Manappuram Finance Branch Head and Manager Interview Questions and Answers for Experienced

Qualification, and knowledge of the dept.

Q1. How is communication with team and others
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Q1. Technical means related his work or field knowledge should be must & some system related knowledge also.
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I think coding not important if candidate is a knowledgeable person.

As per case detail for the study

Q1. As per qualification and oral capability
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As per case assignment detail

Q1. Income assessment done by me ?
Ans. 
Income assessment is a crucial part of my role as a Branch Credit Manager.
• I assess income through pay stubs, tax returns, bank statements, and employment verification.

• I analyze the consistency and stability of income to determine creditworthiness.

• I consider sources of income, such as salary, bonuses, commissions, and rental income.

• I calculate debt-to-income ratios to assess the borrower's ability to repay loans.

• I may a...read more
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Q2. How to do income assessment of Vada Pav Vendor ?
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Assessing income of a Vada Pav vendor involves evaluating daily sales, expenses, location, customer base, and competition.
• Calculate average daily sales by observing customer traffic and pricing.

• Consider expenses such as ingredients, rent, utilities, and labor costs.

• Evaluate the location's foot traffic and potential for growth.

• Assess the vendor's customer base and loyalty.

• Analyze competition in the area and pricing stra...read more
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Knowledge of information regarding banking and finance

Q1. You Know about Gold loan
Ans. 
Gold loan is a type of secured loan where gold jewelry is used as collateral.
• Gold loan is a type of secured loan where borrowers pledge their gold jewelry as collateral.

• The loan amount is usually a percentage of the value of the gold pledged.

• Interest rates for gold loans are typically lower compared to unsecured loans.

• If the borrower fails to repay the loan, the lender has the right to sell the gold to recover the loan...read more
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Q1. Gold Loan Experience marketing and Sales its majar point
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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. Product & Team Banking Qutions
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Q1. CTC Process Qutions only
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Q1. Work capacity and Team handling
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Q2. Need for team promotion
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Q1. Salary and location
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Product and experience

Q1. What is your working style and doing work on this team
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