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Kogta Financial India Limited Credit Officer Interview Questions and Answers

Updated 13 Dec 2023

Kogta Financial India Limited Credit Officer Interview Experiences

1 interview found

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

I applied via Walk-in and was interviewed in Nov 2023. There were 3 interview rounds.

Round 1 - Resume Shortlist 
Pro Tip by AmbitionBox:
Properly align and format text in your resume. A recruiter will have to spend more time reading poorly aligned text, leading to high chances of rejection.
View all Resume tips
Round 2 - One-on-one 

(5 Questions)

  • Q1. One on one round to be clear.
  • Q2. Personal details discussed.
  • Q3. Educational qualification discussed.
  • Q4. Field activities discussed.
  • Q5. Area knowledge discussed.
Round 3 - Aptitude Test 

Nothing every thing is good.

Interview Preparation Tips

Interview preparation tips for other job seekers - Nothing every thing is excellence.

Interview questions from similar companies

I applied via Naukri.com and was interviewed before Apr 2021. There were 2 interview rounds.

Round 1 - Resume Shortlist 
Pro Tip by AmbitionBox:
Keep your resume crisp and to the point. A recruiter looks at your resume for an average of 6 seconds, make sure to leave the best impression.
View all Resume tips
Round 2 - HR 

(1 Question)

  • Q1. Tell me about yourself.

Interview Preparation Tips

Interview preparation tips for other job seekers - Total 2 round HR and product head

Interview Questionnaire 

1 Question

  • Q1. There are asking to me first .me & my family background, also checking my work experience stability of job ,company detail where you go for interview products knowledge most important thing your body lang...

I applied via Company Website and was interviewed before Dec 2020. There was 1 interview round.

Interview Questionnaire 

3 Questions

  • Q1. What is finance Company
  • Ans. 

    A finance company is a financial institution that provides loans, investments, and other financial services to individuals and businesses.

    • Finance companies specialize in providing loans and credit to customers who may not qualify for traditional bank loans.

    • They may also offer leasing and financing options for businesses to acquire equipment and vehicles.

    • Examples of finance companies include American Express, Capital On...

  • Answered by AI
  • Q2. What is your work in this company
  • Q3. To whom will you give loan on what terms?
  • Ans. 

    I will give loans to individuals and businesses with good credit history and stable income on reasonable terms.

    • I will consider credit score and payment history of the borrower

    • I will also look at the borrower's income and employment stability

    • For businesses, I will consider their financial statements and business plan

    • I will offer reasonable interest rates and repayment terms based on the borrower's creditworthiness

    • I will...

  • Answered by AI

Interview Preparation Tips

Interview preparation tips for other job seekers - I am properly experienced in this field .
Interview experience
4
Good
Difficulty level
Moderate
Process Duration
Less than 2 weeks
Result
Selected Selected

I applied via Referral and was interviewed before Aug 2023. There was 1 interview round.

Round 1 - Technical 

(4 Questions)

  • Q1. Credit related questions
  • Q2. Loan sanction process
  • Q3. Basic requirements
  • Q4. Client visit plan and discussion with regard to business and risk involved

Interview Preparation Tips

Interview preparation tips for other job seekers - Normal credit interview questions

I applied via Referral and was interviewed before Oct 2021. There were 2 interview rounds.

Round 1 - Resume Shortlist 
Pro Tip by AmbitionBox:
Keep your resume crisp and to the point. A recruiter looks at your resume for an average of 6 seconds, make sure to leave the best impression.
View all Resume tips
Round 2 - One-on-one 

(2 Questions)

  • Q1. Question on work done in last organisation
  • Q2. Question relating to Cibil report

Interview Preparation Tips

Topics to prepare for Aditya Birla Capital Credit Manager interview:
  • Cibil
  • Credit Appraisal
  • Credit Risk
  • Bank Reconciliation
Interview preparation tips for other job seekers - Be clear on your answers, be confident, be ready to learn,
Interview experience
4
Good
Difficulty level
Easy
Process Duration
2-4 weeks
Result
Selected Selected

I applied via Naukri.com and was interviewed in May 2024. There was 1 interview round.

Round 1 - One-on-one 

(1 Question)

  • Q1. Previous job roles
  • Ans. 

    I have held various roles in credit management, including Credit Analyst, Collections Specialist, and Credit Supervisor.

    • Credit Analyst role involved assessing creditworthiness of customers and making recommendations for credit limits.

    • Collections Specialist role focused on contacting customers with overdue accounts and negotiating payment plans.

    • Credit Supervisor role involved overseeing a team of credit analysts and col...

  • Answered by AI
Interview experience
4
Good
Difficulty level
Easy
Process Duration
Less than 2 weeks
Result
Selected Selected

I applied via Referral and was interviewed before Jun 2022. There were 3 interview rounds.

Round 1 - Resume Shortlist 
Pro Tip by AmbitionBox:
Keep your resume crisp and to the point. A recruiter looks at your resume for an average of 6 seconds, make sure to leave the best impression.
View all Resume tips
Round 2 - One-on-one 

(3 Questions)

  • Q1. What points do you look in PD with customer on business location
  • Ans. 

    Points to consider in PD with customer on business location

    • Assess the stability and reputation of the business location

    • Evaluate the accessibility and visibility of the location

    • Consider the potential impact of the location on customer traffic and sales

    • Review any past credit history associated with the location

  • Answered by AI
  • Q2. What are components for P&L and balance sheet?
  • Ans. 

    Components of P&L include revenue, expenses, and net income. Components of balance sheet include assets, liabilities, and equity.

    • P&L components: revenue, expenses, net income

    • Balance sheet components: assets, liabilities, equity

    • Examples: Revenue - sales income, Expenses - salaries, Net income - profit, Assets - cash, Liabilities - loans, Equity - retained earnings

  • Answered by AI
  • Q3. How to verify salaried customer employment
  • Ans. 

    Verify employment by requesting pay stubs, contacting HR, or using employment verification services.

    • Request pay stubs from the customer to verify employment and income

    • Contact the customer's HR department to confirm employment status

    • Use employment verification services like The Work Number or Equifax to validate employment information

  • Answered by AI
Round 3 - HR 

(2 Questions)

  • Q1. Preferred Location
  • Ans. 

    I am open to any location that offers growth opportunities and a good work-life balance.

    • Open to relocation for the right opportunity

    • Prefer locations with good work-life balance

    • Interested in areas with potential for career growth

  • Answered by AI
  • Q2. Why you want to work with Aditya Birla Company ? What do you know about company?
Interview experience
5
Excellent
Difficulty level
Moderate
Process Duration
2-4 weeks
Result
Selected Selected

I applied via Approached by Company and was interviewed before Nov 2023. There were 3 interview rounds.

Round 1 - Aptitude Test 

Logically,reasoning, maths

Round 2 - One-on-one 

(4 Questions)

  • Q1. How to underwriting the case
  • Ans. 

    Underwriting a case involves assessing the creditworthiness of a borrower to determine the risk involved in lending to them.

    • Gather all necessary financial information from the borrower, such as income, assets, debts, and credit history.

    • Analyze the information to determine the borrower's ability to repay the loan and their likelihood of default.

    • Consider external factors such as economic conditions and industry trends th...

  • Answered by AI
  • Q2. How to CIBIL check
  • Ans. 

    To check CIBIL score, request a report from CIBIL website or through a bank.

    • Request a CIBIL report from the official CIBIL website

    • Some banks offer free CIBIL score check for their customers

    • Review the report for any discrepancies or errors

  • Answered by AI
  • Q3. How to decision making fast
  • Ans. 

    To make fast decisions, prioritize tasks, gather relevant information, set deadlines, trust your instincts, and seek input from others.

    • Prioritize tasks based on urgency and importance

    • Gather all relevant information quickly

    • Set deadlines for decision-making to avoid procrastination

    • Trust your instincts and past experiences

    • Seek input from colleagues or experts for different perspectives

  • Answered by AI
  • Q4. How manage sales team
  • Ans. 

    Sales team can be managed by setting clear goals, providing training and support, monitoring performance, and fostering a positive team culture.

    • Set clear goals and expectations for the sales team to work towards.

    • Provide ongoing training and support to help team members improve their skills.

    • Monitor performance regularly and provide feedback to help team members reach their targets.

    • Foster a positive team culture by encou...

  • Answered by AI
Round 3 - HR 

(2 Questions)

  • Q1. Documentation of job
  • Q2. Negotiations of salary

Interview Preparation Tips

Interview preparation tips for other job seekers - Everything ok
Interview experience
4
Good
Difficulty level
-
Process Duration
-
Result
-
Round 1 - Resume Shortlist 
Pro Tip by AmbitionBox:
Keep your resume crisp and to the point. A recruiter looks at your resume for an average of 6 seconds, make sure to leave the best impression.
View all Resume tips
Round 2 - HR 

(5 Questions)

  • Q1. What is current CTC and work experience
  • Q2. How to manage all credit and operations? I have replied i have to verify all the documents properly and analyse the customer profile and done the Tele PD activity and verify the KYC
  • Q3. Which position you have to go in future
  • Q4. Which location you have to prefer
  • Q5. Have you go to any where in the state.

Interview Preparation Tips

Interview preparation tips for other job seekers - Get to good knowledge about all verticals
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Kogta Financial India Limited Interview FAQs

How many rounds are there in Kogta Financial India Limited Credit Officer interview?
Kogta Financial India Limited interview process usually has 3 rounds. The most common rounds in the Kogta Financial India Limited interview process are Resume Shortlist, One-on-one Round and Aptitude Test.
How to prepare for Kogta Financial India Limited Credit Officer 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 Kogta Financial India Limited. The most common topics and skills that interviewers at Kogta Financial India Limited expect are Credit Appraisal, Lap, Business Loan, Credit Assessment and Credit Management.
What are the top questions asked in Kogta Financial India Limited Credit Officer interview?

Some of the top questions asked at the Kogta Financial India Limited Credit Officer interview -

  1. Area knowledge discuss...read more
  2. One on one round to be cle...read more
  3. Educational qualification discuss...read more

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Kogta Financial India Limited Credit Officer Interview Process

based on 1 interview

Interview experience

5
  
Excellent
View more
Kogta Financial India Limited Credit Officer Salary
based on 4 salaries
₹2.5 L/yr - ₹3.5 L/yr
20% less than the average Credit Officer Salary in India
View more details

Kogta Financial India Limited Credit Officer Reviews and Ratings

based on 38 reviews

4.8/5

Rating in categories

4.7

Skill development

4.7

Work-life balance

4.4

Salary

4.7

Job security

4.8

Company culture

4.5

Promotions

4.6

Work satisfaction

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