicle from one owner to another.
• Title flow involves transferring ownership of a vehicle from one party to another

• It typically includes completing paperwork, paying fees, and obtaining a new title in the new owner's name

• Examples of title flow include selling a car and transferring the title to the new owner, or inheriting a vehicle and updating the title acco
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Q3. Most important part of technical report
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The most important part of a technical report is the executive summary.
• Provides a concise overview of the report's key findings and recommendations

• Helps busy stakeholders quickly understand the main points without reading the entire report

• Should be written last after the rest of the report is completed
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Q4. Pre and post legal documents
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Q1. Regarding LAP product
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Q2. Regarding work expeience
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Q1. Branch credit manager muthoot finance work process
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Q2. Credit policy analysis
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Q3. Team management
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Basic maths and common science exam

Q1. Inroduce urself
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Q2. What is loan procurement
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Loan procurement is the process of obtaining a loan from a financial institution or lender.
• Involves submitting an application for a loan

• Includes providing necessary documentation such as income verification and credit history

• May require meeting certain eligibility criteria set by the lender

• Can involve negotiating loan terms and interest rates

• Examples: applying for a mortgage, car loan, or personal loan
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Q1. What is this CIBIL in customer
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CIBIL is a credit information company that collects and maintains records of individuals' credit behavior.
• CIBIL stands for Credit Information Bureau (India) Limited.

• It provides credit scores and reports to lenders to help them assess the creditworthiness of potential borrowers.

• CIBIL scores range from 300 to 900, with higher scores indicating better creditworthiness.

• Lenders use CIBIL reports to make informed decisions o...read more
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Q2. What is this pramiry kyc and customer
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Primary KYC (Know Your Customer) is the initial process of verifying the identity of a customer before providing financial services.
• Primary KYC involves collecting basic information such as name, address, date of birth, and identification documents.

• It is a mandatory process for financial institutions to prevent money laundering and fraud.

• Customer due diligence is also conducted during primary KYC to assess the risk ass...read more
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Q1. Based on previous experience questions and subject knowledge questions
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Q2. Family background questions
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Q1. What is last CTC
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My last CTC was $60,000 per annum.
• My last CTC was $60,000 per annum

• I received a salary of $5,000 per month in my previous job

• My last CTC included a bonus component of $10,000
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Q1. How much you are expecting salary
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I am expecting a competitive salary based on my experience, skills, and the responsibilities of the role.
• I am looking for a salary that is in line with industry standards for a Branch Credit Manager position.

• I have researched the average salary range for similar roles in the region.

• I am open to negotiation based on the overall compensation package offered by the company.

• I am more focused on finding the right opportunit...read more
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