HONDA R&D (INDIA) PRIVATE LIMITED Deputy Manager Interview Questions and Answers

Q1. Complete Cv screening, ratio analysis, US market, recent financial events, GAAP adjustments
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Any public listed company, make a credit report

Q1. Why acuity, next 5 years, what was your last profile
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Q1. In depth understanding of accounting
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Q1. What are Covenants in Commercial Lending
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Covenants in commercial lending are conditions set by lenders that borrowers must meet to maintain the loan agreement.
• Covenants are financial ratios or performance metrics that borrowers must adhere to

• They are designed to protect the lender by ensuring the borrower remains financially stable

• Examples include debt-to-equity ratio, interest coverage ratio, and minimum liquidity requirements
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Q2. What is the difference between Bank Guarantee and Letter of Credit
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Bank Guarantee is a guarantee from a bank that a borrower will fulfill their financial obligations, while Letter of Credit is a payment method where the bank guarantees payment to the seller.
• Bank Guarantee is a guarantee provided by a bank to a beneficiary in case the applicant fails to fulfill their obligations.

• Letter of Credit is a payment method where the bank guarantees payment to the seller upon presentation of sp...read more
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Q3. What is Collateral in Commercial Lending
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Collateral in commercial lending refers to assets that a borrower pledges to a lender as security for a loan.
• Collateral can include real estate, equipment, inventory, accounts receivable, or other valuable assets.

• The lender can seize and sell the collateral if the borrower defaults on the loan.

• Collateral helps reduce the lender's risk and allows borrowers to access financing at lower interest rates.

• The value of the col...read more
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Q1. Self Introduction
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Q2. Situation based questions like Conflict of interest amongst team members, How to handle in case of high volumes, Any new updates on Secondary Loan Trading
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Q3. What is a Credit Agreement
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A Credit Agreement is a contract between a borrower and a lender outlining the terms and conditions for a loan.
• It specifies the amount of the loan, interest rate, repayment schedule, and any collateral required.

• The agreement also includes provisions for default, late payments, and other consequences.

• Credit agreements can be for various types of loans, such as mortgages, car loans, or personal loans.
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Q1. Based on the corporate exposure so far.
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Q2. How to analyse counterparty based on the various parameters considering the industry in which they operate.
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Analyzing counterparties involves assessing financial health, operational capacity, and industry-specific risks.
• Financial Stability: Review financial statements, credit ratings, and cash flow to assess risk. Example: A counterparty with a high debt-to-equity ratio may be riskier.

• Operational Capacity: Evaluate the counterparty's ability to deliver on commitments. Example: A logistics company with a robust fleet is more ...read more
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Q1. Same as mentioned earlier
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Q2. Same as mentioned above
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Q1. What do u I know
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Q1. What is working tech stack
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A working tech stack is a combination of technologies used to build and run a software application.
• Includes programming languages, frameworks, libraries, databases, servers, and other tools

• Should be chosen based on the specific requirements of the project

• Examples: MEAN stack (MongoDB, Express.js, AngularJS, Node.js), LAMP stack (Linux, Apache, MySQL, PHP)
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Q1. Salary negotiation
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Q1. Project related and technical studf
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Q1. Project and future roadmap
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Q1. Personal details and future plan
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Q1. All technical questions related to technology
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Q1. Technical questions on technology and experience
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Q1. Offer discussion on compensation and doj
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Q2. HR discussion on compensation
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