Moneyboxx Finance Disbursement Officer Interview Questions and Answers

Q1. Technical related questions
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Q2. Product related questions
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Q1. What is meaning of CBIL
Ans. 
CBIL stands for Credit Bureau India Limited, which is a credit information company in India.
• CBIL is a credit information company that collects and maintains credit information of individuals and businesses.

• It provides credit reports and scores to lenders to help them make informed lending decisions.

• CBIL helps in reducing the risk of default by providing accurate credit information.

• It plays a crucial role in the credit ...read more
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Q2. What are the metrics used to evaluate risk
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Metrics used to evaluate risk include credit score, debt-to-income ratio, payment history, and credit utilization.
• Credit score: A numerical representation of a borrower's creditworthiness based on their credit history.

• Debt-to-income ratio: The percentage of a borrower's monthly income that goes towards paying debts.

• Payment history: A record of a borrower's past payments on credit accounts.

• Credit utilization: The amount
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Q1. Why your leaving privious company
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Seeking new challenges and growth opportunities in a different work environment.
• Desire for career advancement

• Looking for new challenges

• Seeking better work-life balance

• Company restructuring or downsizing

• Relocation to a different city
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Q2. What was salary expectation
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My salary expectation is in line with industry standards and based on my experience and qualifications.
• Research industry standards for Credit Manager salaries

• Consider my experience and qualifications when determining salary expectation

• Be open to negotiation based on the overall compensation package offered
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Normaly check the employes exprince

Check the abelity of employe

Q1. Regional manager theliphonic enterview asking how to working after selection
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Q2. Tell me about your self
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Q3. How does it working in gold loan
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Working in gold loan involves assessing the value of gold items provided as collateral and determining the loan amount based on the value.
• Assess the purity and weight of the gold items provided by the customer

• Use current market rates to determine the value of the gold

• Calculate the loan amount based on the value of the gold and the loan-to-value ratio set by the company

• Ensure proper documentation and security measures a...read more
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Q4. How to enter in Gold loan profesion
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To enter the gold loan profession, one must have knowledge of gold appraisal, customer service skills, and understanding of loan processes.
• Gain knowledge of gold appraisal techniques and market trends

• Develop strong customer service skills to interact with clients

• Understand the loan processes and regulations related to gold loans

• Consider obtaining relevant certifications or training in the field

• Build a network within th...read more
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Q1. Tell me about your,s self
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Q2. Salery discussion
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Q3. Asking the hike of salery
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Q4. What is the resion of job change
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Seeking new opportunities for growth and development in a challenging environment.
• Looking for career advancement

• Seeking new challenges

• Interested in learning new skills

• Exploring better opportunities
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Q5. Salery negotiation
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Q1. Previous work details
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Q2. Why want to change
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Seeking new challenges and growth opportunities in a larger organization.
• Desire for career advancement

• Interest in taking on more responsibilities

• Looking for a change in work environment

• Seeking better compensation or benefits

• Wanting to work for a more reputable company
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Q3. How to evaluate a customer for credit worthiness
Ans. 
Evaluate customer credit worthiness by analyzing financial history, credit score, income, and payment behavior.
• Check credit score and credit history

• Analyze income and employment stability

• Review payment behavior on previous debts

• Consider debt-to-income ratio

• Look for any outstanding loans or bankruptcies

• Evaluate the length of credit history
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Q4. Situation based question
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Q5. Why want to join hdb
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I want to join HDB because of its strong reputation in the industry and the opportunities for growth and development.
• HDB has a strong reputation in the industry for providing excellent financial services

• I am impressed by HDB's commitment to employee growth and development

• I believe that my skills and experience align well with the values and goals of HDB
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Q1. About Ratio Analysis specifically DSCR , Leverage , Quasi equity
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Q2. About product knowledge and industry knowledge
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Q1. Introductions and experience
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Q1. Types of liability
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Types of liability include current liabilities, long-term liabilities, contingent liabilities, and deferred liabilities.
• Current liabilities are debts due within one year, such as accounts payable and short-term loans.

• Long-term liabilities are debts due in more than one year, such as bonds payable and long-term loans.

• Contingent liabilities are potential liabilities that depend on a future event, such as warranties and l...read more
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Q2. Types of assets
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Assets can be classified into tangible and intangible assets.
• Tangible assets include physical items like property, equipment, and inventory.

• Intangible assets include intellectual property, patents, trademarks, and goodwill.
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Q3. Advance Excel knowledge
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Q4. Excel Vlookup & pivot table
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Q5. Different between gross profit and net profit
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Gross profit is total revenue minus cost of goods sold, while net profit is gross profit minus operating expenses and taxes.
• Gross profit = Total revenue - Cost of goods sold

• Net profit = Gross profit - Operating expenses - Taxes

• Gross profit is the amount of money a company makes from selling goods or services before deducting expenses

• Net profit is the amount of money a company has left after deducting all expenses from
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Q6. Advance excel formula
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Advance excel formula refers to complex functions and calculations used in Excel to manipulate data.
• Advanced excel formulas include VLOOKUP, INDEX-MATCH, SUMIFS, COUNTIFS, etc.

• These formulas are used to perform complex calculations, lookups, and data analysis.

• For example, VLOOKUP is used to search for a value in a table and return a corresponding value from another column.
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Q1. Tell me about yourself? Previous experience? Salary expectation?
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