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Paymac India E-Service Senior Credit Executive Interview Questions and Answers
Paymac India E-Service Senior Credit Executive Interview Experiences
1 interview found
ajeet singh
Selected
I applied via AmbitionBox and was interviewed in Oct 2024. There were 3 interview rounds.
(5 Questions)
- Q1. What is the profile work
- Q2. What is selection process
- Ans.
Selection process is the method used to choose the most suitable candidate for a job or position.
Identifying the job requirements and qualifications
Advertising the job opening
Receiving and reviewing applications
Conducting interviews and assessments
Selecting the best candidate
Offering the job and onboarding the new hire
- Q3. Employee basis questions and profile according.
- Q4. Person interview with qualification of the employee
- Q5. Last company experience in this job
- Ans.
Managed credit risk for a multinational corporation, overseeing credit policies and procedures.
Developed and implemented credit policies to minimize risk exposure
Analyzed financial statements and credit reports to assess creditworthiness of clients
Negotiated payment terms and credit limits with customers
Managed a team of credit analysts to ensure timely and accurate credit decisions
Last company feedback in own company working and performance according.
(2 Questions)
- Q1. Interview of the employee
- Q2. Employee clear and check performing in the employee
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Sathish Thala
They ask about credit analysis
Anonymous
Selected
I applied via Referral and was interviewed in Feb 2024. There was 1 interview round.
(2 Questions)
- Q1. Tell me about your self
- Ans.
I am a detail-oriented and analytical individual with a strong background in credit and risk analysis.
Strong analytical skills
Detail-oriented
Background in credit and risk analysis
- Q2. Why are you join this company
- Ans.
I am excited to join this company because of its strong reputation in the industry and the opportunities for growth and development.
Strong reputation in the industry
Opportunities for growth and development
Excited about the company's values and culture
Interview Preparation Tips
Selected
I applied via Walk-in and was interviewed before Dec 2023. There was 1 interview round.
(2 Questions)
- Q1. Why should we hire you?
- Ans.
I have a strong background in credit analysis and risk assessment, with a proven track record of making sound lending decisions.
I have X years of experience in credit analysis and risk assessment.
I have a proven track record of making sound lending decisions.
I am detail-oriented and have strong analytical skills.
I am familiar with industry regulations and compliance standards.
I have excellent communication and interper...
- Q2. Why do you think your growth will be here?
- Ans.
I believe my growth will be here due to my strong work ethic, dedication to learning, and ability to adapt to new challenges.
I have a proven track record of exceeding targets and taking on additional responsibilities in my previous roles.
I am constantly seeking out opportunities for professional development and further education to enhance my skills.
I am adaptable and thrive in fast-paced environments, which will allow
Selected
I applied via Walk-in and was interviewed before Jul 2023. There were 2 interview rounds.
English Grammer ,walkin
(2 Questions)
- Q1. Why did you choose amazon?
- Q2. Leadership priciples in amazon
I applied via Referral and was interviewed in Oct 2021. There were 3 interview rounds.
Interview Questionnaire
6 Questions
- Q1. Previous company job role
- Q2. Product I handle
- Ans.
I handle credit products for various industries.
I manage credit lines and evaluate creditworthiness for clients in different sectors.
I analyze financial statements, credit reports, and other relevant data to assess risk.
I collaborate with sales teams to establish credit terms and conditions for customers.
I monitor credit limits, payment terms, and collections to ensure timely payments.
I provide recommendations for cred...
- Q3. Count of files per day I do
- Ans.
I process an average of 50 files per day.
On average, I handle 50 files daily.
The number of files I process per day is around 50.
I typically deal with approximately 50 files each day.
- Q4. About Visit to client
- Q5. Check points while underwriting
- Ans.
Check points while underwriting
Evaluate the borrower's credit history and credit score
Assess the borrower's income and employment stability
Review the borrower's debt-to-income ratio
Analyze the borrower's collateral or assets
Consider the borrower's repayment capacity
Verify the borrower's financial documents
Assess the borrower's payment history and credit utilization
Evaluate the borrower's industry and market conditions
- Q6. Any questions to ask
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Selected
I applied via Company Website and was interviewed before Mar 2022. There were 2 interview rounds.
(2 Questions)
- Q1. What is OTC and its functions
- Ans.
OTC stands for Over-The-Counter and refers to the trading of financial instruments directly between two parties without the involvement of an exchange.
OTC trading is done through a dealer network rather than a centralized exchange
OTC markets are less regulated than exchange-traded markets
OTC markets include trading of stocks, bonds, derivatives, and currencies
OTC trading allows for greater flexibility in terms of contr...
- Q2. Ageing bucket means and characteristics
- Ans.
Ageing bucket refers to the categorization of overdue debts based on the number of days they have been outstanding.
Ageing bucket is used to track the payment status of accounts receivable.
It helps in identifying the accounts that are overdue and need immediate attention.
The buckets are usually categorized as 0-30 days, 31-60 days, 61-90 days, and 90+ days.
The longer the debt remains unpaid, the higher the risk of defau...
Interview Preparation Tips
I applied via Campus Placement and was interviewed in Feb 2021. There was 1 interview round.
Interview Questionnaire
3 Questions
- Q1. Why you want to join bank?
- Q2. What you was doing between completion of articleship to clearing your final exam?
- Q3. Family background and blood relation already in bank?
Bhavesh Hemnani
I was interviewed before Jun 2021.
(2 Questions)
- Q1. Introduction - About yourself
- Q2. Knowledge about Current Job profile
(1 Question)
- Q1. Accounting Knowledge - Lease Liability, Off-Balance Sheet, Related Party Transaction
Spreading of Financial statement in shared format.
Interview Preparation Tips
VISHVA
Selected
I applied via Company Website and was interviewed in Feb 2024. There were 3 interview rounds.
Its an Assessment where they actually ask domain questions, MS - Excel, Email skills and general aptitude
Interview is my 2nd round
(1 Question)
- Q1. Here they will ask you family background and some basic process questions for name sake. If you already done your interview well then dont fear .If you want to prove you more just answer well and confident...
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