Kogta Financial India Limited Regional Credit Manager Interview Questions and Answers

Q1. How will you assess the customer with low cibil score
Ans. 
Assessing customers with low cibil score involves analyzing their credit history, financial stability, and potential risk factors.
• Review the customer's credit report to understand the reasons for the low CIBIL score

• Assess the customer's current financial situation, including income, expenses, and existing debts

• Consider any extenuating circumstances that may have led to the low CIBIL score, such as medical emergencies o...read more
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Q2. Volume of files handled and approval to login ratio
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The volume of files handled and approval to login ratio is a key metric to assess efficiency and productivity.
• The volume of files handled refers to the number of credit applications or cases processed by the credit manager within a specific time frame.

• Approval to login ratio indicates the percentage of credit applications approved compared to the total number of applications logged in by the credit manager.

• A high volum...read more
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Q1. Qualification or education
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Q2. General round and etc
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Q1. Discussion credit understanding only
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Q2. Self introduction
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Q3. General discussion
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Q1. Credit appraisal,credit worhiness
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Q2. Maintain branch dignity
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Q3. Approval and rejection
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Q1. Credit appraisal credit worhiness
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All related to decision making,General questions all about decision making, simple arithmetic and reasoning question but you have answer maximum number of questions in very low time that's the main task

Q1. About credit based on your past assignments and related to PD, technical,legal,, CIBIL, other related to credit underwriting and etc.,
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Q2. Credit related questions
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Q1. Simple template only product questions
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Q2. Simply finished, there is no hardly
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Q3. There is no hard, easily good
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Q4. Way of tata making the most beautiful
Ans. 
The question is unclear and not related to credit management.
• The question is not related to credit management and seems to be incomplete or irrelevant.

• Without further context or clarification, it is impossible to provide a meaningful answer.

• It is important to ask relevant and clear questions in an interview to assess a candidate's qualifications and skills.
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Q1. Business volume, Portfolio health, Credit Manager role
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Q2. Number of Credit Manager against the sale team and number of files login
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The number of Credit Managers should be proportional to the size of the sales team and the number of files being logged.
• The ratio of Credit Managers to sales team members should be determined based on the workload and complexity of the credit process.

• The number of files being logged should also be taken into consideration when determining the appropriate number of Credit Managers.

• For example, if there are 10 sales team...read more
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Q1. Bank vs NBFC differences
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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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