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PNB Housing Finance Area Credit Manager Interview Questions and Answers

Updated 5 Dec 2024

PNB Housing Finance Area Credit Manager Interview Experiences

2 interviews found

Interview experience
4
Good
Difficulty level
-
Process Duration
2-4 weeks
Result
-

I applied via Recruitment Consulltant and was interviewed in Jun 2024. There was 1 interview round.

Round 1 - One-on-one 

(2 Questions)

  • Q1. How will you assess the customer with low cibil score
  • Ans. 

    Assessing customers with low cibil score involves analyzing their credit history, financial stability, and potential risk factors.

    • Review the customer's credit report to understand the reasons for the low CIBIL score

    • Assess the customer's current financial situation, including income, expenses, and existing debts

    • Consider any extenuating circumstances that may have led to the low CIBIL score, such as medical emergencies o...

  • Answered by AI
  • Q2. Volume of files handled and approval to login ratio
  • Ans. 

    The volume of files handled and approval to login ratio is a key metric to assess efficiency and productivity.

    • The volume of files handled refers to the number of credit applications or cases processed by the credit manager within a specific time frame.

    • Approval to login ratio indicates the percentage of credit applications approved compared to the total number of applications logged in by the credit manager.

    • A high volum...

  • Answered by AI

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

Interview Questionnaire 

1 Question

  • Q1. Alll Mortgage Credit , Disbursement value , avg ticket size ,

Interview Preparation Tips

Interview preparation tips for other job seekers - Jst if you are versed in mortgage you will easily crack

Area Credit Manager Interview Questions Asked at Other Companies

Q1. What are the financial parameters check while file approval for s ... read more
Q2. What's is the profit margin trading ,service ,manufacturing unit
Q3. How will you assess the customer with low cibil score
Q4. Bylaws of local mortgages, Equitable Mortgage and registered mort ... read more
Q5. Volume of files handled and approval to login ratio

Interview questions from similar companies

Interview Preparation Tips

Round: Resume Shortlist
Experience: Hi..
It is magical movment for me when i got call from the HR of HDFC bank. I am just uploading my resume on the banks carrier & after a month or 2 months they called me for the interview.
Tips: Many of us upload their resume on all job sites in addition to that also upload your resume on the respective companies carrier site, if they found your resume as suitable then they definitely contact you.

I was interviewed before May 2016.

Interview Preparation Tips

Round: Resume Shortlist
Tips: Short and concise

Round: Test
Tips: Basic concept must be cleared
Total Questions: 50

Round: HR Interview
Tips: Fundamental and your goals towards ur life.. should be clear.

I applied via Referral and was interviewed before Apr 2020. There were 5 interview rounds.

Interview Questionnaire 

1 Question

  • Q1. About yourself and prior academics

Interview Preparation Tips

Interview preparation tips for other job seekers - Never say i can strech always say i can do strech one time in a week

I applied via Naukri.com and was interviewed in Oct 2020. There was 1 interview round.

Interview Questionnaire 

1 Question

  • Q1. What is the name of hdfc bank CEO???

Interview Preparation Tips

Interview preparation tips for other job seekers - Please read all the bank information when you go to the interview.

I applied via Campus Placement and was interviewed before Sep 2020. There was 1 interview round.

Interview Questionnaire 

3 Questions

  • Q1. What is sales?
  • Ans. 

    Sales is the process of exchanging goods or services for money or other valuable consideration.

    • Sales involves identifying potential customers and persuading them to buy a product or service.

    • It includes activities such as prospecting, lead generation, qualifying leads, making sales presentations, negotiating and closing deals.

    • Sales can be done through various channels such as direct selling, telemarketing, online sales,...

  • Answered by AI
  • Q2. Are u good at sales?
  • Q3. Can u sale me anything ?

Interview Preparation Tips

Interview preparation tips for other job seekers - Convincing someone for something is sales .

I applied via Referral and was interviewed before Mar 2021. There were 4 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 Resume tips
Round 2 - Aptitude Test 

Mathematics reasoning English test.

Round 3 - One-on-one 

(1 Question)

  • Q1. Tell me about your self. If experience candidate ask about previous job Ask about our organisation
Round 4 - HR 

(1 Question)

  • Q1. Why should we hire you?

Interview Preparation Tips

Interview preparation tips for other job seekers - Be confident be happy be professional

I applied via Recruitment Consultant and was interviewed in Oct 2018. There were 4 interview rounds.

Interview Questionnaire 

4 Questions

  • Q1. What are the main objective for HDFC bank.
  • Ans. 

    The main objectives of HDFC bank are to provide excellent customer service, achieve sustainable growth, and maximize shareholder value.

    • Providing excellent customer service

    • Achieving sustainable growth

    • Maximizing shareholder value

  • Answered by AI
  • Q2. Definitions for bank in genera.
  • Ans. 

    A bank is a financial institution that accepts deposits from the public and creates credit.

    • Banks provide various financial services such as loans, mortgages, and investment accounts.

    • They play a crucial role in the economy by facilitating the flow of money and capital.

    • Banks are regulated by government authorities to ensure stability and protect depositors' funds.

  • Answered by AI
  • Q3. How u sell Banking product without knowing banking profile.i am from engineering field tell us how u define ur self.
  • Q4. Aim for HDFC bank.

Interview Preparation Tips

Round: Test
Experience: AMCAT.

General Tips: See Basically every field are open for use our qualification and skill.we always ready to put high effort in any field and at our presense the field should b profitable if this will happen definitely we got job satisfaction.
Skills: Communication, Body Language, Problem Solving, Analytical Skills, Leadership, Presentation Skills, Time Management, Decision Making Skills
Duration: 1-3 Months

I applied via Referral and was interviewed in Jun 2019. There were 5 interview rounds.

Interview Questionnaire 

2 Questions

  • Q1. What did your last experience with previous employer
  • Q2. What work I have to do and which location

Interview Preparation Tips

Interview preparation tips for other job seekers - anyboddy please be formal at the time of interview and some basic information should be mandatory about the topic of which vertical will tou have to join and then should be prepaiyer about himself
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PNB Housing Finance Interview FAQs

How many rounds are there in PNB Housing Finance Area Credit Manager interview?
PNB Housing Finance interview process usually has 1 rounds. The most common rounds in the PNB Housing Finance interview process are One-on-one Round.
How to prepare for PNB Housing Finance Area Credit Manager 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 PNB Housing Finance. The most common topics and skills that interviewers at PNB Housing Finance expect are Underwriting, Credit Management, Loans, Management and People Development.
What are the top questions asked in PNB Housing Finance Area Credit Manager interview?

Some of the top questions asked at the PNB Housing Finance Area Credit Manager interview -

  1. How will you assess the customer with low cibil sc...read more
  2. Volume of files handled and approval to login ra...read more
  3. Alll Mortgage Credit , Disbursement value , avg ticket size...read more

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PNB Housing Finance Area Credit Manager Interview Process

based on 1 interview

Interview experience

4
  
Good
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PNB Housing Finance Area Credit Manager Salary
based on 51 salaries
₹9 L/yr - ₹22 L/yr
29% more than the average Area Credit Manager Salary in India
View more details

PNB Housing Finance Area Credit Manager Reviews and Ratings

based on 8 reviews

3.9/5

Rating in categories

2.8

Skill development

3.0

Work-life balance

3.6

Salary

3.5

Job security

3.3

Company culture

3.1

Promotions

2.9

Work satisfaction

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