Indostar Capital Finance Credit Officer Interview Questions and Answers

Q1. Bank vs NBFC differences
Ans. 
Banks are regulated by RBI, while NBFCs are regulated by Companies Act. Banks can accept demand deposits, while NBFCs cannot.
• Banks are financial institutions that are regulated by the Reserve Bank of India (RBI), while Non-Banking Financial Companies (NBFCs) are regulated by the Companies Act.

• Banks can accept demand deposits, while NBFCs cannot.

• Banks can issue cheques and demand drafts, while NBFCs cannot.

• Banks can off...read more
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Q2. How to assess cashflow n liquidity
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Assessing cashflow and liquidity involves analyzing financial statements and ratios to determine the ability of a company to meet its financial obligations.
• Reviewing cash flow statements to determine the inflow and outflow of cash

• Analyzing liquidity ratios such as current ratio and quick ratio

• Assessing the company's ability to generate cash through operations

• Evaluating the company's debt-to-equity ratio and debt servic...read more
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Q1. Basic knowledge of background check of company n various loan products offered by nbfcs
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Q1. Why do you want to leave your present Job ?
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Credit Apprisal, Process of Loan disbursement, KYC DOCUMENTS VERIFICATION

Q1. Previous work experience
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Q2. Nananaanaananamamamamam
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Q1. Praise the company …thats it
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Q1. Ms excell with branch handling
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Q2. About goals and business support view as per policy
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Q3. Credit policy overview
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Credit policy overview refers to the guidelines and procedures set by a company to manage credit risk.
• Credit policy overview outlines the criteria for granting credit to customers.

• It includes the credit evaluation process, credit limits, and payment terms.

• The policy also defines the consequences of defaulting on payments and the steps to be taken in case of delinquency.

• For example, a company may have a policy of granti...read more
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SUPPOSE YOU HAVE TO FINANCE TRUCK TO A DRIVER PROFILE WHAT SHOULD BE CRITERIA FOR ELIGIBILITY - I ANSWERED AS HAVE MINIMUM EXPERIENCE OF 3 YEARS, SHOULD HAVE OWN HOUSE, SHOULD HAVE SOUND KNOWLEDGE OF MARKET WHERE HIS FLEET RUN, GOOD CIBIL SCORE, GOOD IF PROVIDES GUARANTOR

Q1. WHY WE SHOULD WE HIRE YOU?
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Q2. WHY WOULD YOU LIKE TO JOIN MAS?
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