Hinduja Leyland Finance HUB Credit Administrator Interview Questions and Answers

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

Q1. About CRIF, About MSME and LAP , About Field Verification and Document verification and Previous Experience Details
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Q1. Salary and Documents
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Q1. What do you know about loans
Ans. 
Loans are financial agreements where a lender provides funds to a borrower, who agrees to repay the loan with interest over a set period of time.
• Loans involve a lender providing funds to a borrower, who agrees to repay the loan amount along with interest.

• There are different types of loans such as personal loans, home loans, car loans, and business loans.

• Interest rates on loans can be fixed or variable depending on the ...read more
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Q2. Some questions were asked regarding the loan like what is a FOIR
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Q3. How to check bank statement
Ans. 
To check a bank statement, log in to your online banking account or visit a branch to request a printed statement.
• Log in to your online banking account using your username and password

• Navigate to the section where you can view your account statements

• Select the time period for which you want to view the statement

• Download or print the statement for your records

• If you prefer a printed statement, visit a branch and request
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Q1. Simple and quick
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Q2. Self introduction and about on related to finance and banking related quation
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Q1. About your self
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Q2. Why you want to change job
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Q3. What's your hobbies
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Q4. Weakness and strength
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Q5. Your notice period
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