10+ Bhavani Erectors Interview Questions and Answers

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.

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 loans.

• I can negotiate with borrowers to modify loan terms or r...read more

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 risk associated with lending to a borrower.

• A higher DSCR i...read more

If a customer does not pay, it is important to follow a systematic approach to ensure payment is received.

• Contact the customer to remind them of the outstanding payment

• Offer flexible payment options or negotiate a payment plan

• Escalate the matter to a supervisor or manager if necessary

• Consider legal action or involving a collection agency as a last resort

To collect EMI from hard customers, it is important to establish clear communication, offer flexible payment options, and escalate to higher authorities if necessary.

• Establish clear communication with the customer to understand their situation and negotiate a feasible payment plan.

• Offer flexible payment options such as extending the deadline, reducing the amount, or setting up a payment schedule.

• Escalate the issue to higher authorities or legal action if the customer continue...read more

The face for the customer in 3 duckect refers to the different perspectives or aspects of customer interaction and satisfaction.

• Understanding the customer's needs and preferences

• Providing excellent customer service

• Resolving any issues or complaints efficiently

Hinduja Leyland Finance is a leading non-banking financial company in India.

• Hinduja Leyland Finance is a subsidiary of Hinduja Group, one of the largest diversified groups in the world.

• It offers a wide range of financial products and services including vehicle loans, SME loans, and corporate loans.

• The company has a strong presence in the commercial vehicle financing segment.

• Hinduja Leyland Finance has a pan-India network of branches and customer touchpoints.

• It focuses on prov...read more

Working on field involves conducting visits to clients, assessing their situation, negotiating payment plans, and ensuring compliance.

• Schedule visits to clients based on priority and location

• Assess the client's financial situation and ability to pay

• Negotiate payment plans that are feasible for the client and beneficial for the company

• Ensure compliance with payment agreements and follow up on overdue accounts

• Maintain detailed records of client interactions and payment history

Engine cooling process involves removing excess heat from the engine to maintain optimal temperature.

• The cooling process typically involves a coolant, such as water or a mixture of water and antifreeze, circulating through the engine.

• The coolant absorbs heat from the engine and carries it to the radiator.

• In the radiator, the heat is dissipated into the surrounding air through the process of convection.

• Types of engine cooling systems include air cooling, liquid cooling, and hy...read more

I have 3 years of sales experience in the technology industry, where I consistently exceeded targets.

• Managed a portfolio of clients and successfully upsold products/services

• Implemented strategic sales tactics to increase revenue

• Utilized CRM software to track leads and conversions

The engine firing order refers to the specific sequence in which the cylinders of an engine ignite their fuel-air mixture.

• The firing order is determined by the engine design and can vary between different engine types.

• It is important for proper engine operation and timing.

• The firing order is usually specified in the engine's service manual or can be found online.

• For example, a common firing order for a V8 engine is 1-8-4-3-6-5-7-2.