Save Financial Services Credit Manager Interview Questions and Answers

Q1. About past experience and education
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Q1. Q.1 What Is CTC Before Company Now How Much your Are Expecting.? Q.2 What Are Different Types of Credit That Bank Offers.? Q.3 What Is Ideal Debt Equity Ratio? What Is Credit Appraisal.? Q.4 What Is Un...read more
Ans. Ans.1 Before I got 2.64 Chang Now I Am Expecting 3.36 to 3.50 Lacs Per Annum. Ans.2 Bank Offer Various Types of Credit Including Personal Loan, Credit Card , Mortgages , And Business Loas. Ans.3 Ideal Debt Equity Ratio Varies By Industry And Company But Generally Ranges 0.5 to 2 Debt. And 4.Underwriting is The process Through Individual or Now Individual Financial Risk And Risk Typically Involves Loans. Ans.5 Key Ski...read more
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Q2. What is Cibil Fullform?
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CIBIL stands for Credit Information Bureau (India) Limited.
• CIBIL is a credit information company in India that collects and maintains records of individuals' and companies' credit information.

• It provides credit scores and reports to lenders to help them evaluate the creditworthiness of potential borrowers.

• CIBIL plays a crucial role in the loan approval process by providing insights into an individual's credit history a
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Q1. Basic question related to resume
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Q1. Interviewed by RCM
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Q2. Questions were majorly related to financial, products and mortgage
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Q1. Interviewed by ZCM
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Q2. Questions were related to Mortgages, Legal, Margin, LTV processing and team handling
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Q1. Last round from senior HR, it was personality or behavioural test or kind of psychological. But was very interesting
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An online assesment will be taken wherein scenario based MCQ will be available

Q1. Brief introduction
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Q2. Reasons for switching
Ans. 
Seeking new challenges and growth opportunities in a different company.
• Desire for career advancement

• Interest in exploring new industries or sectors

• Seeking better work-life balance

• Company restructuring or downsizing

• Relocation to a different city or country
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Q3. Current and expected ctc
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Q4. Preferred job location
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Q1. Questions related to your domain experience
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Q2. Application know how
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Q3. Improvement Ideas and projects shared in the previous organisations
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Q4. Why do you want to switch
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Q1. Reason for switching
Ans. 
Seeking new challenges and growth opportunities in a larger organization.
• Desire for career advancement

• Opportunity to work with a larger team

• Seeking new challenges

• Interest in exploring different industries
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Q2. Appreciations recieved if any
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Received multiple appreciations from clients for resolving credit issues promptly and effectively.
• Implemented new credit evaluation process resulting in faster approvals

• Negotiated payment plans with delinquent customers to prevent further credit issues

• Provided training to team members on credit management best practices

• Received 'Employee of the Month' award for exceptional performance in credit management
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Q3. Scenario based questions focussed on how you would act in a certain situation
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Q1. Can you provide an introduction about yourself and your work experience?
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About the finance design case

Numeric ability on financial filed

Q1. About underwriting norms and financial ratio related questions, legal technical related questions
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Q1. Basics norms of work profile & why change the job change...?
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Case study preparation on any listed company of your choice

Q1. Questions on case study
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Q2. Ratios and their importance
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Ratios are key financial metrics used to evaluate a company's performance and financial health.
• Ratios help in analyzing the efficiency, profitability, and liquidity of a company.

• Common ratios include debt-to-equity ratio, current ratio, and return on equity.

• They provide insights into how well a company is utilizing its resources and managing its finances.

• Ratios are compared to industry benchmarks or historical data to ...read more
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Q1. Negotiation on salary
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