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I applied via Recruitment Consulltant and was interviewed in Mar 2023. There were 3 interview rounds.
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I applied via Naukri.com and was interviewed in Oct 2024. There was 1 interview round.
Working capital is the difference between a company's current assets and current liabilities.
Working capital is essential for a company's day-to-day operations.
It indicates the company's ability to meet its short-term financial obligations.
Formula: Working Capital = Current Assets - Current Liabilities
Examples: Cash, accounts receivable, inventory are current assets. Accounts payable, short-term loans are current liabi
DSCR Ratio is Debt Service Coverage Ratio, a financial metric used to measure a company's ability to cover its debt obligations.
DSCR Ratio is calculated by dividing a company's operating income by its total debt service payments.
A DSCR Ratio of 1 or higher indicates that a company is generating enough income to cover its debt payments.
Lenders typically look for a DSCR Ratio of 1.25 or higher when evaluating a company's
Reasoning, quantitative skills, and English language proficiency.
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...
I was interviewed before Nov 2018.
I applied via Naukri.com and was interviewed in Nov 2023. There were 3 interview rounds.
Statistics tally Excel
I applied via Campus Placement and was interviewed in Mar 2023. There were 4 interview rounds.
They test with some aptitude reasoning, English grammar and GK.
Writing skills test topic on online classes Vs offline classes .The marks obtained will be added to the final interview .
Functions of banking include accepting deposits, providing loans, facilitating payments, and offering financial services.
Accepting deposits from customers
Providing loans to individuals and businesses
Facilitating payments through various channels like checks, online transfers, and cards
Offering financial services such as investment management, insurance, and wealth management
Acting as intermediaries between borrowers an
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Deputy Manager
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Assistant Manager
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HDFC Bank
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