Tata Capital Credit Manager Interview Questions and Answers

No, high GST TO does not necessarily indicate good financial health if banking EOD balances are poor.

• High GST TO could be due to high sales but poor collection of receivables

• Poor banking EOD balances could indicate cash flow issues or mismanagement of funds

• Further investigation into the reasons behind poor EOD balances is necessary before making a decision

I would review the dpds from the last 12 months to assess the credit risk and make informed decisions.

• Reviewing the dpds from the last 12 months helps in understanding the credit risk associated with customers.

• Analyzing the trends in dpds can provide insights into the financial health of the customers.

• Taking proactive measures based on the dpds data can help in minimizing credit losses.

• Using the dpds data to adjust cre...read more

Parameters checked in banking include credit score, income, employment history, debt-to-income ratio, and credit report.

• Credit score

• Income

• Employment history

• Debt-to-income ratio

• Credit report

In CIBIL, credit managers check credit scores and credit reports to assess an individual's creditworthiness.

• Check credit scores to determine the individual's credit risk

• Review credit reports for any past credit history, outstanding debts, and payment patterns

• Assess the individual's creditworthiness based on the information obtained from CIBIL

CIBIL is a credit information company that provides credit scores and reports to lenders. DPD stands for Days Past Due, DBT stands for Days Beyond Terms, sub standard refers to loans with high risk of default, Dbr ratio is Debt Burden Ratio, and FOIR ratio is Fixed Obligation to Income Ratio.

• CIBIL is a credit information company that provides credit scores and reports to lenders

• DPD stands for Days Past Due, indicating ...read more