Tata Capital Credit Manager Interview Questions and Answers

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Q1. Normal credit norms and policy
Ans. 
Normal credit norms and policy refer to the standard guidelines followed by a company while extending credit to its customers.
• Credit limit is set based on the customer's creditworthiness

• Payment terms are agreed upon between the company and the customer

• Late payment fees and interest rates are charged for delayed payments

• Credit checks are conducted before extending credit to new customers

• Credit policies are reviewed peri...read more
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Q1. Basic policy test of underwriting and brief introduction of self at starting
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Q2. Market Knowledge, altitude test, case study based discussion, financial formulae check.
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Q1. What are your salary expectations?
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Q2. What is your family background?
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Q3. Share details of your previous job.
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Senior check my knowledge

Q1. Salary negotiations
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Who to start PD with customer.
Specific questions related to working experience.

Q1. Salary, self, family background and benefits discussion
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Q2. Tell me about yourself
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Q1. Tell me about yourself Ratios Financials Cibil part
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Q2. Cibil part Financials ratios Balancesheet
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Q1. Cibil part Financial ratios Balancesheet
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Q2. How do u understand cibil and it's description like dpd dbt sub standard Dbr ratio Foir ratio
Ans. 
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
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Q1. What is Debt Service Coverage Ratio?
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Debt Service Coverage Ratio (DSCR) is a financial metric used to assess a borrower's ability to repay debt obligations.
• DSCR measures the cash flow available to cover debt payments.

• It is calculated by dividing the borrower's net operating income by their total debt service.

• A DSCR of 1 or higher indicates that the borrower has sufficient cash flow to cover their debt obligations.

• Lenders often require a minimum DSCR befor...read more
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Q2. What is Networth?
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Net worth is the value of an individual's or company's assets minus liabilities.
• Net worth is a measure of financial health and indicates the value of an entity after deducting its debts.

• It is calculated by subtracting liabilities from assets.

• Assets can include cash, investments, real estate, vehicles, and other valuable possessions.

• Liabilities encompass debts, loans, mortgages, and other financial obligations.

• A positiv...read more
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