Muthoot Fincorp Credit Manager Interview Questions and Answers

Q1. Comfortable discuss his education, family and his genral knowledge, and after privious experience
Ans. Comfortable given answer self, family and his education and current job
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Q2. If interviewer are not eligible then say go otherwise if he is comfortable then we are trying his body language and his capacity for workload
Ans. Dress code was good formal dress with formal shoes and no any stress about work
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Q3. We want an educated underwriting and expert person for as a credit manager
Ans. He/she answered to us is experts in underwriting with PD and income calculation
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Q4. Asking about team handling and branch handling
Ans. Yes I am very comfortable with my team and my team also very comfort with me and we are solve any issues branch end and we are discussing in our joint group
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Q5. Any privious case discussion wherever face problems he is solve it
Ans. Any last case disburse who can your biggest case
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Q6. Asking about our company
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Q1. What's your work profile and CTS
Ans. 
I have over 5 years of experience as a Credit Manager, specializing in risk assessment, credit analysis, and collections.
• Managed credit risk by analyzing financial statements and credit reports

• Developed and implemented credit policies to minimize bad debt

• Negotiated payment terms with customers to ensure timely payments

• Worked closely with sales team to evaluate creditworthiness of new customers
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Q2. Business Underwriting for Unsecured secured business loan and my current CTC **** and expected ****
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Q1. Tell me about yourself
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Q2. Your role at current work place
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Q3. What are the challenges faced in your work place
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Nothing , easy only logical and communication

It was easy basic logical reasoning

Q1. Introduction of yourself
Ans. 
I am an experienced Credit Manager with a strong background in financial analysis and risk assessment.
• Over 5 years of experience in credit management

• Proficient in financial analysis and risk assessment

• Strong understanding of credit policies and procedures

• Excellent communication and negotiation skills

• Proven track record of reducing bad debt and improving cash flow
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Q2. Document in credit
Ans. 
Documenting credit information is crucial for assessing risk and making informed decisions.
• Maintain detailed records of customer credit applications, approvals, and payment history

• Include relevant financial statements, credit reports, and references in the documentation

• Regularly update and review credit files to ensure accuracy and compliance with policies

• Document any communication or agreements regarding credit terms ...read more
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Senior check my knowledge

Q1. Salary negotiations
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Q1. Say something about HL and Lap loan
Ans. 
HL stands for Home Loan and LAP stands for Loan Against Property.
• HL is a type of loan specifically for purchasing a home or property.

• LAP is a loan where a property is mortgaged to secure a loan for various purposes.

• HL typically has lower interest rates compared to LAP.

• LAP allows borrowers to leverage the value of their property for additional funds.

• Both HL and LAP require thorough evaluation of the borrower's creditwor
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Q2. You know about Technical and legal process say something
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Q1. Introduction your self
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Q2. Dicsrive about policy
Ans. 
A policy is a set of guidelines and rules that govern the decision-making process of an organization.
• Policies are created to ensure consistency and fairness in decision-making.

• They provide a framework for employees to follow and help to minimize risk.

• Examples of policies include HR policies, financial policies, and IT policies.

• Policies should be reviewed and updated regularly to ensure they are still relevant and effec
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Q3. Dicsrive about cibil
Ans. 
CIBIL is a credit information company that maintains credit records of individuals and companies.
• CIBIL stands for Credit Information Bureau (India) Limited.

• It collects credit-related information from various financial institutions and creates credit reports for individuals and companies.

• The credit report includes credit score, credit history, and other relevant information that helps lenders assess the creditworthiness...read more
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