Piramal Capital Housing Finance Operations Executive Interview Questions and Answers

Q1. What are the types of loans
Ans. 
Types of loans include personal loans, home loans, auto loans, student loans, and business loans.
• Personal loans: Borrowed for personal use, such as debt consolidation or home improvements.

• Home loans: Used to purchase a home or real estate property.

• Auto loans: Used to finance the purchase of a vehicle.

• Student loans: Borrowed to cover the cost of education and related expenses.

• Business loans: Obtained for business purpos...read more
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Q1. How many types of kyc
Ans. 
There are three main types of KYC: Simplified Due Diligence (SDD), Basic KYC, and Enhanced Due Diligence (EDD).
• Simplified Due Diligence (SDD) - for low-risk customers with minimal verification requirements.

• Basic KYC - for regular customers with standard verification procedures.

• Enhanced Due Diligence (EDD) - for high-risk customers with thorough verification and monitoring processes.

• Examples: SDD for prepaid card users,...read more
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Q1. What is your total experience
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Q2. What will do in company
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Q1. All About the company
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Q2. What is carat, why u join this company?
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Q1. Hr had asked to me about some questions of my skills and as well as asked some questions related my latest job and my work.
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Q2. Hr sir asked me some questions to me about my family.
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Good

I have Experience in TMFL as Operation Executive for 3 years, Positive Reference By Zonal Credit Manager and Sales Team

Q1. What are your salary expectations?
Ans. 
I am open to discussing salary based on the responsibilities and requirements of the position.
• I am flexible and open to negotiation.

• I am more interested in finding the right fit for the role.

• I would like to be compensated fairly for my skills and experience.

• I am open to discussing benefits and other forms of compensation.

• I am confident that we can come to a mutually beneficial agreement.
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Q2. Share details of your previous job.
Ans. 
I worked as an Operation Executive at XYZ Company.
• Managed daily operations and ensured smooth functioning of the department.

• Developed and implemented operational strategies to improve efficiency and productivity.

• Coordinated with various teams to streamline processes and achieve organizational goals.

• Monitored key performance indicators and prepared reports for management review.

• Handled customer queries and resolved issu...read more
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Q3. Why should we hire you?
Ans. 
I have the necessary skills, experience, and passion to excel in this role.
• I have a proven track record of successfully managing operations and achieving targets.

• I possess strong leadership and problem-solving skills.

• I am highly organized and detail-oriented, ensuring efficient and effective operations.

• I am a team player and can collaborate effectively with cross-functional teams.

• I am adaptable and can handle multiple ...read more
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Q4. Why are you looking for a change?
Ans. 
Seeking new challenges and growth opportunities in a dynamic work environment.
• Looking for a change to expand my skill set and knowledge.

• Seeking a role with more responsibility and leadership opportunities.

• Interested in working in a different industry to gain new perspectives.

• Want to be part of a company that aligns with my values and goals.

• Desire to work in a more collaborative and innovative environment.
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Q5. Where do you see yourself in 5 years?
Ans. 
In 5 years, I see myself as a successful and accomplished Operation Executive, leading a team and driving operational excellence.
• Leading a team of high-performing individuals

• Implementing strategies to improve operational efficiency

• Driving process improvements and cost savings

• Building strong relationships with stakeholders

• Continuously learning and growing in my role
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Q6. Tell me about yourself.
Ans. 
I am an experienced Operation Executive with a strong track record in managing operations and driving efficiency.
• Over 5 years of experience in operations management

• Proven ability to streamline processes and improve productivity

• Strong leadership skills and ability to motivate teams

• Experience in implementing cost-saving measures

• Proficient in using various operation management tools and software

• Successfully managed large-...read more
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Q1. I have experience of Sap and Turbo system as already experience in TMFL
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Positive Thinking, Hard Working, Positive Calls taken ability

Q1. Bank reconciliation
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Q2. Type of gst tax
Ans. 
GST tax is a value-added tax levied on most goods and services sold for domestic consumption.
• GST stands for Goods and Services Tax

• It is a consumption tax imposed on the sale of goods and services

• GST is levied at each stage of the production and distribution chain

• It replaces multiple indirect taxes like VAT, service tax, etc.

• Examples of countries with GST include India, Australia, Canada, and Singapore
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