Muthoot Finance Gold Loan Executive Interview Questions and Answers

Q1. Family background
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Q2. Financial Knowledge
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Q1. Credit officer skills
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Q2. And about the project
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Q1. About location where u want to choose
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Q2. Self introduction
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Q1. Tell me about yourself.
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Q2. What motivates you to want to join BFIL?
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Q3. Basic questions about previous employers and reasons of leaving previous job.
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Q1. What is your name
Ans. 
My name is John Smith.
• Full name is John Smith

• Common name in English-speaking countries

• Easy to remember and pronounce
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Q2. What is your goal
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My goal is to help individuals secure financial assistance through gold loans while providing excellent customer service.
• To assist customers in understanding the gold loan process

• To ensure customers receive the maximum loan amount based on their gold value

• To maintain a high level of customer satisfaction and retention

• To meet or exceed loan targets set by the company
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Q1. What is your father name
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My father's name is John Smith.
• My father's first name is John.

• My father's last name is Smith.

• My father goes by the name John Smith in official documents.
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Q2. Where do you live
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I live in a cozy apartment in downtown area with easy access to public transportation and amenities.
• I live in a cozy apartment in the downtown area

• I have easy access to public transportation

• I have access to amenities like grocery stores, restaurants, and parks
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Q1. Technical knowledge and job profile related
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Q2. As per process and work experience based
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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. Salary expectation
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Q2. It is everyone's job to increase the salary and post of the employees after seeing their hard work
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Q3. Work experience
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Q4. Income analysis
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Q5. How to settle income FOIR
Ans. 
FOIR can be settled by ensuring the borrower's total fixed obligations do not exceed a certain percentage of their income.
• Calculate the borrower's total fixed obligations, including existing loan EMIs, rent, and other fixed expenses.

• Calculate the borrower's income, including salary, rental income, and any other sources of income.

• Divide the total fixed obligations by the borrower's income to get the FOIR.

• Ensure the FOIR...read more
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The work of the credit team is to provide loan after doing income analytics after studying the case and whether EMI can be given to the customer and my work in case study is to find out by doing local inquiry whether the customer is showing fake business or not and in sales, I keep getting to know what is the problem in the case

Q1. Wat is FSI AND WHY 13 YEARS TRACE REQUIRED
Ans. 
FSI stands for Financial Stress Index. 13 years trace is required to analyze long-term financial trends.
• FSI is a measure of financial stress in the economy, taking into account various indicators such as interest rates, credit spreads, and market volatility.

• Analyzing a 13-year trace allows for a comprehensive understanding of long-term financial trends and patterns.

• This long-term data helps in identifying potential ris...read more
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