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Tata Capital Credit Manager Interview Questions and Answers

Updated 19 Aug 2024

Tata Capital Credit Manager Interview Experiences

3 interviews found

Credit Manager Interview Questions & Answers

user image Amit Kumar Agrawal

posted on 27 Mar 2024

Interview experience
1
Bad
Difficulty level
-
Process Duration
-
Result
-
Round 1 - One-on-one 

(1 Question)

  • Q1. About credit policy Working hours

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

I applied via Referral and was interviewed before Aug 2023. There was 1 interview round.

Round 1 - Technical 

(4 Questions)

  • Q1. Credit related questions
  • Q2. Loan sanction process
  • Q3. Basic requirements
  • Q4. Client visit plan and discussion with regard to business and risk involved

Interview Preparation Tips

Interview preparation tips for other job seekers - Normal credit interview questions

Credit Manager Interview Questions Asked at Other Companies

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Q1. If a client comes to take a loan & he haven't got any type of ... read more
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Q2. What are the most important ratios to analyse the balance sheet a ... read more
asked in HDFC Bank
Q3. A client comes & he wants a big loan to fund his long-term pr ... read more
asked in ICICI Bank
Q4. Which clauses are important in 3CD while sanctioning loan
asked in ICICI Bank
Q5. What are the key skills of credit manager?
Round 1 - One-on-one 

Interview Preparation Tips

Topics to prepare for Tata Capital Credit Manager interview:
  • Financial Analysis
Interview preparation tips for other job seekers - As working in Tata you should be very true type of person. Tata always select those who is generous and innocent.

Credit Manager Jobs at Tata Capital

View all

Interview questions from similar companies

I appeared for an interview 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

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 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

I applied via Campus Placement and was interviewed before May 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 - Group Discussion 
Pro Tip by AmbitionBox:
Don’t treat group discussions as an argument. Group discussion is about reaching a meaningful conclusion.
View all GD tips

Interview Preparation Tips

Interview preparation tips for other job seekers - Update your self to the Organisation requirements

I applied via Campus Placement and was interviewed before Jun 2020. There were 6 interview rounds.

Interview Questionnaire 

1 Question

  • Q1. All financial ratios

Interview Preparation Tips

Interview preparation tips for other job seekers - Be confident and have good financial knowledge
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Tata Capital Interview FAQs

How many rounds are there in Tata Capital Credit Manager interview?
Tata Capital interview process usually has 1 rounds. The most common rounds in the Tata Capital interview process are One-on-one Round and Technical.
How to prepare for Tata Capital Credit Manager interview?
Go through your CV in detail and study all the technologies mentioned in your CV. Prepare at least two technologies or languages in depth if you are appearing for a technical interview at Tata Capital. The most common topics and skills that interviewers at Tata Capital expect are Credit Underwriting, Credit Risk, Risk Mitigation, MIS and Legal Documentation.
What are the top questions asked in Tata Capital Credit Manager interview?

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

  1. Client visit plan and discussion with regard to business and risk invol...read more
  2. About credit policy Working ho...read more
  3. Loan sanction proc...read more

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Tata Capital Credit Manager Interview Process

based on 7 interviews

Interview experience

3.6
  
Good
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Tata Capital Credit Manager Salary
based on 445 salaries
₹3.6 L/yr - ₹12.5 L/yr
At par with the average Credit Manager Salary in India
View more details

Tata Capital Credit Manager Reviews and Ratings

based on 85 reviews

3.6/5

Rating in categories

3.6

Skill development

3.0

Work-life balance

3.7

Salary

4.2

Job security

3.3

Company culture

3.2

Promotions

3.1

Work satisfaction

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