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MAS Financial Services Credit Officer Interview Questions, Process, and Tips

Updated 10 Dec 2022

Top MAS Financial Services Credit Officer Interview Questions and Answers

MAS Financial Services Credit Officer Interview Experiences

8 interviews found

I applied via Approached by Company and was interviewed in Sep 2022. There were 3 interview rounds.

Round 1 - Resume Shortlist 
Pro Tip by AmbitionBox:
Double-check your resume for any spelling mistakes. The recruiter may consider spelling mistakes as careless behavior or poor communication skills.
View all tips
Round 2 - One-on-one 

(2 Questions)

  • Q1. Bank vs NBFC differences
  • Ans. 

    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...

  • Answered by AI
  • Q2. How to assess cashflow n liquidity
  • Ans. 

    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...

  • Answered by AI
Round 3 - One-on-one 

(1 Question)

  • Q1. Basic knowledge of background check of company n various loan products offered by nbfcs

Interview Preparation Tips

Interview preparation tips for other job seekers - Good career starting job for freshers.
Be in formal attire and read about recent nbfc frauds n fintech related rbi guidelines.

Interview Questionnaire 

3 Questions

  • Q1. They just want low cost employee that's it.
  • Q2. No questions asked. They will simply ask kab join karoge??
  • Q3. Chutti wutti nahi milegi. Kaam karna padega 9 baje tak .

Interview Preparation Tips

Interview preparation tips for other job seekers - Clearly reflects lack of professionalism and corporate culture.
Purely DESI

Credit Officer Interview Questions Asked at Other Companies

Q1. How can you are calculate income if customer not filing the incom ... read more
asked in CSB Bank
Q2. How we can identify a bad loan proposal and a good loan proposal
Q3. What is CIBIL and Full Form of CIBIL?
Q4. Which one is eligible for housing and mortgage loan and other loa ... read more
asked in CSB Bank
Q5. What are the areas to be improved in the present banking system ( ... read more

I applied via Walk-in and was interviewed in Mar 2022. 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 - Group Discussion 

Credit Apprisal, Process of Loan disbursement, KYC DOCUMENTS VERIFICATION

Round 3 - HR 

(2 Questions)

  • Q1. Previous work experience
  • Q2. Nananaanaananamamamamam

Interview Preparation Tips

Interview preparation tips for other job seekers - Confidant and basic knowledge of finance
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 - One-on-one 

(1 Question)

  • Q1. Praise the company …thats it

Interview Preparation Tips

Interview preparation tips for other job seekers - Speak in local language and have basic profit loss and balancesheet knowledge

MAS Financial Services interview questions for designations

 Disbursement Officer

 (1)

 Audit Officer

 (1)

 Senior Audit Officer

 (1)

 Branch Manager

 (3)

 Legal Officer

 (3)

 Relationship Officer

 (3)

 Senior Sales Officer

 (1)

I applied via Approached by Company and was interviewed before Jul 2021. There were 2 interview rounds.

Round 1 - Resume Shortlist 
Pro Tip by AmbitionBox:
Don’t add your photo or details such as gender, age, and address in your resume. These details do not add any value.
View all tips
Round 2 - Technical 

(3 Questions)

  • Q1. Ms excell with branch handling
  • Q2. About goals and business support view as per policy
  • Q3. Credit policy overview
  • Ans. 

    Credit policy overview refers to the guidelines and procedures set by a company to manage credit risk.

    • Credit policy overview outlines the criteria for granting credit to customers.

    • It includes the credit evaluation process, credit limits, and payment terms.

    • The policy also defines the consequences of defaulting on payments and the steps to be taken in case of delinquency.

    • For example, a company may have a policy of granti...

  • Answered by AI

Interview Preparation Tips

Interview preparation tips for other job seekers - All about key skills and process knowledge with confidence on work handling

I applied via Referral and was interviewed before Dec 2021. There were 3 interview rounds.

Round 1 - Resume Shortlist 
Pro Tip by AmbitionBox:
Do not use an unprofessional email address such as cool_boy@email.com. It shows a lack of professionalism by the candidate.
View all tips
Round 2 - Case Study 

SUPPOSE YOU HAVE TO FINANCE TRUCK TO A DRIVER PROFILE WHAT SHOULD BE CRITERIA FOR ELIGIBILITY - I ANSWERED AS HAVE MINIMUM EXPERIENCE OF 3 YEARS, SHOULD HAVE OWN HOUSE, SHOULD HAVE SOUND KNOWLEDGE OF MARKET WHERE HIS FLEET RUN, GOOD CIBIL SCORE, GOOD IF PROVIDES GUARANTOR

Round 3 - HR 

(2 Questions)

  • Q1. WHY WE SHOULD WE HIRE YOU?
  • Q2. WHY WOULD YOU LIKE TO JOIN MAS?

Interview Preparation Tips

Interview preparation tips for other job seekers - COME JOIN US, HAVE BRIGHT FUTURE HERE. ITS 27 YEARS OLD ORGANISATION HAVE GOOD WORKING CAPITAL

Interview Questionnaire 

3 Questions

  • Q1. Current job
  • Q2. Current ctc
  • Ans. 

    My current CTC is $60,000 per annum.

    • My current CTC is $60,000 per annum.

    • I am currently earning $5,000 per month.

    • My current salary package is $60,000 per year.

  • Answered by AI
  • Q3. Experience

Interview Questionnaire 

1 Question

  • Q1. About current role

Interview questions from similar companies

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

Round 1 - Group Discussion 

First discussed Credit Manager and Second discussed with cluster credit manager

Round 2 - Case Study 

Cibil report review and came report and customer person discussion and gst and nip sheet banking

Interview Preparation Tips

Interview preparation tips for other job seekers - Your interview the most part of your experience

I applied via Referral and was interviewed before Mar 2020. There was 1 interview round.

Interview Questionnaire 

4 Questions

  • Q1. About financial statements analysis.
  • Q2. Importance of critical thinking process in unsecured lending.
  • Ans. 

    Critical thinking is crucial in unsecured lending as it helps in assessing the borrower's creditworthiness and mitigating risks.

    • Critical thinking helps in analyzing the borrower's financial history and identifying any red flags.

    • It enables the credit officer to make informed decisions based on the borrower's creditworthiness and ability to repay the loan.

    • It helps in identifying potential risks and developing strategies ...

  • Answered by AI
  • Q3. What are the mandatory documents for Unsecured and secured lending?
  • Ans. 

    Mandatory documents for unsecured and secured lending.

    • For unsecured lending, mandatory documents include identity proof, address proof, income proof, bank statements, and credit score.

    • For secured lending, mandatory documents include property documents, identity proof, address proof, income proof, bank statements, and credit score.

    • Additional documents may be required based on the type of loan and lender's policies.

    • Docum...

  • Answered by AI
  • Q4. What are the types of property documents in Deeds?
  • Ans. 

    There are various types of property documents in Deeds, including title deeds, sale deeds, gift deeds, mortgage deeds, lease deeds, and power of attorney deeds.

    • Title deeds establish ownership of the property.

    • Sale deeds transfer ownership from the seller to the buyer.

    • Gift deeds transfer ownership as a gift.

    • Mortgage deeds are used to secure a loan against the property.

    • Lease deeds establish a lease agreement between the o...

  • Answered by AI

MAS Financial Services Interview FAQs

How many rounds are there in MAS Financial Services Credit Officer interview?
MAS Financial Services interview process usually has 2-3 rounds. The most common rounds in the MAS Financial Services interview process are Resume Shortlist, One-on-one Round and HR.
How to prepare for MAS Financial Services 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 MAS Financial Services . The most common topics and skills that interviewers at MAS Financial Services expect are Credit Analysis, Credit Management, Credit, Credit Underwriting and CAM.
What are the top questions asked in MAS Financial Services Credit Officer interview?

Some of the top questions asked at the MAS Financial Services Credit Officer interview -

  1. How to assess cashflow n liquid...read more
  2. Bank vs NBFC differen...read more
  3. Current ...read more

Tell us how to improve this page.

MAS Financial Services Credit Officer Interview Process

based on 2 interviews

1 Interview rounds

  • Resume Shortlist Round
View more
MAS Financial Services Credit Officer Salary
based on 112 salaries
₹1.5 L/yr - ₹5 L/yr
10% less than the average Credit Officer Salary in India
View more details

MAS Financial Services Credit Officer Reviews and Ratings

based on 52 reviews

3.8/5

Rating in categories

3.4

Skill development

3.8

Work-life balance

3.5

Salary

3.8

Job security

3.9

Company culture

3.2

Promotions

3.5

Work satisfaction

Explore 52 Reviews and Ratings
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Area Sales Manager
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₹2.6 L/yr - ₹10 L/yr

Relationship Officer
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₹1 L/yr - ₹3.5 L/yr

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