Oxyzo Financial Services
Pentation Analytics Interview Questions and Answers
Q1. What are the alternatives required for disbursed the LAP case if borrower don't have the required documents as per the checklist.
Explore alternative options such as obtaining a letter of explanation, conducting a site visit, or verifying income through bank statements.
Request a letter of explanation from the borrower detailing the reason for missing documents.
Conduct a site visit to verify the borrower's identity and assess the property.
Verify the borrower's income through bank statements or other financial records.
Consider accepting alternative documents that may provide similar information to the req...read more
Q2. What are the documents required in loan against property?
Documents required for loan against property include proof of identity, address, income, property documents, and bank statements.
Proof of identity (such as Aadhar card, passport, PAN card)
Proof of address (such as utility bills, rental agreement)
Income documents (such as salary slips, income tax returns)
Property documents (such as title deed, sale deed)
Bank statements (to show repayment capacity)
Q3. Financial ratios and their formulas
Financial ratios are used to evaluate a company's financial performance and health.
Liquidity ratios: measure a company's ability to meet short-term obligations
Profitability ratios: measure a company's ability to generate profits
Solvency ratios: measure a company's ability to meet long-term obligations
Efficiency ratios: measure a company's ability to use its assets and resources efficiently
Examples of ratios include current ratio, debt-to-equity ratio, return on equity, and in...read more
Q4. cash-burning concept
Cash-burning concept refers to a business model that spends more money than it earns.
It is a common strategy for startups to gain market share quickly.
It can be risky if the company cannot secure additional funding.
Examples include Uber, which spent billions on expansion and marketing before turning a profit.
Credit underwriters need to assess the financial health and sustainability of companies with this model.
Q5. How do you prepare pipeline
I prepare pipeline by identifying potential leads, nurturing relationships, and tracking progress through various stages.
Identify target market and potential leads
Utilize various lead generation strategies such as networking events, cold calling, and email campaigns
Nurture relationships with leads through personalized communication and follow-ups
Track progress of leads through CRM software and adjust strategies accordingly
Q6. Whether you can trave
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