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Midland Microfin Limited Credit Officer Interview Questions and Answers

Updated 27 Apr 2024

Midland Microfin Limited Credit Officer Interview Experiences

1 interview found

Interview experience
2
Poor
Difficulty level
-
Process Duration
-
Result
-
Round 1 - HR 

(1 Question)

  • Q1. About yourself and what is your goal?

Interview questions from similar companies

I applied via Other and was interviewed before Jan 2017. There were 4 interview rounds.

Interview Questionnaire 

4 Questions

  • Q1. HR executive Asking me my How was your experience in old company. and how handle client,how is process file punching. your comfort this job profile. you now current job profile.I have give satisfy answer...
  • Q2. I am asking about what is the job profile of the company , how study new file.
  • Q3. I am asking to HR Executive which salary make and how is increase salary appraisal wise or senior employees wise .
  • Q4. What is the timing daily work.

Interview Preparation Tips

Round: Resume Shortlist
Experience: Branch Manager Give One new file than asking me how handle this client and how punched this case.

General Tips: I think every job seekers perfect his profile. minimum 80% knowledge his job profile.He already study against new company. collect his history and information.Any question asking hime but he give answer them confidently. he confidence looking first impression. he look show is perfect executive they good impression. Job seeker complitly real situation tell him. example asking question when que. related discussion must do not west time HR executive.

Skills: dont take work pressure, Communication, Body Language, Problem Solving, Analytical Skills, Leadership, Presentation Skills, Time Management, Decision Making Skills
Duration: <1 week

I applied via Recruitment Consultant and was interviewed before Jun 2020. There were 3 interview rounds.

Interview Questionnaire 

1 Question

  • Q1. Education and experience and pursonal detel

Interview Preparation Tips

Interview preparation tips for other job seekers - very simple interview and nice job

I applied via Referral and was interviewed in Jul 2019. There were 5 interview rounds.

Interview Questionnaire 

1 Question

  • Q1. How I will do the pd and I could check the cibil and track. What question to ask from customer. What documents are required for processing the case for decision.

Interview Preparation Tips

Interview preparation tips for other job seekers - My interview is very good with Acm Sir. I satisfy to my boss with answers.

I applied via Naukri.com and was interviewed before Nov 2019. There was 1 interview round.

Interview Questionnaire 

5 Questions

  • Q1. What is CIBIL and Full Form of CIBIL?
  • Q2. FOIR and IIR Description?
  • Ans. 

    FOIR and IIR are ratios used by lenders to assess the creditworthiness of borrowers.

    • FOIR stands for Fixed Obligation to Income Ratio and is calculated by dividing the borrower's fixed obligations (such as loan EMIs, rent, etc.) by their monthly income.

    • IIR stands for Installment to Income Ratio and is calculated by dividing the borrower's total loan installments by their monthly income.

    • Both ratios help lenders determine...

  • Answered by AI
  • Q3. How to conduct PD With Customer?
  • Ans. 

    PD with customer involves assessing the probability of default for a borrower.

    • Gather information about the customer's financial history and current situation

    • Analyze the data to determine the likelihood of default

    • Consider external factors such as economic conditions and industry trends

    • Use a credit scoring model or other tools to assist in the assessment

    • Communicate the findings to the customer and make recommendations fo...

  • Answered by AI
  • Q4. What is Credit 5cs?
  • Ans. 

    Credit 5Cs is a framework used by lenders to evaluate the creditworthiness of a borrower.

    • The 5Cs are Character, Capacity, Capital, Collateral, and Conditions.

    • Character refers to the borrower's reputation and credit history.

    • Capacity refers to the borrower's ability to repay the loan.

    • Capital refers to the borrower's assets and net worth.

    • Collateral refers to the assets that can be used as security for the loan.

    • Conditions ...

  • Answered by AI
  • Q5. Credit Related Many Questions I.e.like ITR,ABB and Legal Report

Interview Preparation Tips

Interview preparation tips for other job seekers - This interview was a technical one but was majorly a stress test. It lasted for about 45 Minutes. The interviewer wanted to test both my knowledge and communication skills. Most of the questions asked to me were related to Last Experience Company Credit Policy and Work curriculum i.e. Customer Profile, Credit Process, Credit Sanction related topics. He stressed a lot on the basics related to my Credit Work topic.Luckily I was able to answer most of the questions correctly. I tried to answer each question with examples and also used props on the table (like pens, paperweights, pen stands etc.) to explain my theories and Practice Experience.You need to stay calm and should apply presence of mind. Please go through the job description thoroughly word-by-word and recheck your resume to ensure that you are a best-fit for the position.

I applied via Walk-in and was interviewed in Aug 2020. There were 3 interview rounds.

Interview Questionnaire 

1 Question

  • Q1. Tell me about yourself? How you know about this job? Tell me about this bank?

Interview Preparation Tips

Interview preparation tips for other job seekers - Always be in time for interview,
Always kept some information about job and organisation,
Always wear formal dress.

Interview Questionnaire 

2 Questions

  • Q1. Written test
  • Q2. Math, resoning, general awernes, english
Interview experience
3
Average
Difficulty level
Moderate
Process Duration
More than 8 weeks
Result
No response

I applied via Walk-in and was interviewed before Oct 2023. There was 1 interview round.

Round 1 - Technical 

(5 Questions)

  • Q1. Good awesome Awareness
  • Q2. Lastly Punch in Option Process
  • Q3. Lastly personmet
  • Q4. Feeld working process Complete awareness
  • Q5. Collection working process Complete awareness

Interview Preparation Tips

Interview preparation tips for other job seekers - Awareness lowly attempt
Interview experience
5
Excellent
Difficulty level
Moderate
Process Duration
2-4 weeks
Result
Selected Selected

I applied via Walk-in and was interviewed in Nov 2022. There were 3 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 - Aptitude Test 

GK, GS,Math, reasoning, economy

Round 3 - HR 

(2 Questions)

  • Q1. What do you work this time.
  • Q2. Please explain the bank and bank functions
  • Ans. 

    A bank is a financial institution that accepts deposits from the public and creates credit. Its functions include providing loans, accepting deposits, and facilitating transactions.

    • Banks accept deposits from customers and pay interest on them

    • They provide loans to individuals and businesses

    • Banks facilitate transactions such as wire transfers, bill payments, and ATM withdrawals

    • They offer various financial services such a...

  • Answered by AI

Interview Preparation Tips

Topics to prepare for Utkarsh Small Finance Bank Credit Officer interview:
  • Tell about
  • Yourself
Interview preparation tips for other job seekers - All is good don't panic free minded exam qualification
Interview experience
5
Excellent
Difficulty level
Easy
Process Duration
Less than 2 weeks
Result
Selected Selected

I applied via Campus Placement and was interviewed in Apr 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 - Technical 

(1 Question)

  • Q1. Mobaile software
Round 3 - Group Discussion 

GLG Format of interview

Interview Preparation Tips

Interview preparation tips for other job seekers - My tips is better Hoby

Midland Microfin Limited Interview FAQs

How many rounds are there in Midland Microfin Limited Credit Officer interview?
Midland Microfin Limited interview process usually has 1 rounds. The most common rounds in the Midland Microfin Limited interview process are HR.

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Midland Microfin Limited Credit Officer Interview Process

based on 1 interview

Interview experience

2
  
Poor
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Midland Microfin Limited Credit Officer Salary
based on 8 salaries
₹1.4 L/yr - ₹3.2 L/yr
49% less than the average Credit Officer Salary in India
View more details

Midland Microfin Limited Credit Officer Reviews and Ratings

based on 3 reviews

5.0/5

Rating in categories

5.0

Skill development

4.2

Work-life balance

4.2

Salary

4.7

Job security

4.7

Company culture

4.7

Promotions

4.2

Work satisfaction

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