5 Motilal Oswal Home Finance Cluster Credit Manager Interview Questions & Answers | Complete Prep Guide 2025

Motilal Oswal Home Finance Cluster Credit Manager Interview Experiences

1 interview found

Cluster Credit Manager Interview Questions & Answers

HariBabu Redapangi

posted on 21 Sep 2024

Interview experience

Excellent

Difficulty level

Process Duration

Result

Round 1 - One-on-one

(3 Questions)

Q1. What is tital experience

Ans.

Total experience refers to the cumulative years of work experience a candidate has in a particular field or industry.

Total experience includes all relevant work experience, including internships, part-time jobs, and full-time positions.
It is important for employers to consider total experience when evaluating a candidate's qualifications for a role.
For example, a candidate with 5 years of total experience in credit man...

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Q2. Job related question

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Q3. Profile and pd Kirana and fancy shop

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Round 2 - HR

(2 Questions)

Q1. What is present ctc

Ans.

Current CTC refers to the total salary package of an employee including all benefits and allowances.

Present CTC includes salary, bonuses, benefits, and allowances.
It is the total cost to the company for employing the individual.
CTC may vary based on the employee's experience, skills, and negotiation.
Example: Present CTC of $60,000 includes a base salary of $50,000, annual bonus of $5,000, and benefits worth $5,000.

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Q2. What is expected ctc

Ans.

The expected CTC for the Cluster Credit Manager position will depend on factors such as experience, qualifications, and company policies.

Expected CTC can range from X to Y based on industry standards.
Candidates with relevant experience and skills may negotiate for a higher CTC.
Company policies and budget constraints also play a role in determining the expected CTC.
CTC may include components such as base salary, bonuses

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Round 3 - Case Study

Pd for single profile

Round 4 - Assignment

Cibil verification and profle pds

Interview Preparation Tips

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Interview questions from similar companies

Credit Manager Interview Questions & Answers

HDFC Bank

Anonymous

posted on 14 Sep 2021

I applied via Referral and was interviewed before Sep 2020. There were 3 interview rounds.

Interview Questionnaire

2 Questions

Q1. Financial analysis related questions

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Q2. Just answer what you have learnt during the course of your studies

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Interview Preparation Tips

Interview preparation tips for other job seekers - Be honest in your answers. If you dont know dont fluke

Credit Manager Interview Questions & Answers

HDFC Bank

lostpanda

posted on 28 Nov 2021

I applied via Referral and was interviewed before Nov 2020. There were 3 interview rounds.

Interview Questionnaire

1 Question

Q1. Regarding previous experience with organisation. Things related to same.

Add your answer

Interview Preparation Tips

Interview preparation tips for other job seekers - Before hand get some idea about the job role ask you refrences. Do your homework and dont be shy for asking questions beforehand to maximise the knowlegdge.

Credit Manager Interview Questions & Answers

ICICI Bank

posted on 15 May 2022

I applied via Campus Placement and was interviewed before May 2021. There was 1 interview round.

Round 1 - Technical

(1 Question)

Q1. 1. tell me about yourself 2. what will your check while giving loans to clients? 3. what is debt service coverage ratios? 4. what is cibil? 5. what is your family background

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Interview Preparation Tips

Interview preparation tips for other job seekers - it was easy to average. be prepared with come ratios .

Credit Manager Interview Questions & Answers

ICICI Bank

Anonymous

posted on 25 May 2022

I applied via Campus Placement and was interviewed before May 2021. There were 2 interview rounds.

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.

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Round 2 - Group Discussion

Pro Tip by AmbitionBox:

Don’t treat group discussions as an argument. Group discussion is about reaching a meaningful conclusion.

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Interview Preparation Tips

Interview preparation tips for other job seekers - Update your self to the Organisation requirements

Credit Manager Interview Questions & Answers

ICICI Bank

Anonymous

posted on 13 Oct 2022

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

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 Resume tips

Round 2 - HR

Interview Preparation Tips

Interview preparation tips for other job seekers - be thorough with ratios and processes. Have knowledge on financial analysis

Credit Manager Interview Questions & Answers

ICICI Bank

Anonymous

posted on 10 Aug 2022

I applied via Recruitment Consulltant and was interviewed before Aug 2021. There were 2 interview rounds.

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 Resume tips

Round 2 - Technical

(1 Question)

Q1. Ratios and financial statement analysis etc

Add your answer

Interview Preparation Tips

Interview preparation tips for other job seekers - Ratios and analyzing of Financial statements are important

Credit Manager Interview Questions & Answers

ICICI Bank

Anonymous

posted on 24 Apr 2017

I was interviewed before Apr 2016.

Interview Questionnaire

5 Questions

Q1. Which clauses are important in 3CD while sanctioning loan

Ans.

Important clauses in 3CD for loan sanctioning

Clause 4 - Purpose of loan
Clause 5 - Amount of loan
Clause 6 - Repayment terms
Clause 7 - Security for loan
Clause 8 - Interest rate
Clause 9 - Default and consequences

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Q2. Tell me profit and loss ratios

Ans.

Profit and loss ratios are financial metrics used to assess the profitability of a company.

Profit ratio measures the percentage of profit earned on sales.
Gross profit ratio is calculated by dividing gross profit by net sales.
Net profit ratio indicates the percentage of net profit earned on sales.
Operating profit ratio measures the profitability of core operations.
Return on investment (ROI) is a common profitability rat

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Q3. Balance sheet ratios

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Q4. Diffrence between concurrent audit and statutory audit

Ans.

Concurrent audit is conducted during the course of business operations, while statutory audit is conducted at the end of the financial year.

Concurrent audit is performed concurrently with the operations of the organization.
Statutory audit is conducted to ensure compliance with legal and regulatory requirements.
Concurrent audit helps in detecting and preventing frauds and errors in real-time.
Statutory audit provides an ...

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Q5. If someone is earning less than EMI should he take a loan or not

Ans.

No, someone earning less than EMI should not take a loan.

Taking a loan when earning less than the EMI can lead to financial strain and difficulty in repayment.
It is important to have a stable income that can comfortably cover the loan repayment.
If someone is already struggling to meet their financial obligations, taking on additional debt can worsen their situation.
It is advisable to explore alternative options such as...

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Interview Preparation Tips

College Name: ICAI

Credit Manager Interview Questions & Answers

Kotak Mahindra Bank

Souradipta Ray

posted on 16 Sep 2020

Interview Questionnaire

3 Questions

Q1. Previous Job experience

Ans.

I have 5 years of experience as a Credit Manager at XYZ Company.

Managed credit risk assessment for new and existing clients
Analyzed financial statements and credit reports to determine creditworthiness
Negotiated payment terms and conditions with clients
Implemented credit policies and procedures to minimize risk
Collaborated with sales and finance teams to optimize credit decisions

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Q2. Work related questions, e.g how to verify debtors from banking

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Q3. Future goals

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Credit Manager Interview Questions & Answers

Kotak Mahindra Bank

Anonymous

posted on 30 Jan 2021

Interview Questionnaire

1 Question

Q1. Product knowledge, FINANCIAL formulas, Market experience

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Motilal Oswal Home Finance Interview FAQs

How many rounds are there in Motilal Oswal Home Finance Cluster Credit Manager interview?

Motilal Oswal Home Finance interview process usually has 4 rounds. The most common rounds in the Motilal Oswal Home Finance interview process are One-on-one Round, HR and Case Study.

What are the top questions asked in Motilal Oswal Home Finance Cluster Credit Manager interview?

Some of the top questions asked at the Motilal Oswal Home Finance Cluster Credit Manager interview -

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Motilal Oswal Home Finance Cluster Credit Manager Salary

based on 13 salaries

₹6.2 L/yr - ₹12.1 L/yr

6% less than the average Cluster Credit Manager Salary in India

View more details

Motilal Oswal Home Finance Salaries in India

Relationship Manager 135 salaries	₹0 L/yr - ₹0 L/yr
Branch Sales Manager 83 salaries	₹0 L/yr - ₹0 L/yr
Branch Credit Manager 53 salaries	₹0 L/yr - ₹0 L/yr
Assistant Manager 52 salaries	₹0 L/yr - ₹0 L/yr
Senior Relationship Manager 49 salaries	₹0 L/yr - ₹0 L/yr