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Spandana Sphoorty Financial
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Spandana Sphoorty Financial Credit Officer Interview Questions and Answers
Spandana Sphoorty Financial Credit Officer Interview Experiences
2 interviews found
T RAGHAVENDRA
I applied via Walk-in and was interviewed before Oct 2023. There was 1 interview round.
(5 Questions)
- Q1. Good awesome Awareness
- Q2. Lastly Punch in Option Process
- Q3. Lastly personmet
- Q4. Feeld working process Complete awareness
- Q5. Collection working process Complete awareness
Interview Preparation Tips
I applied via Recruitment Consultant and was interviewed before Jun 2020. There were 3 interview rounds.
Interview Questionnaire
1 Question
- Q1. Education and experience and pursonal detel
Interview Preparation Tips
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I applied via Referral and was interviewed in Jul 2021. There was 1 interview round.
Interview Questionnaire
5 Questions
- Q1. Self introduction
- Q2. Typing
- Q3. English knowledge
- Q4. Computer knowledge
- Q5. House address
Interview Preparation Tips
I applied via Referral and was interviewed before Mar 2020. There was 1 interview round.
Interview Questionnaire
4 Questions
- Q1. About financial statements analysis.
- Q2. Importance of critical thinking process in unsecured lending.
- Ans.
Critical thinking is crucial in unsecured lending as it helps in assessing the borrower's creditworthiness and mitigating risks.
Critical thinking helps in analyzing the borrower's financial history and identifying any red flags.
It enables the credit officer to make informed decisions based on the borrower's creditworthiness and ability to repay the loan.
It helps in identifying potential risks and developing strategies ...
- Q3. What are the mandatory documents for Unsecured and secured lending?
- Ans.
Mandatory documents for unsecured and secured lending.
For unsecured lending, mandatory documents include identity proof, address proof, income proof, bank statements, and credit score.
For secured lending, mandatory documents include property documents, identity proof, address proof, income proof, bank statements, and credit score.
Additional documents may be required based on the type of loan and lender's policies.
Docum...
- Q4. What are the types of property documents in Deeds?
- Ans.
There are various types of property documents in Deeds, including title deeds, sale deeds, gift deeds, mortgage deeds, lease deeds, and power of attorney deeds.
Title deeds establish ownership of the property.
Sale deeds transfer ownership from the seller to the buyer.
Gift deeds transfer ownership as a gift.
Mortgage deeds are used to secure a loan against the property.
Lease deeds establish a lease agreement between the o...
(1 Question)
- Q1. What is group loans
- Ans.
Group loans are loans provided to a group of individuals who are jointly responsible for repayment.
Group loans are typically provided to a group of individuals who know each other and are willing to support each other in repayment.
Each member of the group is responsible for the repayment of the loan, and if one member defaults, the others are expected to cover the payment.
Group loans are commonly used in microfinance i...
Interview Preparation Tips
Selected
I applied via Naukri.com and was interviewed in Nov 2024. There was 1 interview round.
(2 Questions)
- Q1. Tell me about your self
- Q2. Credit officer role in secured and unsecured landing business
Interview Preparation Tips
Selected
I applied via Referral and was interviewed in Oct 2024. There was 1 interview round.
(2 Questions)
- Q1. Technical related questions
- Q2. Product related questions
Interview Preparation Tips
(2 Questions)
- Q1. Work experience discussion
- Q2. Salary exceptions
Working natur and how to do the work operations and work policy and process
Selected
I applied via Referral and was interviewed in May 2023. There were 2 interview rounds.
(2 Questions)
- Q1. What is FOIR meaning
- Ans.
FOIR stands for Fixed Obligation to Income Ratio, a measure used by lenders to assess a borrower's ability to repay a loan.
FOIR is calculated by dividing the total fixed obligations of a borrower by their gross monthly income.
Lenders use FOIR to determine if a borrower can afford the loan repayment based on their income.
For example, if a borrower has fixed obligations of $500 and a gross monthly income of $2000, the FO
- Q2. Fixed obligation income ratio
Interview Preparation Tips
I applied via Walk-in and was interviewed in Jun 2024. There were 2 interview rounds.
(2 Questions)
- Q1. Credit officer skills
- Q2. And about the project
(2 Questions)
- Q1. About location where u want to choose
- Q2. Self introduction
Interview Preparation Tips
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Spandana Sphoorty Financial Interviews By Designations
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Spandana Sphoorty Financial Credit Officer Interview Process
based on 2 interviews
Interview experience
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Spandana Sphoorty Financial Credit Officer Reviews and Ratings
based on 25 reviews
Rating in categories
|
Credit Assistant
177
salaries
|  ₹1.1 L/yr - ₹4.2 L/yr |
|
Branch Manager
154
salaries
| ₹1.5 L/yr - ₹6.2 L/yr |
|
Associate
98
salaries
| ₹1 L/yr - ₹3 L/yr |
|
Cluster Manager
72
salaries
| ₹3.2 L/yr - ₹7.2 L/yr |
|
Internal Auditor
54
salaries
| ₹2 L/yr - ₹3.5 L/yr |
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