10+ Knowledgucate Education Professional Academy Interview Questions and Answers

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 service coverage ratio

• Considering external factors such as econo...read more

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 offer a wider range of services, such as credit cards, debit ...read more

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.

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 granting credit only to customers with a good credit score and a...read more

Documents required for personal loan

• Identity proof (Aadhaar card, passport, driving license)

• Address proof (utility bills, rental agreement, voter ID)

• Income proof (salary slips, bank statements, ITR)

• Employment proof (offer letter, appointment letter, experience letter)

• Loan application form

• Passport size photographs

Personal loans are unsecured loans that can be used for various purposes.

• Personal loans are not backed by collateral

• Interest rates on personal loans are usually higher than secured loans

• Personal loans can be used for debt consolidation, home improvement, medical expenses, etc.

• The loan amount and interest rate depend on the borrower's credit score and income

• Repayment terms for personal loans are usually fixed and range from 1 to 5 years

I delivered target by setting clear goals, motivating my team, monitoring progress, and making adjustments as needed.

• Set clear and achievable goals for myself and my team

• Motivated team members through recognition, rewards, and regular feedback

• Monitored progress regularly to ensure we were on track to meet targets

• Made adjustments to strategies or resources as needed to overcome obstacles

• Implemented performance improvement plans for underperforming team members

HR, or Human Resources, is the department that manages employee relations, recruitment, and organizational culture.

• Recruitment: HR identifies and hires the right talent for the organization, like conducting interviews and onboarding new employees.

• Employee Relations: HR addresses employee concerns and fosters a positive work environment, such as resolving conflicts or mediating disputes.

• Training and Development: HR organizes training programs to enhance employee skills, like w...read more

The personal loan rate of interest is the percentage charged by the lender for borrowing money.

• The rate of interest can vary based on factors such as the borrower's credit score, loan amount, and repayment term.

• It is important for the sales executive to explain the interest rate clearly to the customer and how it will impact their monthly payments.

• For example, a personal loan with a 10% interest rate will result in higher monthly payments compared to a loan with a 5% interest...read more