Qwixpert Interview Questions and Answers

No, high GST TO does not necessarily indicate good financial health if banking EOD balances are poor.

• High GST TO could be due to high sales but poor collection of receivables

• Poor banking EOD balances could indicate cash flow issues or mismanagement of funds

• Further investigation into the reasons behind poor EOD balances is necessary before making a decision

Parameters checked in banking include credit score, income, employment history, debt-to-income ratio, and credit report.

• Credit score

• Income

• Employment history

• Debt-to-income ratio

• Credit report

In CIBIL, credit managers check credit scores and credit reports to assess an individual's creditworthiness.

• Check credit scores to determine the individual's credit risk

• Review credit reports for any past credit history, outstanding debts, and payment patterns

• Assess the individual's creditworthiness based on the information obtained from CIBIL

I would review the dpds from the last 12 months to assess the credit risk and make informed decisions.

• Reviewing the dpds from the last 12 months helps in understanding the credit risk associated with customers.

• Analyzing the trends in dpds can provide insights into the financial health of the customers.

• Taking proactive measures based on the dpds data can help in minimizing credit losses.

• Using the dpds data to adjust credit terms or limits for high-risk customers.

• Discussing the...read more

I will check financial statements, credit reports, payment history, and debt-to-income ratio.

• Review financial statements to assess financial health

• Check credit reports for credit history and score

• Analyze payment history to determine reliability

• Calculate debt-to-income ratio to evaluate ability to repay debts