Tata Capital Interview Questions, Process, and Tips for Experienced

Measure one's competence in logical reasoning, numerical skills, or verbal ability; competency can be evaluated through problem-solving tasks and testing one's critical thinking across various contexts

Channel the business into a scaleable, innovative and value creating enterprise. The execution flywheel with innovative solution, efficient execution and competitive pricing realises the macropotential to the fullest extent

I like compensation management in group discussion

Q1. Introduces your self
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Q2. Being a freshers what salary do you expect
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Q1. Tell me about yourself
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Q2. Why did you leave previous organisation
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Q1. Why did you leave previous organisation
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Q2. Where do you see yourself in 5 years
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Q3. Are you okay with long working hours with limited leaves
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Q1. What do you mean kyc
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Q2. Know your customer
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Q3. What is kyc documents
Ans. 
KYC documents refer to the documents required for verifying the identity of customers before providing financial services.
• KYC stands for Know Your Customer

• Common KYC documents include government-issued ID, proof of address, and proof of income

• KYC helps prevent fraud, money laundering, and identity theft

• Financial institutions are required by law to collect and verify KYC documents from customers
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Q4. Pancard, aadhar card,light bill,ration card
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Q1. Why you want to join in this organization
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I want to join this organization because of its strong reputation, opportunities for growth, and alignment with my values.
• Strong reputation: The organization has a proven track record of success and is highly regarded in the industry.

• Opportunities for growth: The organization offers various career development programs, mentorship opportunities, and a clear path for advancement.

• Alignment with values: The organization's ...read more
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Q2. Why you like this organisation
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I like this organization because of its strong commitment to employee growth and development.
• The organization provides ample opportunities for professional development through training programs and workshops.

• There is a clear career progression path for employees, which motivates them to perform better.

• The organization values employee feedback and actively seeks input to improve work processes.

• The work culture promotes ...read more
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Q1. Why you resigned for last organisation
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I resigned from my last organization due to a lack of growth opportunities and a desire for new challenges.
• Limited opportunities for advancement

• Seeking new challenges and growth

• Desire for a change in work environment

• Exploring better career prospects
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Q1. Sound introduction about your work level background
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Q1. What is delinquency ratio of your Zone and of your Company
Ans. 
The delinquency ratio of my Zone is 2% and of my Company is 1.5%.
• The delinquency ratio is a measure of the percentage of loans that are past due.

• My Zone has a slightly higher delinquency ratio than the Company average.

• We are actively working to reduce delinquency through targeted outreach and support for struggling borrowers.
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Q2. How many Files do you handle per month and what is average TAT
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I handle an average of 200 credit files per month with a TAT of 15 days.
• I handle around 200 credit files per month

• The average TAT for processing a credit file is 15 days

• I ensure that all files are processed within the given TAT to maintain efficiency

• I prioritize urgent files and communicate with clients to resolve any issues that may cause delays
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Q3. Tell us about any customer frauds that you have encountered in your past experience
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Encountered various customer frauds in past experience
• Identified a case of identity theft where a customer's personal information was stolen and used to open multiple fraudulent credit accounts

• Uncovered a scheme where a customer was using counterfeit checks to make payments and then disputing the charges

• Discovered a pattern of suspicious transactions involving a group of customers colluding to inflate their credit limi...read more
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Q4. How do you analyse banking
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Banking analysis involves evaluating financial statements, creditworthiness, risk management, and market trends.
• Evaluate financial statements to determine the bank's profitability, liquidity, and solvency

• Assess creditworthiness of borrowers to minimize loan defaults

• Analyze risk management strategies to ensure the bank is adequately protected

• Monitor market trends to identify potential opportunities or threats

• Use data an
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Q5. What is important property or income
Ans. 
Both property and income are important for credit assessment.
• Property provides collateral and security for the loan.

• Income determines the borrower's ability to repay the loan.

• Both factors are considered in credit scoring models.

• The importance of each factor may vary depending on the type of loan and lender's policies.

• For example, a mortgage lender may place more emphasis on property value, while a personal loan lender
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