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Laxmi India Finleasecap

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4.1

based on 122 Reviews

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Laxmi India Finleasecap Credit Manager Interview Questions and Answers

Updated 7 Oct 2023

Laxmi India Finleasecap Credit Manager Interview Experiences

1 interview found

Credit Manager Interview Questions & Answers

Anonymous

posted on 7 Oct 2023

Interview experience

Average

Difficulty level

Easy

Process Duration

4-6 weeks

Result

Selected

I applied via Referral and was interviewed in Sep 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 tips

Round 2 - Assignment

Conversation with RCM on Profile and product discussion

Round 3 - HR

(2 Questions)

Q1. Salary negotiable

Add your answer

Q2. Ok for Negotiable

Ans.

Negotiable means open to discussion or modification, typically regarding terms or conditions.

Negotiable terms can include payment schedules, interest rates, and credit limits.
It is important for a Credit Manager to be skilled in negotiating with clients to find mutually beneficial solutions.
Examples of negotiable situations include restructuring payment plans for struggling customers or adjusting credit terms for high-

Answered by AI

Add your answer

Interview Preparation Tips

Interview preparation tips for other job seekers - Good

Top trending discussions

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Interview Tips & Stories

3d (edited)

timepasstiwari

A Digital Markter

Got Rejected In an Interview, Just Because I Didn’t Answer a Personal Question

So, I got invited for this interview, and they told me to be there at 9 AM. Of course, I get there early, like 8:30, because I don't want to be late. But then I end up waiting for 1.5 hours. Seriously, they didn't even acknowledge me until 10. Then this HR lady calls me in, and she's totally unprofessional. She's like, on her phone, making personal calls while I'm sitting right there. And then she starts asking me these really weird questions, like what my nickname is, and what my dad does for a living. It got really uncomfortable when she started pressing for details about where my dad works. I mean, what does that have to do with anything? So I politely told her I didn't want to answer, and she actually said, "Then we can't continue this interview." I was honestly shocked. But instead of arguing, I just stood up and said, “Alright then.” And walked out. I left feeling pissed. Not only did they waste an hour of my time, but the HR rep was also rude and unprofessional..

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Interview questions from similar companies

Credit Manager Interview Questions & Answers

HDFC Bank

Anonymous

posted on 14 Sep 2021

I applied via Referral and was interviewed before Sep 2020. There were 3 interview rounds.

Interview Questionnaire

2 Questions

Q1. Financial analysis related questions

Add your answer

Q2. Just answer what you have learnt during the course of your studies

Add your answer

Interview Preparation Tips

Interview preparation tips for other job seekers - Be honest in your answers. If you dont know dont fluke

Credit Manager Interview Questions & Answers

HDFC Bank

lostpanda

posted on 28 Nov 2021

I applied via Referral and was interviewed before Nov 2020. There were 3 interview rounds.

Interview Questionnaire

1 Question

Q1. Regarding previous experience with organisation. Things related to same.

Add your answer

Interview Preparation Tips

Interview preparation tips for other job seekers - Before hand get some idea about the job role ask you refrences. Do your homework and dont be shy for asking questions beforehand to maximise the knowlegdge.

Credit Manager Interview Questions & Answers

ICICI Bank

posted on 15 May 2022

I applied via Campus Placement and was interviewed before May 2021. There was 1 interview round.

Round 1 - Technical

(1 Question)

Q1. 1. tell me about yourself 2. what will your check while giving loans to clients? 3. what is debt service coverage ratios? 4. what is cibil? 5. what is your family background

Add your answer

Interview Preparation Tips

Interview preparation tips for other job seekers - it was easy to average. be prepared with come ratios .

Credit Manager Interview Questions & Answers

ICICI Bank

Anonymous

posted on 25 May 2022

I applied via Campus Placement and was interviewed before May 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 tips

Round 2 - Group Discussion

Pro Tip by AmbitionBox:

Don’t treat group discussions as an argument. Group discussion is about reaching a meaningful conclusion.

View all tips

Interview Preparation Tips

Interview preparation tips for other job seekers - Update your self to the Organisation requirements

Credit Manager Interview Questions & Answers

ICICI Bank

Anonymous

posted on 13 Oct 2022

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 tips

Round 2 - HR

Interview Preparation Tips

Interview preparation tips for other job seekers - be thorough with ratios and processes. Have knowledge on financial analysis

Credit Manager Interview Questions & Answers

ICICI Bank

Anonymous

posted on 10 Aug 2022

I applied via Recruitment Consulltant and was interviewed before Aug 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 tips

Round 2 - Technical

(1 Question)

Q1. Ratios and financial statement analysis etc

Add your answer

Interview Preparation Tips

Interview preparation tips for other job seekers - Ratios and analyzing of Financial statements are important

Credit Manager Interview Questions & Answers

ICICI Bank

Anonymous

posted on 24 Apr 2017

I was interviewed before Apr 2016.

Interview Questionnaire

5 Questions

Q1. Which clauses are important in 3CD while sanctioning loan

Ans.

Important clauses in 3CD for loan sanctioning

Clause 4 - Purpose of loan
Clause 5 - Amount of loan
Clause 6 - Repayment terms
Clause 7 - Security for loan
Clause 8 - Interest rate
Clause 9 - Default and consequences

Answered by AI

View 12 more answers

Q2. Tell me profit and loss ratios

Ans.

Profit and loss ratios are financial metrics used to assess the profitability of a company.

Profit ratio measures the percentage of profit earned on sales.
Gross profit ratio is calculated by dividing gross profit by net sales.
Net profit ratio indicates the percentage of net profit earned on sales.
Operating profit ratio measures the profitability of core operations.
Return on investment (ROI) is a common profitability rat

Answered by AI

View 6 more answers

Q3. Balance sheet ratios

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Q4. Diffrence between concurrent audit and statutory audit

Ans.

Concurrent audit is conducted during the course of business operations, while statutory audit is conducted at the end of the financial year.

Concurrent audit is performed concurrently with the operations of the organization.
Statutory audit is conducted to ensure compliance with legal and regulatory requirements.
Concurrent audit helps in detecting and preventing frauds and errors in real-time.
Statutory audit provides an ...

Answered by AI

View 3 more answers

Q5. If someone is earning less than EMI should he take a loan or not

Ans.

No, someone earning less than EMI should not take a loan.

Taking a loan when earning less than the EMI can lead to financial strain and difficulty in repayment.
It is important to have a stable income that can comfortably cover the loan repayment.
If someone is already struggling to meet their financial obligations, taking on additional debt can worsen their situation.
It is advisable to explore alternative options such as...

Answered by AI

View 3 more answers

Interview Preparation Tips

College Name: ICAI

Credit Manager Interview Questions & Answers

Kotak Mahindra Bank

Souradipta Ray

posted on 16 Sep 2020

Interview Questionnaire

3 Questions

Q1. Previous Job experience

Ans.

I have 5 years of experience as a Credit Manager at XYZ Company.

Managed credit risk assessment for new and existing clients
Analyzed financial statements and credit reports to determine creditworthiness
Negotiated payment terms and conditions with clients
Implemented credit policies and procedures to minimize risk
Collaborated with sales and finance teams to optimize credit decisions

Answered by AI

View 1 more answer

Q2. Work related questions, e.g how to verify debtors from banking

Add your answer

Q3. Future goals

Add your answer

Credit Manager Interview Questions & Answers

Kotak Mahindra Bank

Anonymous

posted on 30 Jan 2021

Interview Questionnaire

1 Question

Q1. Product knowledge, FINANCIAL formulas, Market experience

Add your answer

Laxmi India Finleasecap Interview FAQs

How many rounds are there in Laxmi India Finleasecap Credit Manager interview?

Laxmi India Finleasecap interview process usually has 3 rounds. The most common rounds in the Laxmi India Finleasecap interview process are Resume Shortlist, Assignment and HR.

How to prepare for Laxmi India Finleasecap 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 Laxmi India Finleasecap. The most common topics and skills that interviewers at Laxmi India Finleasecap expect are Credit Analysis, Credit Management, Credit Underwriting, Credit Risk Analysis and Lap.

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Laxmi India Finleasecap Credit Manager Salary

based on 14 salaries

₹3 L/yr - ₹5.7 L/yr

45% less than the average Credit Manager Salary in India

View more details

Laxmi India Finleasecap Salaries in India

Disbursement Officer 30 salaries	₹0 L/yr - ₹0 L/yr
Branch Manager 29 salaries	₹0 L/yr - ₹0 L/yr
Credit Manager 14 salaries	₹0 L/yr - ₹0 L/yr
Senior Executive 11 salaries	₹0 L/yr - ₹0 L/yr
Assistant Manager 9 salaries	₹0 L/yr - ₹0 L/yr