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Jana Small Finance Bank Credit Manager Interview Questions and Answers

Updated 15 Aug 2024

Jana Small Finance Bank Credit Manager Interview Experiences

3 interviews found

I applied via AmbitionBox and was interviewed in Dec 2021. There was 1 interview round.

Round 1 - One-on-one 

(2 Questions)

  • Q1. How to identify the property
  • Ans. 

    Identifying property involves verifying ownership and physical characteristics.

    • Check property records at the county clerk's office

    • Inspect the property for physical features and condition

    • Verify ownership through title search or deed

    • Check for liens or encumbrances on the property

    • Compare property details with public records and tax assessments

  • Answered by AI
  • Q2. How to workout cash flow
  • Ans. 

    Cash flow can be worked out by analyzing the inflow and outflow of cash in a business.

    • Determine the starting cash balance

    • Add up all cash inflows (sales, loans, investments)

    • Subtract all cash outflows (expenses, loan payments, dividends)

    • Calculate the ending cash balance

    • Use cash flow statement to track changes in cash balance over time

  • Answered by AI

Interview Preparation Tips

Interview preparation tips for other job seekers - It's very useful to develop my knowledge

Credit Manager Interview Questions & Answers

user image kuldeep patil

posted on 15 Aug 2024

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

(2 Questions)

  • Q1. Introduction and knowledge
  • Q2. Credit Underwriting

Credit Manager Interview Questions Asked at Other Companies

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Q4. Which clauses are important in 3CD while sanctioning loan
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Q5. What are the key skills of credit manager?
Round 1 - One-on-one 

(1 Question)

  • Q1. What about credit process.
  • Ans. 

    The credit process involves assessing the creditworthiness of individuals or businesses to determine their eligibility for credit.

    • The credit process begins with the collection of relevant financial information from the applicant.

    • This information is then analyzed to evaluate the applicant's ability to repay the credit.

    • Credit managers may use various tools and techniques such as credit scoring models, financial statement...

  • Answered by AI

Interview Preparation Tips

Interview preparation tips for other job seekers - Please share correct pattern of process. Where people apply for position.

Interview questions from similar companies

Interview experience
5
Excellent
Difficulty level
Moderate
Process Duration
4-6 weeks
Result
Selected Selected

I was interviewed in Aug 2024.

Round 1 - One-on-one 

(3 Questions)

  • Q1. What were your major findings during the audit?
  • Ans. 

    During the audit, major findings included high levels of overdue accounts, discrepancies in financial records, and inadequate credit risk assessment procedures.

    • High levels of overdue accounts were identified, indicating potential cash flow issues.

    • Discrepancies in financial records were found, suggesting errors or fraud.

    • Inadequate credit risk assessment procedures were noted, increasing the company's exposure to bad deb

  • Answered by AI
  • Q2. How do you conduct a fraud investigation?
  • Ans. 

    Fraud investigations involve gathering evidence, analyzing data, interviewing witnesses, and collaborating with law enforcement.

    • Start by gathering all relevant documents and data related to the suspected fraud.

    • Conduct interviews with employees, customers, and other relevant parties to gather information and potential leads.

    • Analyze financial records, transactions, and other evidence to identify any irregularities or sus...

  • Answered by AI
  • Q3. What is your motivation for seeking an individual role when you are currently in a team position?
  • Ans. 

    I am seeking an individual role to take on more responsibility and challenge myself to grow professionally.

    • Seeking new challenges and opportunities for growth

    • Desire for more responsibility and autonomy

    • Ability to showcase individual skills and contributions

    • Personal career development goals

  • Answered by AI
Round 2 - One-on-one 

(2 Questions)

  • Q1. How do you manage fraud investigations?
  • Ans. 

    I manage fraud investigations by conducting thorough analysis, utilizing fraud detection tools, collaborating with law enforcement, and implementing preventative measures.

    • Conduct thorough analysis of suspicious activities and transactions

    • Utilize fraud detection tools and software to identify potential fraudulent behavior

    • Collaborate with law enforcement agencies and regulatory bodies to investigate and prosecute fraudst...

  • Answered by AI
  • Q2. How do you plan to manage the entire Madhya Pradesh state?
  • Ans. 

    I plan to manage the entire Madhya Pradesh state by implementing efficient credit policies, building strong relationships with clients and stakeholders, and closely monitoring credit risk.

    • Developing and implementing credit policies and procedures to ensure timely and accurate credit decisions

    • Building strong relationships with clients, vendors, and other stakeholders to facilitate smooth credit transactions

    • Closely monit...

  • Answered by AI

Interview Preparation Tips

Interview preparation tips for other job seekers - Prepare thoroughly for your interview, as there will also be situational-based questions.
Interview experience
4
Good
Difficulty level
-
Process Duration
-
Result
-
Round 1 - Aptitude Test 

Reasoning, quantitative skills, and English language proficiency.

Round 2 - Interview 

(1 Question)

  • Q1. How should one prepare for analyzing financial statements, balance sheets, and assessing limits?
Interview experience
2
Poor
Difficulty level
Moderate
Process Duration
4-6 weeks
Result
Selected Selected

I was interviewed in Jul 2024.

Round 1 - One-on-one 

(3 Questions)

  • Q1. Can you provide some information about yourself?
  • Q2. What is your experience related to this field?l
  • Q3. Your achievements
Round 2 - Aptitude Test 

Reasoning, logical, and mathematical skills.

Round 3 - HR 

(1 Question)

  • Q1. What is your current salary, and how would you like to discuss it?

Interview Preparation Tips

Interview preparation tips for other job seekers - Avoid joining IDFC due to its poor work culture.

Credit Manager Interview Questions & Answers

ICICI Bank user image saikiran Thotapally

posted on 24 Jan 2025

Interview experience
5
Excellent
Difficulty level
Easy
Process Duration
Less than 2 weeks
Result
Selected Selected

I was interviewed in Dec 2024.

Round 1 - Technical 

(2 Questions)

  • Q1. Do you know about CIBIL
  • Ans. 

    CIBIL is a credit information company that provides credit scores to individuals based on their credit history.

    • CIBIL stands for Credit Information Bureau (India) Limited

    • It is one of the four credit information companies in India

    • CIBIL collects and maintains records of individuals' credit information, including loans and credit card payments

    • Credit scores provided by CIBIL range from 300 to 900, with higher scores indicat

  • Answered by AI
  • Q2. What are the documents required for salaries persona
  • Ans. 

    Documents required for salaries persona

    • Proof of identity (e.g. passport, driver's license)

    • Proof of address (e.g. utility bill, bank statement)

    • Bank account details for salary transfer

    • Tax identification number (e.g. Social Security Number)

    • Employment contract or offer letter

  • Answered by AI

Credit Manager Interview Questions & Answers

Axis Bank user image Siva Naga Vijay Babu guggilam

posted on 17 Jul 2024

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

(5 Questions)

  • Q1. About experiences
  • Q2. Knowledge on ratios
  • Q3. Training skills
  • Q4. MS office knowledge required
  • Q5. Market knowledge

Interview Preparation Tips

Interview preparation tips for other job seekers - Good communication skills Good financial knowledge required
Interview experience
5
Excellent
Difficulty level
-
Process Duration
-
Result
Selected Selected
Round 1 - Technical 

(2 Questions)

  • Q1. How do you fund a applicant
  • Ans. 

    Funding an applicant involves evaluating their creditworthiness and determining the appropriate amount and terms of the loan.

    • Evaluate the applicant's credit history, income, and debt-to-income ratio

    • Determine the appropriate loan amount based on the applicant's financial situation

    • Decide on the terms of the loan including interest rate, repayment period, and collateral requirements

    • Obtain necessary documentation such as p...

  • Answered by AI
  • Q2. Ratios analysis , banking analaysis

Interview Preparation Tips

Interview preparation tips for other job seekers - Know your product well interviewer will ask basis you experience in resume
Interview experience
3
Average
Difficulty level
Easy
Process Duration
Less than 2 weeks
Result
Selected Selected

I applied via LinkedIn and was interviewed in Jan 2024. There were 3 interview rounds.

Round 1 - Aptitude Test 

Assessment,................

Round 2 - Technical 

(1 Question)

  • Q1. About yourself, why this Job
Round 3 - HR 

(1 Question)

  • Q1. Salary discussion

Jana Small Finance Bank Interview FAQs

How many rounds are there in Jana Small Finance Bank Credit Manager interview?
Jana Small Finance Bank interview process usually has 1 rounds. The most common rounds in the Jana Small Finance Bank interview process are One-on-one Round.
How to prepare for Jana Small Finance Bank Credit Manager interview?
Go through your CV in detail and study all the technologies mentioned in your CV. Prepare at least two technologies or languages in depth if you are appearing for a technical interview at Jana Small Finance Bank. The most common topics and skills that interviewers at Jana Small Finance Bank expect are Credit Risk, Credit Analysis, Credit Control, Credit Management and Credit Rating.
What are the top questions asked in Jana Small Finance Bank Credit Manager interview?

Some of the top questions asked at the Jana Small Finance Bank Credit Manager interview -

  1. What about credit proce...read more
  2. How to identify the prope...read more
  3. How to workout cash f...read more

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Jana Small Finance Bank Credit Manager Interview Process

based on 1 interview

1 Interview rounds

  • One-on-one Round
View more
Jana Small Finance Bank Credit Manager Salary
based on 189 salaries
₹1.5 L/yr - ₹10 L/yr
25% less than the average Credit Manager Salary in India
View more details

Jana Small Finance Bank Credit Manager Reviews and Ratings

based on 38 reviews

3.7/5

Rating in categories

3.5

Skill development

3.6

Work-life balance

3.6

Salary

3.3

Job security

3.5

Company culture

3.4

Promotions

3.3

Work satisfaction

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