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Tata Capital Branch Credit Manager Interview Questions and Answers

Updated 26 May 2024

Tata Capital Branch Credit Manager Interview Experiences

2 interviews found

Interview experience
4
Good
Difficulty level
Moderate
Process Duration
Less than 2 weeks
Result
Selected Selected

I applied via Newspaper Ad and was interviewed in Nov 2023. There was 1 interview round.

Round 1 - Department head interview 

(1 Question)

  • Q1. What is the business vintage & stability spoof & whats the reason s to reject files, business profile,banking statement, about technical report how to
  • Ans. 

    Business vintage & stability spoof refers to the falsification of business history and financial stability to deceive lenders. Reasons to reject files include inconsistencies in business profile, banking statements, and technical reports.

    • Business vintage refers to the length of time a business has been operating. Lenders look for established businesses with a proven track record.

    • Stability spoof involves presenting fals...

  • Answered by AI

Interview Preparation Tips

Interview preparation tips for other job seekers - Good
Round 1 - Resume Shortlist 
Pro Tip by AmbitionBox:
Keep your resume crisp and to the point. A recruiter looks at your resume for an average of 6 seconds, make sure to leave the best impression.
View all Resume tips
Round 2 - One-on-one 

(2 Questions)

  • Q1. Financial and Mortgage
  • Q2. Was good and taken on phone as video calling and found positive
Round 3 - Coding Test 

Best in the industry nd good knowing about

Interview Preparation Tips

Interview preparation tips for other job seekers - Good company and good job stability staff are good stable job can play long match with tata

Branch Credit Manager Interview Questions Asked at Other Companies

Q1. why 13yr legal search report is required in mortgage
Q2. What is underwriting and what you have to do for getting good cus ... read more
Q3. what is a difference between lease hold property and free hold pr ... read more
Q4. What kind of product to handle?
asked in ICICI Bank
Q5. What will you check in tax audit report when someone applies for ... read more

Interview questions from similar companies

I was interviewed before Apr 2016.

Interview Questionnaire 

5 Questions

  • Q1. Which clauses are important in 3CD while sanctioning loan
  • Ans. 

    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

  • Answered by AI
  • Q2. Tell me profit and loss ratios
  • Ans. 

    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

  • Answered by AI
  • Q3. Balance sheet ratios
  • Q4. Diffrence between concurrent audit and statutory audit
  • Ans. 

    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 ...

  • Answered by AI
  • Q5. If someone is earning less than EMI should he take a loan or not
  • Ans. 

    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...

  • Answered by AI

Interview Preparation Tips

College Name: ICAI

Interview Questionnaire 

4 Questions

  • Q1. About myself
  • Q2. Work profile of previous employment
  • Ans. 

    Managed a team of sales representatives, oversaw daily operations, and implemented strategies to increase branch revenue.

    • Managed a team of sales representatives

    • Oversaw daily operations

    • Implemented strategies to increase branch revenue

  • Answered by AI
  • Q3. Strength of yours
  • Ans. 

    One of my strengths is my ability to effectively communicate and collaborate with team members.

    • Strong communication skills help me convey ideas clearly and build strong relationships with colleagues.

    • I actively listen to others' perspectives and provide constructive feedback to ensure everyone is on the same page.

    • I have experience leading team meetings and facilitating productive discussions to achieve common goals.

  • Answered by AI
  • Q4. How will you bring profitability
  • Ans. 

    I will bring profitability by implementing cost-cutting measures, increasing sales, and improving customer satisfaction.

    • Analyze expenses and identify areas where costs can be reduced without affecting quality

    • Develop and implement sales strategies to increase revenue

    • Improve customer service to retain existing customers and attract new ones

    • Monitor financial performance regularly and make adjustments as needed

    • Invest in tr...

  • Answered by AI

Interview Questionnaire 

1 Question

  • Q1. PROFILE OF YOUR JOB AND YOUR ACHIEVMENTS

Interview Preparation Tips

Interview preparation tips for other job seekers - GOOD

I applied via Referral and was interviewed before Sep 2020. There were 3 interview rounds.

Interview Questionnaire 

2 Questions

  • Q1. Financial analysis related questions
  • Q2. Just answer what you have learnt during the course of your studies

Interview Preparation Tips

Interview preparation tips for other job seekers - Be honest in your answers. If you dont know dont fluke

I applied via Referral and was interviewed before Nov 2020. There were 3 interview rounds.

Interview Questionnaire 

1 Question

  • Q1. Regarding previous experience with organisation. Things related to same.

Interview Preparation Tips

Interview preparation tips for other job seekers - Before hand get some idea about the job role ask you refrences. Do your homework and dont be shy for asking questions beforehand to maximise the knowlegdge.

I applied via Campus Placement and was interviewed before May 2021. There was 1 interview round.

Round 1 - Technical 

(1 Question)

  • Q1. 1. tell me about yourself 2. what will your check while giving loans to clients? 3. what is debt service coverage ratios? 4. what is cibil? 5. what is your family background

Interview Preparation Tips

Interview preparation tips for other job seekers - it was easy to average. be prepared with come ratios .

I applied via Walk-in and was interviewed before Aug 2020. There was 1 interview round.

Interview Questionnaire 

2 Questions

  • Q1. Tell about case book
  • Ans. 

    A case book is a collection of cases or scenarios used for training or educational purposes.

    • Case books are commonly used in business schools to teach students about real-world business situations.

    • They can also be used in law schools to teach students about legal cases and precedents.

    • Case books may include case studies, simulations, or hypothetical scenarios.

    • They are often used to encourage critical thinking and problem...

  • Answered by AI
  • Q2. Gl size book

Interview Preparation Tips

Interview preparation tips for other job seekers - Good communication skills required

I applied via Referral and was interviewed before Oct 2021. There were 2 interview rounds.

Round 1 - Resume Shortlist 
Pro Tip by AmbitionBox:
Keep your resume crisp and to the point. A recruiter looks at your resume for an average of 6 seconds, make sure to leave the best impression.
View all Resume tips
Round 2 - HR 

Interview Preparation Tips

Interview preparation tips for other job seekers - be thorough with ratios and processes. Have knowledge on financial analysis
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Tata Capital Interview FAQs

How many rounds are there in Tata Capital Branch Credit Manager interview?
Tata Capital interview process usually has 2 rounds. The most common rounds in the Tata Capital interview process are Resume Shortlist, One-on-one Round and Coding Test.
What are the top questions asked in Tata Capital Branch Credit Manager interview?

Some of the top questions asked at the Tata Capital Branch Credit Manager interview -

  1. What is the business vintage & stability spoof & whats the reason s to reject f...read more
  2. Was good and taken on phone as video calling and found posit...read more
  3. Financial and Mortg...read more

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Tata Capital Branch Credit Manager Interview Process

based on 1 interview

Interview experience

4
  
Good
View more
Tata Capital Branch Credit Manager Salary
based on 18 salaries
₹2.9 L/yr - ₹9.5 L/yr
At par with the average Branch Credit Manager Salary in India
View more details

Tata Capital Branch Credit Manager Reviews and Ratings

based on 12 reviews

4.0/5

Rating in categories

3.7

Skill development

3.6

Work-life balance

4.3

Salary

4.0

Job security

3.7

Company culture

3.9

Promotions

3.7

Work satisfaction

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