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Hinduja Housing Finance Credit Manager Interview Questions and Answers

Updated 18 Sep 2024

Hinduja Housing Finance Credit Manager Interview Experiences

1 interview found

Interview experience
3
Average
Difficulty level
-
Process Duration
-
Result
-
Round 1 - Aptitude Test 

General aptitude test

Round 2 - One-on-one 

(3 Questions)

  • Q1. Introduce yourself
  • Ans. 

    Experienced credit manager with a strong background in financial analysis and risk assessment.

    • Over 5 years of experience in credit management

    • Skilled in analyzing financial statements and assessing credit risk

    • Proven track record of reducing bad debt and improving cash flow

    • Strong communication and negotiation skills

    • Proficient in using credit scoring models and software

  • Answered by AI
  • Q2. What is the work of a credit manager
  • Ans. 

    A credit manager is responsible for assessing the creditworthiness of potential customers, setting credit limits, and managing the collection of overdue payments.

    • Assessing the creditworthiness of potential customers by reviewing their financial history and credit scores

    • Setting credit limits based on the customer's creditworthiness and financial stability

    • Monitoring and managing the collection of overdue payments to mini...

  • Answered by AI
  • Q3. Credit analysis,

Interview Preparation Tips

Interview preparation tips for other job seekers - be confident

Interview questions from similar companies

I applied via Walk-in and was interviewed in Dec 2020. There was 1 interview round.

Interview Questionnaire 

1 Question

  • Q1. Visit related to different cases, HL & LAP cases details, Information related to property paper chain

Interview Preparation Tips

Interview preparation tips for other job seekers - You are aware of the field you are going to,
Know about that company, what work is being done there
Interview experience
5
Excellent
Difficulty level
-
Process Duration
-
Result
-
Round 1 - Aptitude Test 

Maths aptitude test time and travel intrest calculations

Interview experience
5
Excellent
Difficulty level
Moderate
Process Duration
More than 8 weeks
Result
Not Selected

I applied via Approached by Company and was interviewed before Dec 2022. There were 5 interview rounds.

Round 1 - One-on-one 

(1 Question)

  • Q1. Profile and underwriting process of PAN india
  • Ans. 

    The PAN India underwriting process involves assessing the creditworthiness of borrowers across all regions of India.

    • The underwriting process involves evaluating the financial stability, credit history, and repayment capacity of borrowers.

    • Credit managers analyze the borrower's income, employment history, and existing debts to determine their ability to repay the loan.

    • They also consider factors like the borrower's credit...

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

(1 Question)

  • Q1. How to manage central underwriting process
  • Ans. 

    Managing the central underwriting process involves establishing clear guidelines, efficient communication, and effective risk assessment.

    • Establish clear underwriting guidelines to ensure consistency and minimize errors

    • Implement efficient communication channels to facilitate collaboration between underwriters

    • Utilize technology and automation to streamline the underwriting process

    • Conduct thorough risk assessments to make...

  • Answered by AI
Round 3 - HR 

(1 Question)

  • Q1. How to manage central underwriting cases with sales and branch credit team
  • Ans. 

    To manage central underwriting cases with sales and branch credit team, effective communication and collaboration are key.

    • Establish clear communication channels between the central underwriting team, sales team, and branch credit team.

    • Regularly hold meetings or conference calls to discuss and review underwriting cases, ensuring everyone is on the same page.

    • Define roles and responsibilities for each team to avoid duplic...

  • Answered by AI
Round 4 - HR 

(1 Question)

  • Q1. Salary hike and discussed about traveling distance
Round 5 - HR 

(1 Question)

  • Q1. Joinning KIT formalities

Interview Preparation Tips

Interview preparation tips for other job seekers - Good experience
Interview experience
4
Good
Difficulty level
Moderate
Process Duration
Less than 2 weeks
Result
Selected Selected

I applied via Referral and was interviewed in Jun 2023. There were 2 interview rounds.

Round 1 - One-on-one 

(2 Questions)

  • Q1. Work experience
  • Q2. Product knowledge
Round 2 - One-on-one 

(2 Questions)

  • Q1. Product knowledge
  • Q2. Type of commercial vehicles
  • Ans. 

    Commercial vehicles include trucks, vans, buses, and trailers.

    • Trucks: Used for transporting goods, such as pickup trucks, delivery trucks, and semi-trucks.

    • Vans: Typically used for transporting goods or people, such as cargo vans or passenger vans.

    • Buses: Used for transporting large groups of people, such as school buses or city buses.

    • Trailers: Attached to trucks or vans to transport goods, such as flatbed trailers or re

  • Answered by AI

Interview Preparation Tips

Interview preparation tips for other job seekers - Before interview search by company details and product with work environment.

I applied via Referral and was interviewed before Jun 2020. There was 1 interview round.

Interview Questionnaire 

2 Questions

  • Q1. How big team are you handling and how do you manage them.
  • Q2. There is 5 sub staff in my team and i gave work as to there competitiveness.

Interview Preparation Tips

Interview preparation tips for other job seekers - Be confident and honest to interviewer no exaggerating need.Interviewer just check you knowledge and how would you handle different situation?

I applied via LinkedIn and was interviewed in Jan 2021. There was 1 interview round.

Interview Questionnaire 

3 Questions

  • Q1. What is your current salary
  • Q2. I said my CTC is this qith fixed and incentives
  • Q3. When can you join

Interview Preparation Tips

Interview preparation tips for other job seekers - HR is clueless how to take interview ? No question about my role ,why want to join sbfc . They are more concern how much less salary they can offer and how quivkky they bring me on board . Disappointed

I applied via Referral and was interviewed in Dec 2020. There was 1 interview round.

Interview Questionnaire 

1 Question

  • Q1. Market knowledge of Business Loan

Interview Preparation Tips

Interview preparation tips for other job seekers - Be confident at the time of answering

I applied via Naukri.com and was interviewed before Mar 2021. 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 tips
Round 2 - Technical 

(2 Questions)

  • Q1. What do u check in cibil? What will u analyze in customer beforr funding
  • Ans. 

    In CIBIL, I check the credit history and credit score of the customer. Before funding, I analyze the customer's financial stability, income, existing debts, and repayment history.

    • Check credit history and credit score in CIBIL

    • Analyze customer's financial stability

    • Assess customer's income and existing debts

    • Evaluate customer's repayment history

    • Consider any previous defaults or delinquencies

  • Answered by AI
  • Q2. What is dpd ? What is more important to analysis the credit worthiness of customers
  • Ans. 

    DPD stands for Days Past Due. Payment history and credit utilization are more important to analyze creditworthiness.

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

    • It is important to analyze payment history to determine if the customer pays on time

    • Credit utilization is also important as it shows how much credit the customer is using compared to their limit

    • Both factors can indicate the customer's ability to manage...

  • Answered by AI
Round 3 - HR 

(8 Questions)

  • Q1. What are your strengths and weaknesses?
  • Q2. What are your salary expectations?
  • Q3. What is your family background?
  • Q4. Share details of your previous job.
  • Q5. Why should we hire you?
  • Q6. Why are you looking for a change?
  • Q7. Where do you see yourself in 5 years?
  • Q8. Tell me about yourself.

Interview Preparation Tips

Interview preparation tips for other job seekers - Do have proper knowledge of Cibil and dpds and the credit ratios

Interview Questionnaire 

1 Question

  • Q1. Self induction

Hinduja Housing Finance Interview FAQs

How many rounds are there in Hinduja Housing Finance Credit Manager interview?
Hinduja Housing Finance interview process usually has 2 rounds. The most common rounds in the Hinduja Housing Finance interview process are Aptitude Test and One-on-one Round.
How to prepare for Hinduja Housing Finance 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 Hinduja Housing Finance. The most common topics and skills that interviewers at Hinduja Housing Finance expect are Banking, Corporate Credit, Credit Rating, Credit Risk Analysis and Credit Underwriting.
What are the top questions asked in Hinduja Housing Finance Credit Manager interview?

Some of the top questions asked at the Hinduja Housing Finance Credit Manager interview -

  1. what is the work of a credit mana...read more
  2. Credit analys...read more

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Hinduja Housing Finance Credit Manager Interview Process

based on 1 interview

Interview experience

3
  
Average
View more
Hinduja Housing Finance Credit Manager Salary
based on 54 salaries
₹3 L/yr - ₹7.6 L/yr
37% less than the average Credit Manager Salary in India
View more details

Hinduja Housing Finance Credit Manager Reviews and Ratings

based on 16 reviews

3.9/5

Rating in categories

3.0

Skill development

2.7

Work-life balance

3.5

Salary

3.7

Job security

3.0

Company culture

3.3

Promotions

3.2

Work satisfaction

Explore 16 Reviews and Ratings
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