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SMFG India Credit Credit Officer Interview Questions and Answers

Updated 25 May 2024

SMFG India Credit Credit Officer Interview Experiences

1 interview found

Interview experience
3
Average
Difficulty level
-
Process Duration
-
Result
-
Round 1 - One-on-one 

(1 Question)

  • Q1. What is group loans
  • Ans. 

    Group loans are loans provided to a group of individuals who are jointly responsible for repayment.

    • Group loans are typically provided to a group of individuals who know each other and are willing to support each other in repayment.

    • Each member of the group is responsible for the repayment of the loan, and if one member defaults, the others are expected to cover the payment.

    • Group loans are commonly used in microfinance i...

  • Answered by AI

Interview Preparation Tips

Interview preparation tips for other job seekers - Be confident

Interview questions from similar companies

Interview experience
3
Average
Difficulty level
Easy
Process Duration
Less than 2 weeks
Result
-

I applied via Naukri.com and was interviewed before Jan 2024. There was 1 interview round.

Round 1 - One-on-one 

(2 Questions)

  • Q1. Experience you have
  • Q2. Package

Interview Preparation Tips

Interview preparation tips for other job seekers - Can join if you don't care about appraisal

Interview Questionnaire 

4 Questions

  • Q1. 3 Biggest Achievements
  • Ans. 

    Increased sales revenue, implemented cost-saving measures, led successful team projects.

    • Increased sales revenue by 25% through strategic marketing campaigns

    • Implemented cost-saving measures resulting in a 15% reduction in expenses

    • Led successful team projects resulting in improved productivity and customer satisfaction

  • Answered by AI
  • Q2. 3 biggest failures
  • Ans. 

    Failed to meet sales targets, poor communication with team, missed project deadline

    • Failed to meet sales targets despite efforts to increase marketing and promotions

    • Poor communication with team led to misunderstandings and delays in project completion

    • Missed project deadline due to underestimating the scope of work and lack of proper planning

  • Answered by AI
  • Q3. Describe a day in your current role
  • Q4. Technical questions
Interview experience
4
Good
Difficulty level
Moderate
Process Duration
Less than 2 weeks
Result
Selected Selected

I applied via Naukri.com and was interviewed in Mar 2023. There were 2 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 tips
Round 2 - One-on-one 

(3 Questions)

  • Q1. Policy ,FOIR ,LTV CAM
  • Q2. Underwriting legal and technical
  • Q3. Pd,tele pd case appraisal
Interview experience
1
Bad
Difficulty level
-
Process Duration
-
Result
-

I applied via Company Website

Round 1 - One-on-one 

(5 Questions)

  • Q1. How to location
  • Q2. Sir this work from home
  • Q3. Payment is hand sir
  • Q4. Sir how to my work
  • Q5. Sir good company this very nice
Interview experience
5
Excellent
Difficulty level
-
Process Duration
-
Result
-
Round 1 - One-on-one 

(1 Question)

  • Q1. Regarding the process of the role
Round 2 - One-on-one 

(1 Question)

  • Q1. Questions regarding Credit
Interview experience
4
Good
Difficulty level
-
Process Duration
-
Result
-
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 tips
Round 2 - One-on-one 

(5 Questions)

  • Q1. Financials statement amalysis
  • Q2. Previous experience ....................................
  • Q3. All all all all all
  • Q4. Ok ok ok ok ok
  • Q5. Not not not not not

Interview Preparation Tips

Interview preparation tips for other job seekers - best company good hr policy good manager best package 5 day week

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 Naukri.com and was interviewed before Apr 2021. There was 1 interview round.

Round 1 - One-on-one 

(1 Question)

  • Q1. I dnt remember since it was 15 yrs back

Interview Preparation Tips

Interview preparation tips for other job seekers - Good communication skills and should k ow about current affairs

I applied via Campus Placement and was interviewed before Jun 2020. There were 6 interview rounds.

Interview Questionnaire 

1 Question

  • Q1. All financial ratios

Interview Preparation Tips

Interview preparation tips for other job seekers - Be confident and have good financial knowledge

SMFG India Credit Interview FAQs

How many rounds are there in SMFG India Credit Credit Officer interview?
SMFG India Credit interview process usually has 1 rounds. The most common rounds in the SMFG India Credit interview process are One-on-one Round.

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SMFG India Credit Credit Officer Interview Process

based on 2 interviews

Interview experience

4
  
Good
View more
SMFG India Credit Credit Officer Salary
based on 99 salaries
₹1.6 L/yr - ₹4.5 L/yr
18% less than the average Credit Officer Salary in India
View more details

SMFG India Credit Credit Officer Reviews and Ratings

based on 34 reviews

3.5/5

Rating in categories

3.3

Skill development

3.2

Work-life balance

3.0

Salary

3.4

Job security

3.0

Company culture

3.0

Promotions

3.3

Work satisfaction

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