Satya MicroCapital Credit Officer Interview Questions and Answers

Q1. Policy & product
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Q2. Personal & previous experience
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Q3. Credit Underwriting and Products knowledge
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Q4. NA ALL Details mentioned
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Q1. How to location
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Q2. Sir this work from home
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Q3. Payment is hand sir
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Q4. Sir how to my work
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Q5. Sir good company this very nice
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Q1. Senseless question required aprrsom to handle political party relative
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Q2. What in cv not seen by interviewer n asking
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Q3. Asking to source to a credit guy
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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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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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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. Regarding the process of the role
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Q1. Questions regarding Credit
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