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Motilal Oswal Home Finance Credit Manager Interview Questions and Answers
Motilal Oswal Home Finance Credit Manager Interview Experiences
2 interviews found
Anonymous
Selected
I applied via Referral and was interviewed in Aug 2023. There was 1 interview round.
(4 Questions)
- Q1. In general, about past Job-related thing as shifting in same field. About what was work culture and how many cases I handle in a month.
- Q2. Average ticket size given to me about what amount of authority is given for visit.
- Ans.
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...
- Q3. What about timings of the job? Whether I will be comfortable or not during extended working hours?
- Q4. PD visits distance to be covered in that area, and how many visits done in a month on average basis?
- Ans.
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...
Interview Preparation Tips
Always negotiate to get the best offer from recruiter as you will have to give your best as well.
Selected
I applied via Referral and was interviewed before Dec 2023. There was 1 interview round.
(2 Questions)
- Q1. What is your job responsibilities
- Q2. What is your experience
- Ans.
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...
Interview Preparation Tips
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Interview questions from similar companies
I applied via Naukri.com and was interviewed before Jan 2024. There was 1 interview round.
(2 Questions)
- Q1. Experience you have
- Q2. Package
Interview Preparation Tips
Selected
I applied via Naukri.com and was interviewed in Mar 2023. There were 2 interview rounds.
(3 Questions)
- Q1. Policy ,FOIR ,LTV CAM
- Q2. Underwriting legal and technical
- Q3. Pd,tele pd case appraisal
I applied via Company Website
(5 Questions)
- Q1. How to location
- Q2. Sir this work from home
- Q3. Payment is hand sir
- Q4. Sir how to my work
- Q5. Sir good company this very nice
(1 Question)
- Q1. Regarding the process of the role
(1 Question)
- Q1. Questions regarding Credit
(5 Questions)
- Q1. Financials statement amalysis
- Q2. Previous experience ....................................
- Q3. All all all all all
- Q4. Ok ok ok ok ok
- Q5. Not not not not not
Interview Preparation Tips
I applied via LinkedIn and was interviewed before Dec 2020. There was 1 interview round.
Interview Questionnaire
1 Question
- Q1. If someone approaches you with a loan application then how would you decide whether to lend or not?
- Ans.
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
Interview Preparation Tips
If anybody knows the cons of working in the Indian private sector banks then he will never join or will not fall into the trap of a lucrative salary. Because the exit options from such roles are not good.
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
- 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
- Q3. Balance sheet ratios
- 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 ...
- 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...
Interview Preparation Tips
I applied via Campus Placement and was interviewed before Jun 2020. There were 6 interview rounds.
Interview Questionnaire
1 Question
- Q1. All financial ratios
Interview Preparation Tips
Motilal Oswal Home Finance Interview FAQs
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Motilal Oswal Home Finance Interviews By Designations
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Motilal Oswal Home Finance Credit Manager Interview Process
based on 2 interviews
Interview experience
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Motilal Oswal Home Finance Credit Manager Reviews and Ratings
based on 8 reviews
Rating in categories
|
Relationship Manager
134
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
51
salaries
| ₹0 L/yr - ₹0 L/yr |
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