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I applied via Referral and was interviewed before Nov 2020. There were 3 interview rounds.
I applied via Campus Placement and was interviewed before May 2021. There was 1 interview round.
I appeared for an interview before Apr 2016.
Important clauses in 3CD for loan sanctioning
Clause 4 - Purpose of loan
Clause 5 - Amount of loan
Clause 6 - Repayment terms
Clause 7 - Security for loan
Clause 8 - Interest rate
Clause 9 - Default and consequences
Profit and loss ratios are financial metrics used to assess the profitability of a company.
Profit ratio measures the percentage of profit earned on sales.
Gross profit ratio is calculated by dividing gross profit by net sales.
Net profit ratio indicates the percentage of net profit earned on sales.
Operating profit ratio measures the profitability of core operations.
Return on investment (ROI) is a common profitability rat
Concurrent audit is conducted during the course of business operations, while statutory audit is conducted at the end of the financial year.
Concurrent audit is performed concurrently with the operations of the organization.
Statutory audit is conducted to ensure compliance with legal and regulatory requirements.
Concurrent audit helps in detecting and preventing frauds and errors in real-time.
Statutory audit provides an ...
No, someone earning less than EMI should not take a loan.
Taking a loan when earning less than the EMI can lead to financial strain and difficulty in repayment.
It is important to have a stable income that can comfortably cover the loan repayment.
If someone is already struggling to meet their financial obligations, taking on additional debt can worsen their situation.
It is advisable to explore alternative options such as...
I applied via Referral and was interviewed in Dec 2020. There was 1 interview round.
I applied via Naukri.com and was interviewed in Nov 2019. There were 3 interview rounds.
I can process around 20-25 cases on a daily basis depending on the complexity of the cases.
The number of cases processed depends on the complexity of the cases.
On average, I can process around 20-25 cases per day.
I prioritize cases based on their urgency and importance.
Our approval rate is 85% and delinquency rate is 5% for the current product.
Our approval rate is higher than industry average.
We have strict credit checks in place to maintain low delinquency rate.
We continuously monitor and analyze our approval and delinquency rates to make necessary adjustments.
For example, we recently increased our credit score requirement to reduce delinquency rate.
I applied via LinkedIn and was interviewed before Dec 2020. There was 1 interview round.
I would assess the applicant's creditworthiness based on their credit history, income, and debt-to-income ratio.
Check the applicant's credit score and credit report
Verify their income and employment status
Calculate their debt-to-income ratio
Consider any past delinquencies or bankruptcies
Assess the purpose of the loan and the likelihood of repayment
Review any collateral offered as security
I applied via Recruitment Consulltant and was interviewed in Aug 2021. There was 1 interview round.
Assistant Manager
112
salaries
| ₹3.4 L/yr - ₹11 L/yr |
Manager
62
salaries
| ₹6 L/yr - ₹15 L/yr |
Assistant Vice President
57
salaries
| ₹10.6 L/yr - ₹25 L/yr |
Vice President
47
salaries
| ₹18 L/yr - ₹31 L/yr |
Senior Deputy Manager
34
salaries
| ₹7.4 L/yr - ₹21.5 L/yr |
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