Tata Capital Credit Manager Interview Questions and Answers

Q1. What is meaning of CBIL
Ans. 
CBIL stands for Credit Bureau India Limited, which is a credit information company in India.
• CBIL is a credit information company that collects and maintains credit information of individuals and businesses.

• It provides credit reports and scores to lenders to help them make informed lending decisions.

• CBIL helps in reducing the risk of default by providing accurate credit information.

• It plays a crucial role in the credit ...read more
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Q2. What are the metrics used to evaluate risk
Ans. 
Metrics used to evaluate risk include credit score, debt-to-income ratio, payment history, and credit utilization.
• Credit score: A numerical representation of a borrower's creditworthiness based on their credit history.

• Debt-to-income ratio: The percentage of a borrower's monthly income that goes towards paying debts.

• Payment history: A record of a borrower's past payments on credit accounts.

• Credit utilization: The amount
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Q1. Why your leaving privious company
Ans. 
Seeking new challenges and growth opportunities in a different work environment.
• Desire for career advancement

• Looking for new challenges

• Seeking better work-life balance

• Company restructuring or downsizing

• Relocation to a different city
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Q2. What was salary expectation
Ans. 
My salary expectation is in line with industry standards and based on my experience and qualifications.
• Research industry standards for Credit Manager salaries

• Consider my experience and qualifications when determining salary expectation

• Be open to negotiation based on the overall compensation package offered
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Group discussion with senior

Q1. Question related to salary package
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Q2. Question related to notice period
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Q1. Comfortable discuss his education, family and his genral knowledge, and after privious experience
Ans. Comfortable given answer self, family and his education and current job
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Q2. If interviewer are not eligible then say go otherwise if he is comfortable then we are trying his body language and his capacity for workload
Ans. Dress code was good formal dress with formal shoes and no any stress about work
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Q3. We want an educated underwriting and expert person for as a credit manager
Ans. He/she answered to us is experts in underwriting with PD and income calculation
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Q4. Asking about team handling and branch handling
Ans. Yes I am very comfortable with my team and my team also very comfort with me and we are solve any issues branch end and we are discussing in our joint group
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Q5. Any privious case discussion wherever face problems he is solve it
Ans. Any last case disburse who can your biggest case
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Q6. Asking about our company
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Q1. What's your work profile and CTS
Ans. 
I have over 5 years of experience as a Credit Manager, specializing in risk assessment, credit analysis, and collections.
• Managed credit risk by analyzing financial statements and credit reports

• Developed and implemented credit policies to minimize bad debt

• Negotiated payment terms with customers to ensure timely payments

• Worked closely with sales team to evaluate creditworthiness of new customers
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Q2. Business Underwriting for Unsecured secured business loan and my current CTC **** and expected ****
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Q1. Tell me about yourself
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Q2. Your role at current work place
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Q3. What are the challenges faced in your work place
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Q1. FOIR Policy, Income Assesment, CB Check, Customer Handling, Excel, Pivot Table, Communication skill.
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Q1. 3 Round on Telephonic.
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