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I applied via LinkedIn and was interviewed before Mar 2023. There was 1 interview round.
I applied via Referral and was interviewed in Mar 2023. There were 3 interview rounds.
Top trending discussions
I was interviewed in Aug 2024.
During the audit, major findings included high levels of overdue accounts, discrepancies in financial records, and inadequate credit risk assessment procedures.
High levels of overdue accounts were identified, indicating potential cash flow issues.
Discrepancies in financial records were found, suggesting errors or fraud.
Inadequate credit risk assessment procedures were noted, increasing the company's exposure to bad deb
Fraud investigations involve gathering evidence, analyzing data, interviewing witnesses, and collaborating with law enforcement.
Start by gathering all relevant documents and data related to the suspected fraud.
Conduct interviews with employees, customers, and other relevant parties to gather information and potential leads.
Analyze financial records, transactions, and other evidence to identify any irregularities or sus...
I am seeking an individual role to take on more responsibility and challenge myself to grow professionally.
Seeking new challenges and opportunities for growth
Desire for more responsibility and autonomy
Ability to showcase individual skills and contributions
Personal career development goals
I manage fraud investigations by conducting thorough analysis, utilizing fraud detection tools, collaborating with law enforcement, and implementing preventative measures.
Conduct thorough analysis of suspicious activities and transactions
Utilize fraud detection tools and software to identify potential fraudulent behavior
Collaborate with law enforcement agencies and regulatory bodies to investigate and prosecute fraudst...
I plan to manage the entire Madhya Pradesh state by implementing efficient credit policies, building strong relationships with clients and stakeholders, and closely monitoring credit risk.
Developing and implementing credit policies and procedures to ensure timely and accurate credit decisions
Building strong relationships with clients, vendors, and other stakeholders to facilitate smooth credit transactions
Closely monit...
Reasoning, quantitative skills, and English language proficiency.
I was interviewed in Jul 2024.
Reasoning, logical, and mathematical skills.
Funding an applicant involves evaluating their creditworthiness and determining the appropriate amount and terms of the loan.
Evaluate the applicant's credit history, income, and debt-to-income ratio
Determine the appropriate loan amount based on the applicant's financial situation
Decide on the terms of the loan including interest rate, repayment period, and collateral requirements
Obtain necessary documentation such as p...
I applied via Referral and was interviewed in Feb 2024. There was 1 interview round.
LTV stands for Lifetime Value, which is the predicted net profit attributed to the entire future relationship with a customer.
LTV helps businesses understand the long-term value of a customer and make decisions on customer acquisition and retention strategies.
It takes into account factors such as customer acquisition cost, average purchase value, and customer lifespan.
For example, if a customer typically makes a $100 p...
DSCR stands for Debt Service Coverage Ratio. To check loan eligibility for a self employed non professional, you would typically calculate their DSCR.
DSCR is a financial ratio that measures a company's ability to cover its debt obligations with its operating income.
To calculate DSCR, you divide the company's net operating income by its total debt service.
A DSCR of 1 or higher indicates that the company generates enough...
CIBIL is a credit information company that provides credit scores based on an individual's credit history.
CIBIL stands for Credit Information Bureau (India) Limited.
It is one of the four credit information companies in India.
CIBIL collects credit information from banks and financial institutions to generate credit reports and scores.
Factors checked include payment history, credit utilization, length of credit history, ...
Eligibility for a salaried employee is checked by verifying their employment status, income level, and credit history.
Verify employment status through pay stubs or employment verification letter
Check income level through recent pay stubs or tax returns
Review credit history through credit reports from bureaus like Equifax or TransUnion
Repo rate is the rate at which the central bank lends money to commercial banks, while reverse repo rate is the rate at which the central bank borrows money from commercial banks.
Repo rate is used by the central bank to control inflation and liquidity in the economy.
Reverse repo rate is used to absorb excess liquidity in the market.
Repo rate is higher than the reverse repo rate.
Example: If the repo rate is 5% and the r...
KYC documents are documents required for verifying the identity of customers. PAN card is a KYC document.
KYC documents are Know Your Customer documents used for verifying the identity of customers.
Examples of KYC documents include Aadhaar card, passport, driver's license, and voter ID card.
PAN card is also considered a KYC document as it contains details such as name, date of birth, and photograph of the individual.
During a Personal Discussion with a potential customer, a Credit Manager will discuss the customer's financial situation, credit history, repayment capabilities, and any potential risks. They will observe the customer's communication skills, honesty, and willingness to provide necessary information.
Discuss the customer's financial situation and income sources.
Review the customer's credit history and repayment track rec...
posted on 15 Aug 2024
Credit related questions
Market strategy business development
Business penetration Maintain
I applied via Naukri.com and was interviewed in Jan 2023. There were 2 interview rounds.
Analyzing a balance sheet involves examining assets, liabilities, and equity to determine financial health.
Start by calculating the current ratio to assess liquidity
Examine the debt-to-equity ratio to evaluate leverage
Analyze the inventory turnover ratio to assess efficiency
Look at the return on equity to evaluate profitability
Compare the balance sheet to previous periods and industry benchmarks
Consider any off-balance...
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Deputy Manager
1.5k
salaries
| ₹2.6 L/yr - ₹8 L/yr |
Assistant Manager
1.4k
salaries
| ₹1.8 L/yr - ₹7 L/yr |
Relationship Manager
1.1k
salaries
| ₹1.7 L/yr - ₹7.8 L/yr |
Senior Manager
796
salaries
| ₹6 L/yr - ₹20 L/yr |
Manager
759
salaries
| ₹4.2 L/yr - ₹12.7 L/yr |
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