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Motilal Oswal Home Finance Credit Manager Interview Questions and Answers

Updated 7 Dec 2024

Motilal Oswal Home Finance Credit Manager Interview Experiences

2 interviews found

Interview experience
5
Excellent
Difficulty level
Easy
Process Duration
Less than 2 weeks
Result
Selected Selected

I applied via Referral and was interviewed in Aug 2023. There was 1 interview round.

Round 1 - One-on-one 

(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...

  • Answered by AI
  • 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...

  • Answered by AI

Interview Preparation Tips

Interview preparation tips for other job seekers - Be confident in yourselves, try to say what you have been doing work related.
Always negotiate to get the best offer from recruiter as you will have to give your best as well.
Interview experience
5
Excellent
Difficulty level
Easy
Process Duration
Less than 2 weeks
Result
Selected Selected

I applied via Referral and was interviewed before Dec 2023. There was 1 interview round.

Round 1 - HR 

(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...

  • Answered by AI

Interview Preparation Tips

Interview preparation tips for other job seekers - Very simple and friendly

Credit Manager Interview Questions Asked at Other Companies

asked in HDFC Bank
Q1. If a client comes to take a loan & he haven't got any type of ... read more
asked in ICICI Bank
Q2. What are the most important ratios to analyse the balance sheet a ... read more
asked in HDFC Bank
Q3. A client comes & he wants a big loan to fund his long-term pr ... read more
asked in ICICI Bank
Q4. Which clauses are important in 3CD while sanctioning loan
asked in ICICI Bank
Q5. What are the key skills of credit manager?

Interview questions from similar companies

Interview experience
3
Average
Difficulty level
Easy
Process Duration
Less than 2 weeks
Result
-

I applied via Naukri.com and was interviewed before Jan 2024. There was 1 interview round.

Round 1 - One-on-one 

(2 Questions)

  • Q1. Experience you have
  • Q2. Package

Interview Preparation Tips

Interview preparation tips for other job seekers - Can join if you don't care about appraisal
Interview experience
4
Good
Difficulty level
Moderate
Process Duration
Less than 2 weeks
Result
Selected Selected

I applied via Naukri.com and was interviewed in Mar 2023. There were 2 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 - One-on-one 

(3 Questions)

  • Q1. Policy ,FOIR ,LTV CAM
  • Q2. Underwriting legal and technical
  • Q3. Pd,tele pd case appraisal
Interview experience
1
Bad
Difficulty level
-
Process Duration
-
Result
-

I applied via Company Website

Round 1 - One-on-one 

(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
Interview experience
5
Excellent
Difficulty level
-
Process Duration
-
Result
-
Round 1 - One-on-one 

(1 Question)

  • Q1. Regarding the process of the role
Round 2 - One-on-one 

(1 Question)

  • Q1. Questions regarding Credit
Interview experience
4
Good
Difficulty level
-
Process Duration
-
Result
-
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 tips
Round 2 - One-on-one 

(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

Interview preparation tips for other job seekers - best company good hr policy good manager best package 5 day week

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

  • Answered by AI

Interview Preparation Tips

Interview preparation tips for other job seekers - averagely easy because generally, they are more willing for the candidate to join the company than the candidate.
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

  • Answered by AI
  • 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

  • Answered by AI
  • 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 ...

  • Answered by AI
  • 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...

  • Answered by AI

Interview Preparation Tips

College Name: ICAI

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

Interview preparation tips for other job seekers - Be confident and have good financial knowledge

Motilal Oswal Home Finance Interview FAQs

How many rounds are there in Motilal Oswal Home Finance Credit Manager interview?
Motilal Oswal Home Finance interview process usually has 1 rounds. The most common rounds in the Motilal Oswal Home Finance interview process are One-on-one Round and HR.
What are the top questions asked in Motilal Oswal Home Finance Credit Manager interview?

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

  1. PD visits distance to be covered in that area, and how many visits done in a mo...read more
  2. Average ticket size given to me about what amount of authority is given for vis...read more
  3. What is your job responsibilit...read more

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Motilal Oswal Home Finance Credit Manager Interview Process

based on 2 interviews

Interview experience

5
  
Excellent
View more
Motilal Oswal Home Finance Credit Manager Salary
based on 19 salaries
₹3.6 L/yr - ₹6.5 L/yr
33% less than the average Credit Manager Salary in India
View more details

Motilal Oswal Home Finance Credit Manager Reviews and Ratings

based on 8 reviews

4.3/5

Rating in categories

4.3

Skill development

3.3

Work-life balance

4.0

Salary

4.0

Job security

3.1

Company culture

3.7

Promotions

3.3

Work satisfaction

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