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I applied via Referral and was interviewed in Aug 2023. There was 1 interview round.
The average ticket size determines the level of authority for visits.
The average ticket size indicates the typical amount of credit extended to customers.
A higher average ticket size may indicate a higher level of authority for visits.
Authority for visits may be determined based on the risk associated with the credit extended.
Examples of authority levels could be: low authority for visits if average ticket size is belo...
The credit manager should be aware of the distance to be covered in their area and the average number of visits made in a month.
The credit manager should have knowledge of the geographical area they are responsible for.
They should be aware of the distance between different locations within their area.
Knowing the average number of visits made in a month helps in planning and managing workload.
This information can be use...
I applied via Referral and was interviewed before Dec 2023. There was 1 interview round.
I have 5 years of experience in marketing, including developing marketing strategies, managing campaigns, and analyzing market trends.
Developed and implemented marketing strategies to increase brand awareness and drive sales
Managed marketing campaigns across various channels such as social media, email, and print
Analyzed market trends and consumer behavior to identify opportunities for growth
Collaborated with cross-fun...
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I applied via Naukri.com and was interviewed before Jan 2024. There was 1 interview round.
I applied via Naukri.com and was interviewed in Mar 2023. There were 2 interview rounds.
I applied via Company Website
I applied via LinkedIn and was interviewed before Dec 2020. There was 1 interview round.
I would assess the applicant's creditworthiness based on their credit history, income, and debt-to-income ratio.
Check the applicant's credit score and credit report
Verify their income and employment status
Calculate their debt-to-income ratio
Consider any past delinquencies or bankruptcies
Assess the purpose of the loan and the likelihood of repayment
Review any collateral offered as security
I was interviewed before Apr 2016.
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
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
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 ...
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...
I applied via Campus Placement and was interviewed before Jun 2020. There were 6 interview rounds.
Some of the top questions asked at the Motilal Oswal Home Finance Credit Manager interview -
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