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Hinduja Leyland Finance Lap Credit Manager Interview Questions and Answers

Updated 15 Nov 2019

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.

  • Answered by AI
  • 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 ...

  • Answered by AI
  • 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...

  • Answered by AI

Interview Preparation Tips

Interview preparation tips for other job seekers - My experience pertains to Credit, so mastering the basics and knowing various methods of analysing or appraising will help in a lot of ways

Skills evaluated in this interview

Interview questions from similar companies

Interview experience
5
Excellent
Difficulty level
-
Process Duration
-
Result
-
Round 1 - One-on-one 

(2 Questions)

  • Q1. Pervious Job Profile
  • Q2. Handle Team Size
Round 2 - HR 

(2 Questions)

  • Q1. What Wosh Exptesone For Salary
  • Q2. About Family Details
Round 3 - One-on-one 

(2 Questions)

  • 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.

  • Answered by AI
  • Q2. About Notice and Job tenure

Interview Preparation Tips

Interview preparation tips for other job seekers - Not good culture
Interview experience
5
Excellent
Difficulty level
Easy
Process Duration
Less than 2 weeks
Result
Selected Selected

I was interviewed in Jan 2025.

Round 1 - One-on-one 

(1 Question)

  • Q1. All about credit policy
Interview experience
4
Good
Difficulty level
-
Process Duration
-
Result
-
Round 1 - One-on-one 

(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 ...

  • Answered by AI
Round 2 - HR 

(2 Questions)

  • Q1. Stability review in previous company
  • Q2. Attitude and intention and work ethics

Interview Preparation Tips

Interview preparation tips for other job seekers - Be professional in reply and be open in giving out what you know.
Interview experience
5
Excellent
Difficulty level
Moderate
Process Duration
Less than 2 weeks
Result
Selected Selected

I applied via Company Website

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 - Group Discussion 

Focus on financial management topic

Round 3 - Case Study 

In which our knowledge put as per situation

Round 4 - HR 

(1 Question)

  • Q1. Previous year skills and salary
  • Ans. 

    The candidate should discuss their skills and salary from the previous year.

    • Discuss the relevant skills acquired in the previous year.

    • Mention any certifications or training completed.

    • Highlight achievements or projects completed.

    • Discuss the salary range from the previous year.

    • Explain any salary increments or bonuses received.

  • Answered by AI
Round 5 - One-on-one 

(2 Questions)

  • Q1. Skills and knowledge of product
  • Q2. Grip on work and product also team handles

Interview Preparation Tips

Interview preparation tips for other job seekers - If you have freshers plz knowledge of financial line and system
Interview experience
1
Bad
Difficulty level
-
Process Duration
-
Result
-
Round 1 - One-on-one 

(2 Questions)

  • Q1. Previous experience
  • Q2. Refered person name in previous company

Interview Preparation Tips

Interview preparation tips for other job seekers - Nothing
Interview experience
4
Good
Difficulty level
Easy
Process Duration
More than 8 weeks
Result
Selected Selected

I applied via Naukri.com and was interviewed in Jun 2024. There was 1 interview round.

Round 1 - HR 

(2 Questions)

  • Q1. Salary expected
  • Q2. Work experience

Interview Preparation Tips

Interview preparation tips for other job seekers - Naukri is a good platform for job placement
Interview experience
4
Good
Difficulty level
-
Process Duration
-
Result
-
Round 1 - HR 

(1 Question)

  • Q1. About loan , basic genral knowledge questions regarding finance
Round 2 - One-on-one 

(1 Question)

  • Q1. If u r fresher then normal basic questions about accounting, finance and loan knowledge
Interview experience
4
Good
Difficulty level
Easy
Process Duration
Less than 2 weeks
Result
Selected Selected

I applied via Referral and was interviewed before Feb 2023. There was 1 interview round.

Round 1 - One-on-one 

(5 Questions)

  • Q1. About your self
  • Q2. Why you want to change job
  • Q3. What's your hobbies
  • Q4. Weakness and strength
  • Q5. Your notice period

Interview Preparation Tips

Interview preparation tips for other job seekers - Nothing to worry about. You will select easily
Interview experience
4
Good
Difficulty level
Moderate
Process Duration
Less than 2 weeks
Result
Not 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 

(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

  • Answered by AI

Hinduja Leyland Finance Interview FAQs

What are the top questions asked in Hinduja Leyland Finance Lap Credit Manager interview?

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

  1. What are the vendors available and how many are the...read more
  2. What is the financial power given to y...read more
  3. What is the DSCR/ FOIR you us...read more

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Hinduja Leyland Finance Lap Credit Manager Salary
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₹3.2 L/yr - ₹8.5 L/yr
11% less than the average Lap Credit Manager Salary in India
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