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Muthoot Housing Finance Company Credit Officer Interview Questions and Answers

Updated 12 Jul 2020

Muthoot Housing Finance Company Credit Officer Interview Experiences

1 interview found

I applied via Walk-in and was interviewed before Jul 2019. There was 1 interview round.

Interview Questionnaire 

6 Questions

  • Q1. I am searching for a job in your company
  • Q2. Due to covid- 19 my company lay off my services
  • Q3. So write now I am jobless
  • Q4. So looking for a job change in your company
  • Q5. And my CTC 2.62 lac
  • Q6. And I have join in amar package

Interview Preparation Tips

Interview preparation tips for other job seekers - I am looking for a job in jaipur location

Interview questions from similar companies

Interview Questionnaire 

1 Question

  • Q1. Noo more questions, here only processing joining formalities

Interview Preparation Tips

Round: Resume Shortlist
Experience: Identify who is is having more experience in same department, at the same time written exam for behavior, self intro, he will be finalizing

Round: Case Study Interview
Experience: What you done in the past job...duties And how much you know credit Dept....

I applied via Naukri.com and was interviewed in Oct 2020. There were 3 interview rounds.

Interview Questionnaire 

1 Question

  • Q1. Previously experience work

Interview Preparation Tips

Interview preparation tips for other job seekers - Hard work and be patience

I applied via Naukri.com and was interviewed before Mar 2021. There were 3 interview rounds.

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 - Technical 

(2 Questions)

  • Q1. What do u check in cibil? What will u analyze in customer beforr funding
  • Ans. 

    In CIBIL, I check the credit history and credit score of the customer. Before funding, I analyze the customer's financial stability, income, existing debts, and repayment history.

    • Check credit history and credit score in CIBIL

    • Analyze customer's financial stability

    • Assess customer's income and existing debts

    • Evaluate customer's repayment history

    • Consider any previous defaults or delinquencies

  • Answered by AI
  • Q2. What is dpd ? What is more important to analysis the credit worthiness of customers
  • Ans. 

    DPD stands for Days Past Due. Payment history and credit utilization are more important to analyze creditworthiness.

    • DPD is a measure of how many days a payment is overdue

    • It is important to analyze payment history to determine if the customer pays on time

    • Credit utilization is also important as it shows how much credit the customer is using compared to their limit

    • Both factors can indicate the customer's ability to manage...

  • Answered by AI
Round 3 - HR 

(8 Questions)

  • Q1. What are your strengths and weaknesses?
  • Q2. What are your salary expectations?
  • Q3. What is your family background?
  • Q4. Share details of your previous job.
  • Q5. Why should we hire you?
  • Q6. Why are you looking for a change?
  • Q7. Where do you see yourself in 5 years?
  • Q8. Tell me about yourself.

Interview Preparation Tips

Interview preparation tips for other job seekers - Do have proper knowledge of Cibil and dpds and the credit ratios
Interview experience
4
Good
Difficulty level
Moderate
Process Duration
Less than 2 weeks
Result
Selected Selected

I appeared for an interview before Feb 2024.

Round 1 - One-on-one 

(2 Questions)

  • Q1. Tell me about yourself?
  • Q2. What is the credit underwriting process?
  • Ans. 

    Credit underwriting process involves assessing the creditworthiness of a borrower to determine their eligibility for a loan.

    • Gathering financial information from the borrower

    • Analyzing the borrower's credit history

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

    • Assessing the borrower's ability to repay the loan

    • Determining the appropriate loan amount and interest rate

    • Approving or denying the loan based on the underwriting c

  • Answered by AI
Interview experience
2
Poor
Difficulty level
-
Process Duration
-
Result
-
Round 1 - HR 

(1 Question)

  • Q1. About yourself and what is your goal?
Interview experience
5
Excellent
Difficulty level
Moderate
Process Duration
Less than 2 weeks
Result
Selected Selected

I applied via Walk-in and was interviewed in Jun 2022. There was 1 interview round.

Round 1 - One-on-one 

(2 Questions)

  • Q1. Simple and quick
  • Q2. Self introduction and about on related to finance and banking related quation

Interview Preparation Tips

Interview preparation tips for other job seekers - Nice place to work , friends and freely workzone
Interview experience
5
Excellent
Difficulty level
Moderate
Process Duration
Less than 2 weeks
Result
Selected Selected

I applied via Walk-in and was interviewed before Oct 2022. There were 2 interview rounds.

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 

(3 Questions)

  • Q1. What do you know about loans
  • Ans. 

    Loans are financial agreements where a lender provides funds to a borrower, who agrees to repay the loan with interest over a set period of time.

    • Loans involve a lender providing funds to a borrower, who agrees to repay the loan amount along with interest.

    • There are different types of loans such as personal loans, home loans, car loans, and business loans.

    • Interest rates on loans can be fixed or variable depending on the ...

  • Answered by AI
  • Q2. Some questions were asked regarding the loan like what is a FOIR
  • Q3. How to check bank statement
  • Ans. 

    To check a bank statement, log in to your online banking account or visit a branch to request a printed statement.

    • Log in to your online banking account using your username and password

    • Navigate to the section where you can view your account statements

    • Select the time period for which you want to view the statement

    • Download or print the statement for your records

    • If you prefer a printed statement, visit a branch and request

  • Answered by AI

Interview Questionnaire 

1 Question

  • Q1. Home loan process

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 to prepare for Muthoot Housing Finance Company Credit Officer interview?
Go through your CV in detail and study all the technologies mentioned in your CV. Prepare at least two technologies or languages in depth if you are appearing for a technical interview at Muthoot Housing Finance Company. The most common topics and skills that interviewers at Muthoot Housing Finance Company expect are Credit Risk Analysis, Credit Analysis, Credit Assessment, Credit Management and Credit.
What are the top questions asked in Muthoot Housing Finance Company Credit Officer interview?

Some of the top questions asked at the Muthoot Housing Finance Company Credit Officer interview -

  1. Due to covid- 19 my company lay off my servic...read more
  2. And I have join in amar packa...read more
  3. So write now I am joble...read more

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Muthoot Housing Finance Company Credit Officer Salary
based on 7 salaries
₹2.4 L/yr - ₹3.2 L/yr
22% less than the average Credit Officer Salary in India
View more details

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