Satya MicroCapital Credit Manager Interview Questions and Answers

Q1. Regarding the process of the role
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Q1. Questions regarding Credit
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Q1. Financials statement amalysis
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Q2. Previous experience ....................................
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Q3. All all all all all
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Q4. Ok ok ok ok ok
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Q5. Not not not not not
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Q1. Policy ,FOIR ,LTV CAM
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Q2. Underwriting legal and technical
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Q3. Pd,tele pd case appraisal
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Logically,reasoning, maths

Q1. How to underwriting the case
Ans. 
Underwriting a case involves assessing the creditworthiness of a borrower to determine the risk involved in lending to them.
• Gather all necessary financial information from the borrower, such as income, assets, debts, and credit history.

• Analyze the information to determine the borrower's ability to repay the loan and their likelihood of default.

• Consider external factors such as economic conditions and industry trends th...read more
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Q2. How to CIBIL check
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To check CIBIL score, request a report from CIBIL website or through a bank.
• Request a CIBIL report from the official CIBIL website

• Some banks offer free CIBIL score check for their customers

• Review the report for any discrepancies or errors
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Q3. How to decision making fast
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To make fast decisions, prioritize tasks, gather relevant information, set deadlines, trust your instincts, and seek input from others.
• Prioritize tasks based on urgency and importance

• Gather all relevant information quickly

• Set deadlines for decision-making to avoid procrastination

• Trust your instincts and past experiences

• Seek input from colleagues or experts for different perspectives
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Q4. How manage sales team
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Sales team can be managed by setting clear goals, providing training and support, monitoring performance, and fostering a positive team culture.
• Set clear goals and expectations for the sales team to work towards.

• Provide ongoing training and support to help team members improve their skills.

• Monitor performance regularly and provide feedback to help team members reach their targets.

• Foster a positive team culture by encou...read more
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Q1. Documentation of job
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Q2. Negotiations of salary
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Basic written test of mortgage finance

Q1. What are the number of logins and PD done by you in your previous company?
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Q2. What is delinquency ratio at your branch/location and what are the methods to control high delinquency to strengthen portfolio ?
Ans. 
Delinquency ratio at our branch is 5%. Methods to control high delinquency include regular monitoring, early intervention, and offering flexible payment options.
• Regularly monitor customer accounts for any signs of delinquency

• Implement early intervention strategies such as contacting customers as soon as a payment is missed to understand the reason and offer solutions

• Offer flexible payment options to customers facing fi...read more
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Q1. What is your last ctc?
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Q2. How much is your expectation?
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Q1. What points do you look in PD with customer on business location
Ans. 
Points to consider in PD with customer on business location
• Assess the stability and reputation of the business location

• Evaluate the accessibility and visibility of the location

• Consider the potential impact of the location on customer traffic and sales

• Review any past credit history associated with the location
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Q2. What are components for P&L and balance sheet?
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Components of P&L include revenue, expenses, and net income. Components of balance sheet include assets, liabilities, and equity.
• P&L components: revenue, expenses, net income

• Balance sheet components: assets, liabilities, equity

• Examples: Revenue - sales income, Expenses - salaries, Net income - profit, Assets - cash, Liabilities - loans, Equity - retained earnings
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Q3. How to verify salaried customer employment
Ans. 
Verify employment by requesting pay stubs, contacting HR, or using employment verification services.
• Request pay stubs from the customer to verify employment and income

• Contact the customer's HR department to confirm employment status

• Use employment verification services like The Work Number or Equifax to validate employment information
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Q1. Preferred Location
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I am open to any location that offers growth opportunities and a good work-life balance.
• Open to relocation for the right opportunity

• Prefer locations with good work-life balance

• Interested in areas with potential for career growth
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Q2. Why you want to work with Aditya Birla Company ? What do you know about company?
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Q1. Question on work done in last organisation
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Q2. Question relating to Cibil report
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Q1. Experience in the same field was asked
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Q2. Expectations on CTC and work profile was also discussed.
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Q3. Technical question related to financial analysis basis one case sturdy was asked.
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