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Electronica Finance Regional Credit Manager Interview Questions and Answers

Updated 18 Sep 2024

Electronica Finance Regional Credit Manager Interview Experiences

1 interview found

Interview experience
4
Good
Difficulty level
Moderate
Process Duration
Less than 2 weeks
Result
Selected Selected

I applied via Referral and was interviewed in Aug 2024. There were 2 interview rounds.

Round 1 - One-on-one 

(1 Question)

  • Q1. Previous Company Working and Job responsibilities
  • Ans. 

    I worked at XYZ Company as a Credit Analyst. My responsibilities included assessing creditworthiness, setting credit limits, and managing collections.

    • Assessed creditworthiness of new and existing customers

    • Set credit limits based on risk assessment

    • Managed collections process for overdue accounts

  • Answered by AI
Round 2 - One-on-one 

(1 Question)

  • Q1. Previous organizations Job responsibilities KRA
  • Ans. 

    Managed credit operations, analyzed credit risk, monitored collections, and ensured compliance with credit policies.

    • Analyzed credit risk for potential customers

    • Monitored collections and followed up on overdue accounts

    • Ensured compliance with credit policies and procedures

    • Managed credit operations and team of credit analysts

  • Answered by AI

Interview questions from similar companies

I was interviewed before Apr 2016.

Interview Questionnaire 

5 Questions

  • Q1. Which clauses are important in 3CD while sanctioning loan
  • Ans. 

    Important clauses in 3CD for loan sanctioning

    • Clause 4 - Purpose of loan

    • Clause 5 - Amount of loan

    • Clause 6 - Repayment terms

    • Clause 7 - Security for loan

    • Clause 8 - Interest rate

    • Clause 9 - Default and consequences

  • Answered by AI
  • Q2. Tell me profit and loss ratios
  • Ans. 

    Profit and loss ratios are financial metrics used to assess the profitability of a company.

    • Profit ratio measures the percentage of profit earned on sales.

    • Gross profit ratio is calculated by dividing gross profit by net sales.

    • Net profit ratio indicates the percentage of net profit earned on sales.

    • Operating profit ratio measures the profitability of core operations.

    • Return on investment (ROI) is a common profitability rat

  • Answered by AI
  • Q3. Balance sheet ratios
  • Q4. Diffrence between concurrent audit and statutory audit
  • Ans. 

    Concurrent audit is conducted during the course of business operations, while statutory audit is conducted at the end of the financial year.

    • Concurrent audit is performed concurrently with the operations of the organization.

    • Statutory audit is conducted to ensure compliance with legal and regulatory requirements.

    • Concurrent audit helps in detecting and preventing frauds and errors in real-time.

    • Statutory audit provides an ...

  • Answered by AI
  • Q5. If someone is earning less than EMI should he take a loan or not
  • Ans. 

    No, someone earning less than EMI should not take a loan.

    • Taking a loan when earning less than the EMI can lead to financial strain and difficulty in repayment.

    • It is important to have a stable income that can comfortably cover the loan repayment.

    • If someone is already struggling to meet their financial obligations, taking on additional debt can worsen their situation.

    • It is advisable to explore alternative options such as...

  • Answered by AI

Interview Preparation Tips

College Name: ICAI

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

  • Answered by AI
  • Q2. How will you determine persons credibilty

Interview Preparation Tips

Interview preparation tips for other job seekers - Present your ideas and knowledge confidently.

I applied via Referral and was interviewed before Sep 2020. There were 3 interview rounds.

Interview Questionnaire 

2 Questions

  • Q1. Financial analysis related questions
  • Q2. Just answer what you have learnt during the course of your studies

Interview Preparation Tips

Interview preparation tips for other job seekers - Be honest in your answers. If you dont know dont fluke

I applied via Referral and was interviewed before Nov 2020. There were 3 interview rounds.

Interview Questionnaire 

1 Question

  • Q1. Regarding previous experience with organisation. Things related to same.

Interview Preparation Tips

Interview preparation tips for other job seekers - Before hand get some idea about the job role ask you refrences. Do your homework and dont be shy for asking questions beforehand to maximise the knowlegdge.

I applied via Campus Placement and was interviewed before May 2021. There was 1 interview round.

Round 1 - Technical 

(1 Question)

  • Q1. 1. tell me about yourself 2. what will your check while giving loans to clients? 3. what is debt service coverage ratios? 4. what is cibil? 5. what is your family background

Interview Preparation Tips

Interview preparation tips for other job seekers - it was easy to average. be prepared with come ratios .

Interview Questionnaire 

3 Questions

  • Q1. Previous Job experience
  • Ans. 

    I have 5 years of experience as a Credit Manager at XYZ Company.

    • Managed credit risk assessment for new and existing clients

    • Analyzed financial statements and credit reports to determine creditworthiness

    • Negotiated payment terms and conditions with clients

    • Implemented credit policies and procedures to minimize risk

    • Collaborated with sales and finance teams to optimize credit decisions

  • Answered by AI
  • Q2. Work related questions, e.g how to verify debtors from banking
  • Q3. Future goals

Interview Questionnaire 

1 Question

  • Q1. Product knowledge, FINANCIAL formulas, Market experience

I applied via Referral and was interviewed before Oct 2021. 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 

Interview Preparation Tips

Interview preparation tips for other job seekers - be thorough with ratios and processes. Have knowledge on financial analysis

I applied via Campus Placement and was interviewed before May 2021. 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 - Group Discussion 
Pro Tip by AmbitionBox:
Don’t treat group discussions as an argument. Group discussion is about reaching a meaningful conclusion.
View all GD tips

Interview Preparation Tips

Interview preparation tips for other job seekers - Update your self to the Organisation requirements
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Electronica Finance Interview FAQs

How many rounds are there in Electronica Finance Regional Credit Manager interview?
Electronica Finance interview process usually has 2 rounds. The most common rounds in the Electronica Finance interview process are One-on-one Round.
How to prepare for Electronica Finance Regional Credit Manager interview?
Go through your CV in detail and study all the technologies mentioned in your CV. Prepare at least two technologies or languages in depth if you are appearing for a technical interview at Electronica Finance. The most common topics and skills that interviewers at Electronica Finance expect are Credit Appraisal, Credit Management, Credit Risk, Credit Analysis and Credit Rating.

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Electronica Finance Regional Credit Manager Interview Process

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Electronica Finance Regional Credit Manager Salary
based on 14 salaries
₹8 L/yr - ₹10 L/yr
53% less than the average Regional Credit Manager Salary in India
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Electronica Finance Regional Credit Manager Reviews and Ratings

based on 4 reviews

4.4/5

Rating in categories

3.5

Skill development

3.8

Work-life balance

3.5

Salary

3.8

Job security

3.5

Company culture

3.5

Promotions

3.5

Work satisfaction

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