Kogta Financial India Limited Cluster Credit Manager 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

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 cre...read more

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

Title flow refers to the process of changing the title of a vehicle from one owner to another.

• Title flow involves transferring ownership of a vehicle from one party to another

• It typically includes completing paperwork, paying fees, and obtaining a new title in the new owner's name

• Examples of title flow include selling a car and transferring the title to the new owner, or inheriting a vehicle and updating the title acco

The most important part of a technical report is the executive summary.

• Provides a concise overview of the report's key findings and recommendations

• Helps busy stakeholders quickly understand the main points without reading the entire report

• Should be written last after the rest of the report is completed