Roha Housing Finance Credit Manager Interview Questions and Answers

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Q1. Salary expectations job nature
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Q2. Experience banking and nbfc Experience preferred
Ans. 
Yes, I have experience in both banking and NBFC sectors.
• I have worked as a Branch Manager in a leading bank for 5 years.

• I have also worked as a Relationship Manager in an NBFC for 2 years.

• During my tenure, I have gained expertise in managing customer relationships, loan processing, and credit analysis.

• I have a thorough understanding of the regulatory framework governing both banking and NBFC sectors.
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Q1. How much experience in nbfc
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Q2. Please interduce your self
Ans. My self gangadhar sahoo.I lives in puri and my educational Qualification is BA pass with economic honour.
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Q1. Can you tell me about yourself?
Ans. 
Experienced branch manager with a proven track record of driving sales and leading teams to success.
• Over 10 years of experience in banking and financial services

• Successfully managed a team of 20+ employees at previous branch

• Implemented strategies that increased branch revenue by 15% in one year

• Strong leadership and communication skills

• Passionate about developing employees and fostering a positive work environment
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Q2. What were your achievements in your previous company?
Ans. 
I successfully led a team to exceed sales targets by 20% and implemented new strategies to improve customer satisfaction.
• Exceeded sales targets by 20%

• Implemented new strategies to improve customer satisfaction

• Led a team to success
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Q1. What is your name and give us a snapshot of career
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Q1. What are the financial parameters check while file approval for sme.
Ans. 
Financial parameters checked for SME file approval include credit score, cash flow, collateral, and industry risk.
• Credit score of the business owner

• Cash flow analysis to ensure ability to repay

• Collateral value to mitigate risk

• Industry risk assessment for sector-specific challenges
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Q2. What is key financial ratio
Ans. 
Key financial ratios are metrics used to evaluate a company's financial performance and health.
• Key financial ratios include profitability ratios, liquidity ratios, leverage ratios, and efficiency ratios.

• Examples of key financial ratios include return on assets (ROA), current ratio, debt-to-equity ratio, and inventory turnover ratio.

• These ratios help investors, creditors, and management assess the financial strength and
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Q3. Your knowledge about your existence company
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Q1. Financial understanding
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Q1. People management related
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Q1. Scenario based questions on banking and microfinance
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