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Muthoot Housing Finance Company Credit Manager Interview Questions and Answers

Updated 25 May 2024

Muthoot Housing Finance Company Credit Manager Interview Experiences

Interview questions from similar companies

Interview experience
4
Good
Difficulty level
Easy
Process Duration
More than 8 weeks
Result
Selected Selected

I applied via Naukri.com and was interviewed in Jun 2024. There was 1 interview round.

Round 1 - HR 

(2 Questions)

  • Q1. Salary expected
  • Q2. Work experience

Interview Preparation Tips

Interview preparation tips for other job seekers - Naukri is a good platform for job placement
Interview experience
5
Excellent
Difficulty level
-
Process Duration
Less than 2 weeks
Result
Selected Selected

I applied via Campus Placement and was interviewed in Mar 2024. There was 1 interview round.

Round 1 - Case Study 

Giving loans after doing complete case study, income analysis and finding income deviation after looking at business income and if I am in sales then I know the complete study

Interview Preparation Tips

Interview preparation tips for other job seekers - Ok
Interview experience
4
Good
Difficulty level
Easy
Process Duration
Less than 2 weeks
Result
Selected Selected

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

Round 1 - One-on-one 

(5 Questions)

  • Q1. About your self
  • Q2. Why you want to change job
  • Q3. What's your hobbies
  • Q4. Weakness and strength
  • Q5. Your notice period

Interview Preparation Tips

Interview preparation tips for other job seekers - Nothing to worry about. You will select easily
Interview experience
5
Excellent
Difficulty level
Moderate
Process Duration
Less than 2 weeks
Result
Selected Selected

I applied via LinkedIn and was interviewed in Dec 2022. There was 1 interview round.

Round 1 - One-on-one 

(2 Questions)

  • Q1. Tell me about credit underwriting
  • Ans. 

    Credit underwriting involves assessing the creditworthiness of borrowers to determine their ability to repay loans.

    • Credit underwriting is the process of evaluating the financial information of borrowers to determine their creditworthiness.

    • It involves analyzing factors such as income, credit history, debt-to-income ratio, and collateral.

    • The goal of credit underwriting is to assess the risk associated with lending money ...

  • Answered by AI
  • Q2. What is Mortgage or unsecured loan
  • Ans. 

    A mortgage is a loan secured by real estate property, while an unsecured loan is not backed by collateral.

    • Mortgage: A loan where the borrower uses their property as collateral.

    • Unsecured loan: A loan that is not backed by collateral.

    • Mortgages typically have lower interest rates compared to unsecured loans.

    • Examples of unsecured loans include personal loans and credit card debt.

    • If a borrower defaults on a mortgage, the le...

  • Answered by AI

Interview Preparation Tips

Interview preparation tips for other job seekers - Knowledge
Attitude
How to explore ourselves
Mortgage/unsecured loan

I applied via Referral

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 - HR 

(2 Questions)

  • Q1. Experience and technical knowledge Past experience
  • Q2. Family background and CTC

Interview Preparation Tips

Interview preparation tips for other job seekers - Technically round HR round and one round with national credit manager
Interview experience
5
Excellent
Difficulty level
Moderate
Process Duration
-
Result
Selected Selected

I applied via Campus Placement and was interviewed before Mar 2023. There were 2 interview rounds.

Round 1 - One-on-one 

(1 Question)

  • Q1. They asked me about banking structure and process
Round 2 - HR 

(1 Question)

  • Q1. They ask me previous experience and current position and qualifications

Interview Questionnaire 

3 Questions

  • Q1. How to calculate loan eligibility
  • Ans. 

    Loan eligibility can be calculated by considering factors such as income, credit score, and debt-to-income ratio.

    • Determine the borrower's income and employment stability

    • Check the borrower's credit score and credit history

    • Calculate the borrower's debt-to-income ratio

    • Consider the loan amount and term

    • Example: A borrower with a high income, good credit score, and low debt-to-income ratio is more likely to be eligible for a

  • Answered by AI
  • Q2. How many years of search required
  • Ans. 

    The number of years of experience required for the Credit Manager position depends on the company's policies and the complexity of the job.

    • The required years of experience may vary depending on the company's size and industry.

    • The complexity of the job may also affect the required years of experience.

    • Some companies may require a minimum of 3-5 years of experience, while others may require more.

    • Experience in credit analy...

  • Answered by AI
  • Q3. LTV calculation

Interview Preparation Tips

Interview preparation tips for other job seekers - Go positively
Give your best
Go through company rate of interest
Profile related knowledge

I applied via Referral and was interviewed in Dec 2021. There was 1 interview round.

Round 1 - HR 

(1 Question)

  • Q1. Work profile, experience

Interview Preparation Tips

Interview preparation tips for other job seekers - Bangalore ACM and HR taken the interview short listed they offered and i accept that offer but they didnt realize the offer latter

I applied via Recruitment Consultant and was interviewed in Jan 2021. There was 1 interview round.

Interview Questionnaire 

1 Question

  • Q1. All financial questions

Interview Preparation Tips

Interview preparation tips for other job seekers - Good

Muthoot Housing Finance Company Interview FAQs

How many rounds are there in Muthoot Housing Finance Company Credit Manager interview?
Muthoot Housing Finance Company interview process usually has 1 rounds. The most common rounds in the Muthoot Housing Finance Company interview process are Case Study.

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Muthoot Housing Finance Company Credit Manager Interview Process

based on 3 interviews

Interview experience

3.7
  
Good
View more
Muthoot Housing Finance Company Credit Manager Salary
based on 20 salaries
₹4 L/yr - ₹7.8 L/yr
28% less than the average Credit Manager Salary in India
View more details

Muthoot Housing Finance Company Credit Manager Reviews and Ratings

based on 6 reviews

4.6/5

Rating in categories

4.5

Skill development

4.6

Work-life balance

4.5

Salary

4.5

Job security

4.5

Company culture

4.5

Promotions

4.5

Work satisfaction

Explore 6 Reviews and Ratings
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₹2 L/yr - ₹4 L/yr

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₹3.4 L/yr - ₹8.3 L/yr

Branch Credit Manager
30 salaries
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₹3 L/yr - ₹6.8 L/yr

Assistant Manager
29 salaries
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₹3 L/yr - ₹5.4 L/yr

Relationship Officer
26 salaries
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₹1.7 L/yr - ₹3.5 L/yr

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