Satya MicroCapital Credit Manager-Corporate Banking Interview Questions and Answers

Q1. About the work u have done in your previous job
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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
Ans. 
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. Tell me about yourself.
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Q1. Tell me about yourself.
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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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Q1. Regarding the process of the role
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Q1. Questions regarding Credit
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Focuses on Financial Analysis, Banking Terms and basic knowledge, logical reasoning, decision making and valuations

Random topics are given. 12 mins total GD time. 8 to 10 mins for speaking of group members. 2 min for summary by one select candidate.

Q1. Whixh are the valuations methods you are aware about. How to conduct them.
Ans. 
Valuation methods include DCF, comparable company analysis, precedent transactions, and LBO analysis.
• Discounted Cash Flow (DCF) analysis involves forecasting future cash flows and discounting them back to present value.

• Comparable Company Analysis involves comparing the target company to similar publicly traded companies to determine valuation multiples.

• Precedent Transactions Analysis involves looking at past M&A transa...read more
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Q2. What is your understanding of financial statements. How are three related to each other.
Ans. 
Financial statements are documents that provide information about a company's financial performance and position.
• Financial statements include the income statement, balance sheet, and cash flow statement.

• The income statement shows a company's revenues and expenses over a period of time, resulting in net income or loss.

• The balance sheet provides a snapshot of a company's assets, liabilities, and equity at a specific poin...read more
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Q3. Tell us about yourself.
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Q4. Guesstimate based questions.
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Q5. Some more qustions on basic finance concept understanding
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Q1. Compare tata motors with mahindra basis a snapshot. Give points of comparison.
Ans. 
Tata Motors and Mahindra are two major players in the Indian automotive industry, with Tata Motors being larger in terms of revenue and market share.
• Tata Motors is a larger company in terms of revenue and market share compared to Mahindra.

• Tata Motors has a more diverse product portfolio including passenger vehicles, commercial vehicles, and electric vehicles, while Mahindra is known for its SUVs and tractors.

• Both compa...read more
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Q2. Metric understanding check based question such as ebitda/ev, pe ratio, debt to ebitda ratio, valuation methods.
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Q1. HR Round - tell me about yourself
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Q2. Are you aware of job terms and conditions
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Q3. Basic background questions for cultural fit check
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