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Hinduja Leyland Finance Lap Credit Manager Interview Questions and Answers
Hinduja Leyland Finance Lap Credit Manager Interview Experiences
1 interview found
I applied via Referral and was interviewed in May 2019. There were 3 interview rounds.
Interview Questionnaire
3 Questions
- Q1. What are the vendors available and how many are there?
- Ans.
There are multiple vendors available for Credit Manager LAP.
There are several vendors in the market that offer Credit Manager LAP services.
The number of vendors may vary depending on the specific location and market.
Some well-known vendors in this field include ABC Company, XYZ Corporation, and DEF Solutions.
It is recommended to research and compare different vendors to find the one that best suits your needs.
- Q2. What is the DSCR/ FOIR you use?
- Ans.
DSCR and FOIR are financial ratios used by credit managers to assess the creditworthiness of borrowers.
DSCR stands for Debt Service Coverage Ratio and measures a borrower's ability to repay their debt obligations.
FOIR stands for Fixed Obligation to Income Ratio and calculates the proportion of a borrower's income that goes towards fixed obligations like loan repayments.
Credit managers use DSCR and FOIR to evaluate the ...
- Q3. What is the financial power given to you?
- Ans.
As a Credit Manager LAP, I have the financial power to assess and approve or reject loan applications based on creditworthiness and risk analysis.
I have the authority to make decisions regarding loan approvals and rejections.
I can assess the creditworthiness of applicants by analyzing their financial statements, credit history, and other relevant factors.
I have the power to set credit limits and terms for approved loan...
Interview Preparation Tips
Skills evaluated in this interview
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- Q1. What Wosh Exptesone For Salary
- Q2. About Family Details
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- Q1. Different Location
- Ans.
The question is asking about your willingness to work in different locations.
I am open to working in different locations as it provides opportunities for growth and new experiences.
I believe adapting to different environments can enhance my skills and knowledge.
I have previous experience working in various locations and have successfully managed teams in different regions.
- Q2. About Notice and Job tenure
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roshan behera
posted on 2 Feb 2025
Selected
I was interviewed in Jan 2025.
(1 Question)
- Q1. All about credit policy
(2 Questions)
- Q1. Market knowledge about loan products.
- Q2. Types of credit assessment and methods to evaluate applicant cash flow and intention on repayment.
- Ans.
Credit assessment involves analyzing applicant's cash flow and repayment intentions through various methods.
Types of credit assessment include credit reports, financial statements, and credit scoring models.
Methods to evaluate applicant cash flow include analyzing income sources, expenses, and debt obligations.
To assess repayment intentions, lenders may consider credit history, employment stability, and willingness to ...
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- Q1. Stability review in previous company
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posted on 19 Dec 2024
Selected
I applied via Approached by Company and was interviewed in Jun 2024. There was 1 interview round.
(3 Questions)
- Q1. WHAT PRODUCT HANDLING BY YOU ?
- Q2. WHAT IS CURRENT CTC ?
- Q3. QUESTIONS ABOUT PRODUCT KNOWLEDGE.
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posted on 17 Jul 2024
(2 Questions)
- Q1. Previous experience
- Q2. Refered person name in previous company
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posted on 3 Jul 2024
Selected
I applied via Naukri.com and was interviewed in Jun 2024. There was 1 interview round.
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- Q1. If u r fresher then normal basic questions about accounting, finance and loan knowledge
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Anand Kumar
posted on 22 Feb 2024
Selected
I applied via Referral and was interviewed before Feb 2023. There was 1 interview round.
(5 Questions)
- Q1. About your self
- Q2. Why you want to change job
- Q3. What's your hobbies
- Q4. Weakness and strength
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Interview Preparation Tips
I applied via Naukri.com and was interviewed in Mar 2023. There were 2 interview rounds.
(2 Questions)
- Q1. Brief on kind of work done in earlier job
- Q2. How would to assess a credit proposal?
- Ans.
Assessing a credit proposal involves analyzing the borrower's financial history, creditworthiness, and ability to repay the loan.
Review the borrower's credit report and score
Analyze the borrower's income and expenses
Evaluate the purpose of the loan and the borrower's ability to repay it
Consider any collateral or guarantors offered by the borrower
Assess the overall risk of the loan and make a recommendation
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