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Repco Home Finance Credit Risk Analyst Interview Questions and Answers

Updated 7 Jun 2021

Repco Home Finance Credit Risk Analyst Interview Experiences

1 interview found

I applied via Company Website and was interviewed in Dec 2020. There were 4 interview rounds.

Interview Questionnaire 

1 Question

  • Q1. Cibil Cersai PL and assets liabilities

Interview Preparation Tips

Interview preparation tips for other job seekers - Know about your internal.skills

Interview questions from similar companies

Interview experience
4
Good
Difficulty level
-
Process Duration
-
Result
-
Round 1 - Technical 

(2 Questions)

  • Q1. What is your previous work process.
  • Q2. What is the maximum limit of loan you deals with.
  • Ans. 

    As a Credit Risk Analyst, I typically deal with loan limits ranging from $10,000 to $1,000,000 depending on the client's creditworthiness.

    • Loan limits can vary based on the client's credit score, income, and financial history.

    • I have experience analyzing and approving loans ranging from small personal loans to large commercial loans.

    • The maximum loan limit I have dealt with is $1,000,000 for a commercial real estate proje...

  • Answered by AI
Interview experience
5
Excellent
Difficulty level
Moderate
Process Duration
Less than 2 weeks
Result
-

I applied via Referral and was interviewed before Sep 2023. There was 1 interview round.

Round 1 - Technical 

(2 Questions)

  • Q1. What do you know about Shriram Finance
  • Ans. 

    Shriram Finance is a leading non-banking financial company in India, specializing in vehicle financing.

    • Established in 1974

    • Offers a wide range of financial products including loans for commercial vehicles, passenger vehicles, and construction equipment

    • Has a strong presence in rural and semi-urban areas

    • Part of the Shriram Group, a prominent conglomerate in India

  • Answered by AI
  • Q2. What is your basic understanding of Credit Analyst
  • Ans. 

    Credit Analyst assesses the creditworthiness of individuals or companies by analyzing financial data and determining the likelihood of repayment.

    • Evaluate financial data such as income, assets, debts, and credit history

    • Assess risk factors and determine credit ratings

    • Make recommendations on credit limits and terms

    • Monitor and review credit accounts for potential risks

    • Communicate findings and recommendations to management

  • Answered by AI

Interview Questionnaire 

2 Questions

  • Q1. What is important to increase the business ?
  • Ans. 

    To increase business, it is important to focus on customer satisfaction, marketing strategies, and employee training.

    • Prioritize customer satisfaction by providing excellent service and addressing their needs

    • Implement effective marketing strategies to attract new customers and retain existing ones

    • Invest in employee training and development to enhance productivity and customer experience

    • Analyze market trends and competit...

  • Answered by AI
  • Q2. How much achievement will you give to the company?

Interview Preparation Tips

Interview preparation tips for other job seekers - Don't be panic by the questions of the requiter, always be confident and give proper and clear answer. Always be loyal with your profession and boss, every person teach us a lesson which called job experience.

Interview Questionnaire 

5 Questions

  • Q1. Hom Many time Earn Incentive???
  • Ans. 

    The frequency of earning incentives depends on various factors such as performance, targets, and company policies.

    • The frequency of earning incentives may vary from company to company.

    • Incentives are often tied to achieving specific targets or goals.

    • Some companies may offer incentives on a monthly, quarterly, or annual basis.

    • Incentives can also be earned based on individual or team performance.

    • The amount of incentive ear...

  • Answered by AI
  • Q2. Why you are Change Job??
  • Ans. 

    Seeking new challenges and opportunities for growth.

    • Looking for a new challenge to expand my skills and knowledge

    • Seeking better career advancement opportunities

    • Wanting to work in a more innovative and dynamic environment

  • Answered by AI
  • Q3. Career Growth
  • Q4. How many years Experience in Fiancne Sector??
  • Q5. 9 years

Interview Questionnaire 

1 Question

  • Q1. Reason for job, difference between product & expected ctc
  • Ans. 

    The reason for applying for the Branch Manager position is to utilize my leadership skills and experience in managing a team and driving business growth.

    • I have a strong passion for leading and developing teams, and I believe that the Branch Manager role will provide me with the opportunity to do so.

    • I have a proven track record of successfully managing teams and achieving sales targets in my previous roles.

    • I am excited ...

  • Answered by AI

Interview Preparation Tips

Round: Resume Shortlist
Experience: experience

I applied via Referral and was interviewed before Feb 2020. There was 1 interview round.

Interview Questionnaire 

2 Questions

  • Q1. Knowledge about team management
  • Q2. About gold loan

Interview Preparation Tips

Interview preparation tips for other job seekers - take some information about company product and specially gold loan

I applied via Naukri.com and was interviewed before Oct 2019. There were 6 interview rounds.

Interview Questionnaire 

4 Questions

  • Q1. Can you do gold valuation?
  • Ans. 

    Yes, I have experience in gold valuation.

    • I have completed a course in gold valuation and have experience in assessing the purity and value of gold.

    • I am familiar with the different methods of gold valuation such as acid test, XRF analysis, and fire assay.

    • In my previous role, I have conducted gold valuation for customers and provided them with accurate assessments.

    • I keep myself updated with the current market trends and ...

  • Answered by AI
  • Q2. Which carat can we accept for gold loan?
  • Ans. 

    We can accept gold loans of any carat.

    • We accept gold loans of all carats, including 24 carat, 22 carat, 18 carat, etc.

    • The carat of gold determines its purity, with 24 carat being the purest form.

    • Different carats of gold have different levels of purity and value.

    • We assess the value of the gold based on its carat and weight.

    • Customers can avail gold loans regardless of the carat of their gold.

  • Answered by AI
  • Q3. Do you know hallmarks?
  • Ans. 

    Yes, hallmarks are distinctive characteristics or features that are used to identify or recognize something.

    • Hallmarks are often used in the context of identifying or recognizing the quality, authenticity, or origin of a product or item.

    • In the jewelry industry, hallmarks are small marks or stamps on precious metal items that indicate the metal's purity or quality.

    • In the legal field, hallmarks can refer to significant or...

  • Answered by AI
  • Q4. How will you do team management for gold loan marketing?
  • Ans. 

    I will ensure effective communication, set clear goals, provide training and support, and recognize and reward achievements.

    • Regular team meetings to discuss progress and challenges

    • Setting individual and team targets and monitoring progress

    • Providing training and support to team members to improve their skills

    • Recognizing and rewarding achievements to motivate the team

    • Encouraging teamwork and collaboration among team memb...

  • Answered by AI

Interview Preparation Tips

Interview preparation tips for other job seekers - Knowledge needed about gold loan and process

I applied via Referral and was interviewed before Dec 2019. There was 1 interview round.

Interview Questionnaire 

1 Question

  • Q1. How to canvas gold loans and other products
  • Ans. 

    To canvas gold loans and other products, we need to identify potential customers and offer them personalized solutions.

    • Identify potential customers through market research and customer profiling

    • Offer personalized solutions based on their needs and preferences

    • Leverage existing customer base for referrals and word-of-mouth marketing

    • Use digital marketing channels to reach a wider audience

    • Train and motivate sales team to e...

  • Answered by AI

Interview Preparation Tips

Interview preparation tips for other job seekers - Good

I applied via Referral and was interviewed before Apr 2020. There was 1 interview round.

Interview Questionnaire 

4 Questions

  • Q1. How are your work nature?
  • Ans. 

    My work nature is highly organized, detail-oriented, and focused on achieving goals.

    • I am highly organized and prioritize tasks effectively to ensure smooth operations.

    • I pay attention to detail and ensure accuracy in all aspects of my work.

    • I am goal-oriented and strive to achieve targets and exceed expectations.

    • I am proactive and take initiative to identify and resolve issues before they escalate.

    • I am adaptable and able...

  • Answered by AI
  • Q2. What's is work experience?
  • Ans. 

    Work experience refers to the practical knowledge and skills gained through employment or professional activities.

    • Work experience is the accumulation of skills, knowledge, and expertise acquired through employment or professional engagements.

    • It includes both paid and unpaid work, internships, volunteer work, and any other relevant activities.

    • Work experience helps individuals develop industry-specific skills, adaptabili...

  • Answered by AI
  • Q3. How is target?
  • Ans. 

    The target is achievable with proper planning and execution.

    • The target is challenging but realistic.

    • We have a clear plan in place to achieve the target.

    • Regular monitoring and course correction will ensure we stay on track.

    • We have a motivated team that is committed to achieving the target.

    • Examples: Last quarter, we exceeded our target by 10%. This quarter, we are on track to meet our target by the end of the month.

  • Answered by AI
  • Q4. What's awards and rewarding?
  • Ans. 

    Awards and rewarding are forms of recognition and incentives given to individuals or organizations for their achievements or contributions.

    • Awards can be in the form of trophies, certificates, or monetary prizes.

    • Rewarding can include bonuses, promotions, or other perks.

    • They motivate and encourage individuals to perform better and achieve goals.

    • Awards and rewarding can be given in various fields such as sports, academics...

  • Answered by AI

Interview Preparation Tips

Interview preparation tips for other job seekers - This interview was a technical one but was majorly a stress test. It lasted for about 1 hour 10 minutes. The interviewer wanted to test both my knowledge and communication skills. Most of the questions asked to me were related to my B.Tech curriculum i.e. computer science related topics. He stressed a lot on the basics related to my project topic. Luckily I was able to answer most of the questions correctly. I tried to answer each question with examples and also used props on the table (like pens, paperweights, pen stands etc.) to explain my theories. It was my first offcampus interview, and I think I did pretty well for a fresher. You need to stay calm and should apply presence of mind. Please go through the job description thoroughly word-by-word and recheck your resume to ensure that you are a best-fit for the position.

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