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Piramal Capital Housing
Finance
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I bring expertise in risk assessment, team leadership, and strategic decision-making to enhance credit management processes.
Expertise in risk assessment: I can analyze credit risks effectively, ensuring informed lending decisions.
Team leadership: I have successfully led teams to improve efficiency and collaboration, resulting in faster credit approvals.
Data-driven decision-making: By leveraging analytics, I can id...
The disbursed amount depends on various factors like loan type, applicant's creditworthiness, and financial needs.
Loan Type: For example, a mortgage may disburse a larger amount compared to a personal loan.
Creditworthiness: A higher credit score can lead to a larger disbursement.
Financial Needs: The amount requested by the applicant plays a crucial role.
Floating rate of interest is a variable interest rate that changes periodically based on a benchmark rate.
Floating rate of interest is not fixed and can change over time.
It is typically tied to a benchmark rate, such as the prime rate or LIBOR.
The interest rate on a floating rate loan may adjust monthly, quarterly, annually, or at other intervals.
Floating rate loans are often used in financial products like adjust...
EMI stands for Equated Monthly Installment.
EMI is a fixed amount of money paid by a borrower to a lender at a specified date each calendar month.
It is used to repay both the interest and principal each month, ensuring that the loan is paid off in full over a specified period.
EMI calculations are commonly used in loans such as home loans, car loans, and personal loans.
Reserve Bank of India
Reserve Bank of India
Regulates the monetary policy in India
Issues currency notes
Acts as a banker to the government
FD is a fixed deposit where a lump sum amount is deposited for a fixed period at a fixed interest rate. RD is a recurring deposit where a fixed amount is deposited regularly for a fixed period at a fixed interest rate.
FD requires a lump sum amount to be deposited at once, while RD requires regular fixed deposits.
FD has a fixed term for the deposit, while RD allows flexibility in the deposit term.
FD typically offer...
BKT1, BKT2, and BKT3 are commonly used abbreviations in the credit industry to categorize the payment behavior of borrowers.
BKT1 refers to borrowers who have never missed a payment and have a good credit history.
BKT2 refers to borrowers who have missed a few payments but are still considered low risk.
BKT3 refers to borrowers who have a history of missing payments and are considered high risk.
I have over 5 years of experience in collections, specializing in resolving disputes and optimizing recovery processes.
Managed a portfolio of over 300 accounts, achieving a 95% recovery rate.
Implemented a new tracking system that reduced follow-up time by 30%.
Trained junior staff on effective negotiation techniques, improving team performance.
Successfully resolved complex disputes by collaborating with clients and...
I utilize a mix of digital marketing, relationship building, and data analysis to drive sales and enhance brand visibility.
Leverage social media platforms like LinkedIn for B2B marketing, sharing industry insights and engaging with potential clients.
Implement email marketing campaigns targeting specific customer segments, showcasing new products or promotions.
Utilize data analytics to track customer behavior and p...
An automation framework is a set of guidelines, best practices, and tools used for automated testing of software applications.
Choose a programming language for writing test scripts (e.g. Java, Python)
Select a testing tool for executing test scripts (e.g. Selenium, Appium)
Implement page object model for better code organization
Use data-driven testing for testing with multiple sets of data
Incorporate reporting tools...
All questions were 80 in which have pass marks were 50 so i was easily passed in apptitude Test exam and i get good results
ABB is a multinational corporation headquartered in Switzerland, specializing in robotics, power, heavy electrical equipment, and automation technology.
ABB stands for Asea Brown Boveri.
It is a Swedish-Swiss multinational corporation.
ABB operates mainly in robotics, power, heavy electrical equipment, and automation technology sectors.
The company was formed in 1988 through the merger of ASEA of Sweden and BBC Brown Bover...
EMI stands for Equated Monthly Installment.
EMI is a fixed amount of money paid by a borrower to a lender at a specified date each calendar month.
It is used to repay both the interest and principal each month, ensuring that the loan is paid off in full over a specified period.
EMI calculations are commonly used in loans such as home loans, car loans, and personal loans.
FD is a fixed deposit where a lump sum amount is deposited for a fixed period at a fixed interest rate. RD is a recurring deposit where a fixed amount is deposited regularly for a fixed period at a fixed interest rate.
FD requires a lump sum amount to be deposited at once, while RD requires regular fixed deposits.
FD has a fixed term for the deposit, while RD allows flexibility in the deposit term.
FD typically offers hig...
Reserve Bank of India
Reserve Bank of India
Regulates the monetary policy in India
Issues currency notes
Acts as a banker to the government
Floating rate of interest is a variable interest rate that changes periodically based on a benchmark rate.
Floating rate of interest is not fixed and can change over time.
It is typically tied to a benchmark rate, such as the prime rate or LIBOR.
The interest rate on a floating rate loan may adjust monthly, quarterly, annually, or at other intervals.
Floating rate loans are often used in financial products like adjustable-...
I have worked at ABC Company and XYZ Company in the past.
ABC Company - Managed a portfolio of high net-worth clients, exceeding sales targets by 20%.
XYZ Company - Led a team of relationship managers, resulting in a 15% increase in client retention.
I chose Piramal Finance over other companies because of their strong reputation in the industry and their commitment to innovation and growth.
Piramal Finance has a solid reputation in the financial industry for their expertise and reliability.
They offer innovative financial solutions that cater to the diverse needs of clients.
Piramal Finance is known for their strong focus on growth and development, providing ample opp...
I expect a competitive salary structure based on my experience, skills, and the market standard.
I expect a salary that reflects my level of experience and expertise in the industry.
I am looking for a compensation package that includes a base salary, bonuses, and benefits.
I would like the opportunity for salary reviews and potential for growth within the company.
I am open to negotiation based on the overall package offe...
I appeared for an interview before Mar 2020, where I was asked the following questions.
I appeared for an interview in Nov 2024.
I have over 5 years of experience in collections, specializing in resolving disputes and optimizing recovery processes.
Managed a portfolio of over 300 accounts, achieving a 95% recovery rate.
Implemented a new tracking system that reduced follow-up time by 30%.
Trained junior staff on effective negotiation techniques, improving team performance.
Successfully resolved complex disputes by collaborating with clients and unde...
BKT1, BKT2, and BKT3 are commonly used abbreviations in the credit industry to categorize the payment behavior of borrowers.
BKT1 refers to borrowers who have never missed a payment and have a good credit history.
BKT2 refers to borrowers who have missed a few payments but are still considered low risk.
BKT3 refers to borrowers who have a history of missing payments and are considered high risk.
I appeared for an interview in Apr 2025, where I was asked the following questions.
I applied via Job Portal and was interviewed in Apr 2024. There were 3 interview rounds.
Popular HTTP status codes and their meanings
200 - OK: Request succeeded
404 - Not Found: Resource not found
500 - Internal Server Error: Server error
401 - Unauthorized: Authentication required
302 - Found: Resource temporarily moved
503 - Service Unavailable: Server unavailable
I have designed reusable methods for data validation, logging, and error handling.
Created a data validation method that checks for required fields and data types
Implemented a logging method that records important events and errors
Developed an error handling method that gracefully handles exceptions and provides detailed error messages
An automation framework is a set of guidelines, best practices, and tools used for automated testing of software applications.
Choose a programming language for writing test scripts (e.g. Java, Python)
Select a testing tool for executing test scripts (e.g. Selenium, Appium)
Implement page object model for better code organization
Use data-driven testing for testing with multiple sets of data
Incorporate reporting tools for ...
I faced challenges in automating complex test scenarios, resolved by collaborating with developers and learning new tools.
Automating complex test scenarios
Collaborating with developers to understand code changes
Learning new tools and technologies to improve testing efficiency
Seeking new challenges, growth opportunities, and a better work-life balance.
Looking for a company with more innovative projects and technologies to work on
Interested in a company that values work-life balance and employee well-being
Seeking opportunities for career growth and advancement
I appeared for an interview in Mar 2025, where I was asked the following questions.
I have extensive experience in home loan processing, customer service, and financial analysis, ensuring smooth transactions for clients.
Over 5 years in the home loan industry, assisting clients with mortgage applications.
Successfully processed over 200 home loan applications, ensuring compliance with regulations.
Developed strong relationships with clients, resulting in a 95% satisfaction rate.
Conducted financial assess...
I applied via Walk-in and was interviewed before Apr 2022. There were 4 interview rounds.
I have 5 years of experience in home loan and LAP sales.
5 years of experience in selling home loans and LAP products
Strong understanding of the mortgage industry and loan processes
Proven track record of meeting and exceeding sales targets
Experience in building and maintaining relationships with clients and financial institutions
My last company's CTC was $80,000 per year.
My last company offered a competitive salary package of $80,000 per year.
The CTC included base salary, bonuses, and benefits.
I was satisfied with the compensation package at my previous company.
My hometown is a small coastal town in Southern California known for its beautiful beaches and laid-back atmosphere.
Located in Southern California
Known for its beautiful beaches
Has a laid-back atmosphere
Monthly logins are crucial for tracking user engagement and sales performance in a sales management role.
Track the number of unique logins to assess user engagement.
Analyze trends over time to identify peak login periods.
Use login data to correlate with sales performance metrics.
Example: A spike in logins may indicate successful marketing campaigns.
The question is unclear and seems to contain a typo. It may be asking about the number of DSAs (Direct Selling Agents) in a sales team.
It is important to clarify with the interviewer what they mean by 'dsa'
If they are referring to Direct Selling Agents, you can provide an estimate based on the size of the sales team
You can also mention the importance of having a sufficient number of DSAs to effectively reach customers ...
The number of Connecter is not specified in the question.
The question is unclear and lacks context.
It is important to ask for clarification or provide more information before answering.
Without additional details, it is impossible to determine the exact number of Connecter.
I applied via Campus Placement and was interviewed in Jul 2024. There were 2 interview rounds.
The questions were not really hard, you can easily crack the aptitude round.
Experienced Relationship Manager with a background in finance and a passion for building strong client relationships.
Over 5 years of experience in financial services industry
Proven track record of exceeding sales targets
Strong communication and interpersonal skills
Expertise in financial products and services
Passionate about helping clients achieve their financial goals
I have a Bachelor's degree in Business Administration and a strong interest in finance and relationship management.
Bachelor's degree in Business Administration
Strong interest in finance
Experience in relationship management
Continuing education in finance and management
Participated in finance-related workshops and seminars
I chose a job over further studies to gain practical experience and financial independence.
Prefer hands-on experience over theoretical knowledge
Opportunity to apply skills in real-world scenarios
Desire for financial independence and stability
Career advancement and growth potential in the job
I appeared for an interview in Feb 2025, where I was asked the following questions.
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The duration of Piramal Capital Housing Finance interview process can vary, but typically it takes about less than 2 weeks to complete.
based on 74 interview experiences
Difficulty level
Duration
based on 4.1k reviews
Rating in categories
Senior Relationship Manager
1.4k
salaries
| ₹2.2 L/yr - ₹5.5 L/yr |
Relationship Manager
613
salaries
| ₹1.5 L/yr - ₹5 L/yr |
Branch Sales Manager
357
salaries
| ₹4 L/yr - ₹9 L/yr |
Branch Credit Manager
334
salaries
| ₹4.1 L/yr - ₹9.5 L/yr |
Credit Manager
305
salaries
| ₹4.5 L/yr - ₹10.3 L/yr |
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