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Karur Vysya Bank Credit Manager Interview Questions, Process, and Tips

Updated 25 Aug 2024

Top Karur Vysya Bank Credit Manager Interview Questions and Answers

Karur Vysya Bank Credit Manager Interview Experiences

2 interviews found

Interview experience
5
Excellent
Difficulty level
Moderate
Process Duration
2-4 weeks
Result
Selected Selected

I applied via Referral and was interviewed in Feb 2024. There was 1 interview round.

Round 1 - Technical 

(7 Questions)

  • Q1. What is the concept of LTV?
  • Ans. 

    LTV stands for Lifetime Value, which is the predicted net profit attributed to the entire future relationship with a customer.

    • LTV helps businesses understand the long-term value of a customer and make decisions on customer acquisition and retention strategies.

    • It takes into account factors such as customer acquisition cost, average purchase value, and customer lifespan.

    • For example, if a customer typically makes a $100 p...

  • Answered by AI
  • Q2. What is DSCR and how do you check loan eligibility for a self employed non professional?
  • Ans. 

    DSCR stands for Debt Service Coverage Ratio. To check loan eligibility for a self employed non professional, you would typically calculate their DSCR.

    • DSCR is a financial ratio that measures a company's ability to cover its debt obligations with its operating income.

    • To calculate DSCR, you divide the company's net operating income by its total debt service.

    • A DSCR of 1 or higher indicates that the company generates enough...

  • Answered by AI
  • Q3. What is CIBIL and what do you check in detail?
  • Ans. 

    CIBIL is a credit information company that provides credit scores based on an individual's credit history.

    • CIBIL stands for Credit Information Bureau (India) Limited.

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

    • CIBIL collects credit information from banks and financial institutions to generate credit reports and scores.

    • Factors checked include payment history, credit utilization, length of credit history, ...

  • Answered by AI
  • Q4. How do you check eligibility for a salaried employee?
  • Ans. 

    Eligibility for a salaried employee is checked by verifying their employment status, income level, and credit history.

    • Verify employment status through pay stubs or employment verification letter

    • Check income level through recent pay stubs or tax returns

    • Review credit history through credit reports from bureaus like Equifax or TransUnion

  • Answered by AI
  • Q5. What is Repo Rate and Reverse Repo Rate
  • Ans. 

    Repo rate is the rate at which the central bank lends money to commercial banks, while reverse repo rate is the rate at which the central bank borrows money from commercial banks.

    • Repo rate is used by the central bank to control inflation and liquidity in the economy.

    • Reverse repo rate is used to absorb excess liquidity in the market.

    • Repo rate is higher than the reverse repo rate.

    • Example: If the repo rate is 5% and the r...

  • Answered by AI
  • Q6. What are KYC documents? Is PAN card a KYC document ?
  • Ans. 

    KYC documents are documents required for verifying the identity of customers. PAN card is a KYC document.

    • KYC documents are Know Your Customer documents used for verifying the identity of customers.

    • Examples of KYC documents include Aadhaar card, passport, driver's license, and voter ID card.

    • PAN card is also considered a KYC document as it contains details such as name, date of birth, and photograph of the individual.

  • Answered by AI
  • Q7. What will you discuss during Personal Discussion (PD) with potential customer and what will you observe during the PD?
  • Ans. 

    During a Personal Discussion with a potential customer, a Credit Manager will discuss the customer's financial situation, credit history, repayment capabilities, and any potential risks. They will observe the customer's communication skills, honesty, and willingness to provide necessary information.

    • Discuss the customer's financial situation and income sources.

    • Review the customer's credit history and repayment track rec...

  • Answered by AI

Interview Preparation Tips

Topics to prepare for Karur Vysya Bank Credit Manager interview:
  • Chartered Accountant
  • Mba Finance
  • bcom
Interview preparation tips for other job seekers - The questions above are for experienced candidates.

Most of the banks asks about Documents like Legal and Technical, Sale Deed, Agreement of Sale, Link Documents,........ relating to Mortgage Loans(Home Loan, LAP)

Credit Manager Interview Questions & Answers

user image Kashish Goyal

posted on 4 May 2024

Interview experience
4
Good
Difficulty level
Moderate
Process Duration
Less than 2 weeks
Result
Selected Selected

I applied via Campus Placement and was interviewed before May 2023. There was 1 interview round.

Round 1 - One-on-one 

(1 Question)

  • Q1. About work done during articleship and latest banking news and rbi circular

Credit Manager Interview Questions Asked at Other Companies

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Q4. Which clauses are important in 3CD while sanctioning loan
asked in ICICI Bank
Q5. What are the key skills of credit manager?

Interview questions from similar companies

Interview experience
4
Good
Difficulty level
-
Process Duration
-
Result
-
Round 1 - Technical 

(1 Question)

  • Q1. RBI rates applicable in India
  • Ans. 

    RBI rates in India refer to the interest rates set by the Reserve Bank of India for lending and borrowing of funds.

    • RBI's key policy rates include the repo rate, reverse repo rate, and marginal standing facility rate.

    • These rates influence the borrowing and lending rates for banks and ultimately impact the economy.

    • For example, a decrease in the repo rate can lead to lower interest rates on loans for consumers and busines

  • Answered by AI
Round 2 - Technical 

(1 Question)

  • Q1. Different export finance
  • Ans. 

    Export finance refers to financial products and services that assist businesses in international trade transactions.

    • Export finance can include trade credit insurance, export factoring, letters of credit, and export credit agencies.

    • These financial products help mitigate risks associated with exporting goods and services to foreign markets.

    • Export finance can also involve currency exchange services to manage foreign excha...

  • Answered by AI

Interview Preparation Tips

Interview preparation tips for other job seekers - Technical and group discussions
Interview experience
4
Good
Difficulty level
-
Process Duration
-
Result
-
Round 1 - Aptitude Test 

The basic aptitude test conducted

Round 2 - Group Discussion 

A list of topics provided. The entire group unanimously picked up the single topic.

Round 3 - Technical 

(2 Questions)

  • Q1. What are the important factors to consider when assessing a lending decision?
  • Ans. 

    Important factors to consider when assessing a lending decision

    • Borrower's credit history and credit score

    • Income and employment stability of the borrower

    • Debt-to-income ratio of the borrower

    • Purpose of the loan and the borrower's ability to repay

    • Collateral or assets provided by the borrower

    • Interest rates and terms of the loan

  • Answered by AI
  • Q2. Various financial statements

I applied via Campus Placement and was interviewed before Jul 2021. There were 2 interview rounds.

Round 1 - Aptitude Test 

IBPS type of exam , a little less hard

Round 2 - Group Discussion 

Be open to ideas and honest

Interview Preparation Tips

Topics to prepare for Federal Bank Senior Manager interview:
  • General awareness
Interview preparation tips for other job seekers - Be creative and honest and be your own self, Genral knowledge is very important
Interview experience
3
Average
Difficulty level
Moderate
Process Duration
4-6 weeks
Result
Selected Selected

I was interviewed before Jan 2023.

Round 1 - One-on-one 

(1 Question)

  • Q1. Basic questions about current role
Round 2 - One-on-one 

(2 Questions)

  • Q1. Basic questions about current role
  • Q2. Basic questions about current job
Interview experience
2
Poor
Difficulty level
Hard
Process Duration
2-4 weeks
Result
No response

I applied via Referral and was interviewed before Mar 2023. There were 2 interview rounds.

Round 1 - One-on-one 

(1 Question)

  • Q1. 1st was telephonic round where the Product Head asked me about my profile .Job details ,salary expectations,Reason for change and basic questions like years of work experience and native place,Type of pro...
Round 2 - Technical 

(1 Question)

  • Q1. A senior person took my interview questioned me for around 40-45 minutes or personal things also he asked like if I have children where will they study and asked me about details of the project and was con...

Interview Preparation Tips

Interview preparation tips for other job seekers - Understand if the interviewer is actually serious in recruitment or just filling there time activity list and wasting your time without any clarity or any vacancy.I have got so many interviews where the team managers just to fill their time takes an interview and stereotype you for some reason or other.Beware of fake job interviews and interviewers
Interview experience
2
Poor
Difficulty level
Moderate
Process Duration
6-8 weeks
Result
Selected Selected

I applied via Recruitment Consulltant and was interviewed in Jul 2024. There were 3 interview rounds.

Round 1 - One-on-one 

(2 Questions)

  • Q1. General discussion
  • Q2. Experience
Round 2 - Group Discussion 

Regional Head along with National Head

Round 3 - HR 

(1 Question)

  • Q1. Salary discussion.

I applied via Campus Placement and was interviewed before Oct 2020. There was 1 interview round.

Interview Questionnaire 

2 Questions

  • Q1. How can you contribute to the growth of South Indian Bank
  • Q2. What do you think is the competitive advantage of South Indian Bank
  • Ans. 

    South Indian Bank's competitive advantage lies in its strong customer base, innovative products, and efficient operations.

    • Strong customer base with a focus on personalized service

    • Innovative products like SIB Mirror+ and SIB M-Pay

    • Efficient operations with a low cost-to-income ratio

    • Robust risk management practices

    • Strong digital presence with a user-friendly mobile app

    • Diversified loan portfolio with a focus on SMEs and re

  • Answered by AI

Interview Preparation Tips

Interview preparation tips for other job seekers - Learn thoroughly about the Bank, and have basic knowledge of its key products.

I applied via Recruitment Consultant and was interviewed in Sep 2021. There were 3 interview rounds.

Interview Questionnaire 

1 Question

  • Q1. Previous company work related questions

Interview Preparation Tips

Interview preparation tips for other job seekers - Confidential or eye contact is very most
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Karur Vysya Bank Interview FAQs

How many rounds are there in Karur Vysya Bank Credit Manager interview?
Karur Vysya Bank interview process usually has 1 rounds. The most common rounds in the Karur Vysya Bank interview process are One-on-one Round and Technical.
What are the top questions asked in Karur Vysya Bank Credit Manager interview?

Some of the top questions asked at the Karur Vysya Bank Credit Manager interview -

  1. What are KYC documents? Is PAN card a KYC documen...read more
  2. How do you check eligibility for a salaried employ...read more
  3. What is CIBIL and what do you check in deta...read more

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Karur Vysya Bank Credit Manager Interview Process

based on 3 interviews

Interview experience

4.7
  
Excellent
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Karur Vysya Bank Credit Manager Salary
based on 82 salaries
₹6 L/yr - ₹16 L/yr
35% more than the average Credit Manager Salary in India
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Karur Vysya Bank Credit Manager Reviews and Ratings

based on 7 reviews

4.5/5

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3.9

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