AmbitionBox
Interview Questions
- Reviews
- Salaries
- Interview Questions
- About Company
- Benefits
- Jobs
- Office Photos
- Community
i
Electronica Finance
Compare
Filter interviews by
Clear (1)
Electronica Finance Branch Credit Manager Interview Questions and Answers
Electronica Finance Branch Credit Manager Interview Experiences
2 interviews found
Anonymous
Selected
I applied via Referral and was interviewed in Mar 2024. There were 2 interview rounds.
(2 Questions)
- Q1. About previous work experience
- Q2. About subject questions
(2 Questions)
- Q1. About work related questions
- Q2. Package discussion
Interview Preparation Tips
Selected
I applied via Referral and was interviewed in Mar 2023. There were 3 interview rounds.
What is the experience in the lap field
What is the expected salary
What is the family background Act
(2 Questions)
- Q1. Expected salary and previous hr provides.? Notice period related questions.
- Q2. What is the expected salary
Interview Preparation Tips
Branch Credit Manager Jobs at Electronica Finance
Top trending discussions
Interview questions from similar companies
I applied via Walk-in and was interviewed before Oct 2019. There was 1 interview round.
Interview Questionnaire
2 Questions
- Q1. Do u know how to prepare cash flow statements
- Ans.
Yes, I know how to prepare cash flow statements.
Cash flow statements show the inflow and outflow of cash in a business.
They are prepared using the indirect or direct method.
The indirect method starts with net income and adjusts for non-cash items and changes in working capital.
The direct method lists all cash receipts and payments.
Cash flow statements are important for assessing a company's liquidity and financial heal
- Q2. How will you determine persons credibilty
Interview Preparation Tips
(2 Questions)
- Q1. Financial and Mortgage
- Q2. Was good and taken on phone as video calling and found positive
Best in the industry nd good knowing about
Interview Preparation Tips
Selected
I applied via Newspaper Ad and was interviewed in Nov 2023. There was 1 interview round.
(1 Question)
- Q1. What is the business vintage & stability spoof & whats the reason s to reject files, business profile,banking statement, about technical report how to
- Ans.
Business vintage & stability spoof refers to the falsification of business history and financial stability to deceive lenders. Reasons to reject files include inconsistencies in business profile, banking statements, and technical reports.
Business vintage refers to the length of time a business has been operating. Lenders look for established businesses with a proven track record.
Stability spoof involves presenting fals...
Interview Preparation Tips
(2 Questions)
- Q1. Give your Self introduction in brief
- Q2. Previous work experience sharing/ discussion
Interview Preparation Tips
I applied via Company Website and was interviewed in May 2021. There was 1 interview round.
Interview Questionnaire
6 Questions
- Q1. Tell me about yourself.
- Q2. CA articleship experience.
- Q3. Diff between secured and unsecured loan.
- Ans.
Secured loans are backed by collateral while unsecured loans are not.
Secured loans require collateral such as a house or car to be pledged as security for the loan.
Unsecured loans do not require collateral and are based solely on the borrower's creditworthiness.
Secured loans typically have lower interest rates than unsecured loans.
Examples of secured loans include mortgages and auto loans, while credit cards and person
- Q4. Whether car loan is a secured or unsecured loan.
- Ans.
Car loan is a secured loan.
Car loan is secured by the car itself as collateral.
If the borrower defaults on the loan, the lender can repossess the car.
Interest rates on secured loans are generally lower than unsecured loans.
Examples of unsecured loans include personal loans and credit cards.
- Q5. Some ratio related questions and logic behind those ratios.
- Q6. Most effected industries due to COVID.
- Ans.
The COVID-19 pandemic has affected various industries, with some being hit harder than others.
Travel and tourism industry has been severely impacted due to travel restrictions and lockdowns.
Hospitality industry has also suffered due to closure of restaurants, bars, and hotels.
Retail industry has seen a shift towards online shopping, with brick-and-mortar stores struggling.
Entertainment industry has been hit hard with m...
Interview Preparation Tips
Selected
I applied via Campus Placement and was interviewed in Aug 2023. There were 2 interview rounds.
(5 Questions)
- Q1. Explain NPA norms
- Ans.
NPA norms refer to guidelines set by the Reserve Bank of India for classification of non-performing assets in banks.
NPA stands for Non-Performing Asset
RBI categorizes NPAs based on the period for which the asset has remained non-performing
Different categories include Substandard Assets, Doubtful Assets, and Loss Assets
Banks are required to make provisions for NPAs based on RBI guidelines
- Q2. What are retail banking assets
- Ans.
Retail banking assets are financial products and services offered to individual customers by banks.
Includes savings accounts, checking accounts, personal loans, mortgages, credit cards, and certificates of deposit
These assets generate revenue for the bank through interest payments and fees
Banks use retail banking assets to attract and retain customers
- Q3. What is difference between reserve capital and capital reserve
- Ans.
Reserve capital is the amount of funds set aside by a company for specific purposes, while capital reserve is the profit earned by a company that is not distributed to shareholders.
Reserve capital is a part of the company's share capital that cannot be distributed as dividends to shareholders.
Capital reserve is created from profits earned by a company and is not distributed to shareholders but kept for specific purpose...
- Q4. Family background
- Q5. What are your expectations from your first job
I applied via Campus Placement and was interviewed in Nov 2021. There was 1 interview round.
Interview Questionnaire
3 Questions
- Q1. Ratio analysis related question
- Ans. Read all ratio carefully with deeply understanding and also try to make linkages between ratio
- Q2. How to analysis a loan file before disbursements
- Ans.
To analyze a loan file before disbursement, one should check the borrower's credit score, income, employment history, and collateral.
Check the borrower's credit score to determine their creditworthiness
Verify the borrower's income to ensure they can repay the loan
Review the borrower's employment history to assess their stability
Evaluate the collateral to determine its value and ensure it can cover the loan amount
Check ...
- Q3. Tell all the due diligence that need to check before disbursements
- Ans.
Before disbursements, due diligence should be done to ensure the borrower's creditworthiness and ability to repay the loan.
Verify the borrower's identity and credit history
Assess the borrower's income and expenses to determine their ability to repay the loan
Check for any outstanding debts or liens on the borrower's assets
Evaluate the purpose of the loan and the borrower's business plan
Ensure compliance with all regulat...
Interview Preparation Tips
I applied via Other and was interviewed in May 2021. There were 3 interview rounds.
Interview Questionnaire
1 Question
- Q1. Self introduction, work details
Interview Preparation Tips
2- Positive thinking.
3- Self introduction full details.
Electronica Finance Interview FAQs
Recently Viewed
INTERVIEWS
Hitachi Solutions
No Interviews
INTERVIEWS
Psinyx Technologies
No Interviews
INTERVIEWS
SALARPURIA SATTVA
No Interviews
INTERVIEWS
The Machine Maker
No Interviews
INTERVIEWS
SALARPURIA SATTVA
No Interviews
INTERVIEWS
SALARPURIA SATTVA
No Interviews
INTERVIEWS
Electronica Finance
No Interviews
INTERVIEWS
Electronica Finance
No Interviews
CAMPUS PLACEMENT
RMK Engineering College, Chennai
INTERVIEWS
Hitachi Solutions
No Interviews
Tell us how to improve this page.
Electronica Finance Interviews By Designations
- Electronica Finance Sales Manager Interview Questions
- Electronica Finance Management Trainee Interview Questions
- Electronica Finance Credit Manager Interview Questions
- Electronica Finance Branch Credit Manager Interview Questions
- Electronica Finance Assistant Manager Interview Questions
- Electronica Finance Collections Manager Interview Questions
- Electronica Finance Electrical Engineer Interview Questions
- Electronica Finance Relationship Manager Interview Questions
- Show more
Interview Questions for Popular Designations
- Credit Manager Interview Questions
- Credit Officer Interview Questions
- Credit Analyst Interview Questions
- Credit Risk Analyst Interview Questions
- Area Credit Manager Interview Questions
- Branch Credit Officer Interview Questions
- Branch Manager Interview Questions
- Senior Credit Analyst Interview Questions
- Show more
Electronica Finance Branch Credit Manager Interview Process
based on 4 interviews
Interview experience
Branch Credit Manager Interview Questions from Similar Companies
Fast track your campus placements
Electronica Finance Branch Credit Manager Reviews and Ratings
based on 16 reviews
Rating in categories
|
Sales Manager
529
salaries
|  ₹0 L/yr - ₹0 L/yr |
|
Assistant Manager
181
salaries
| ₹0 L/yr - ₹0 L/yr |
|
Relationship Manager
109
salaries
| ₹0 L/yr - ₹0 L/yr |
|
Area Sales Manager
104
salaries
| ₹0 L/yr - ₹0 L/yr |
|
Branch Credit Manager
72
salaries
| ₹0 L/yr - ₹0 L/yr |
Bajaj Finance
HDFC Bank
ICICI Bank
Tata Capital
- Home >
- Interviews >
- Electronica Finance Interview Questions >
- Electronica Finance Branch Credit Manager Interview Questions
