Tata Capital Manager Interview Questions and Answers

Q1. Basic questions, Why ru lefting this job?
Add your answer
Q2. What kind of challenges face and achievements?
Add your answer

Q1. Why man power services considered as a coution profile
Add your answer
Q2. GST TO is high but banking EOD balances are very poor, will you go ahead and why?
Ans. 
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
Answered by AI
Add your answer
Q3. In last 12M dpds are there will you go ahead
Ans. 
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
Answered by AI
Add your answer
Q4. What parameters are you checking in banking
Ans. 
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
Answered by AI
Add your answer
Q5. In CIBIL what r u checking and why
Ans. 
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
Answered by AI
Add your answer

Good and maintence vell

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
Answered by AI
Add your answer
Q2. Business Underwriting for Unsecured secured business loan and my current CTC **** and expected ****
Add your answer

Q1. What you will check in banking
Ans. 
In banking, I will check credit scores, financial statements, payment history, and collateral.
• Credit scores of the applicant

• Financial statements to assess financial health

• Payment history to evaluate past behavior

• Collateral provided for securing the loan
Answered by AI
Add your answer
Q2. What you will check in financial
Ans. 
I will check financial statements, credit reports, payment history, and debt-to-income ratio.
• Review financial statements to assess financial health

• Check credit reports for credit history and score

• Analyze payment history to determine reliability

• Calculate debt-to-income ratio to evaluate ability to repay debts
Answered by AI
Add your answer

Nothing , easy only logical and communication

It was easy basic logical reasoning

Q1. Introduction of yourself
Ans. 
I am an experienced Credit Manager with a strong background in financial analysis and risk assessment.
• Over 5 years of experience in credit management

• Proficient in financial analysis and risk assessment

• Strong understanding of credit policies and procedures

• Excellent communication and negotiation skills

• Proven track record of reducing bad debt and improving cash flow
Answered by AI
Add your answer
Q2. Document in credit
Ans. 
Documenting credit information is crucial for assessing risk and making informed decisions.
• Maintain detailed records of customer credit applications, approvals, and payment history

• Include relevant financial statements, credit reports, and references in the documentation

• Regularly update and review credit files to ensure accuracy and compliance with policies

• Document any communication or agreements regarding credit terms ...read more
Answered by AI
View 1 more answer

Senior check my knowledge

Q1. Salary negotiations
Add your answer

Q1. Tell me about yourself Ratios Financials Cibil part
View 1 more answer
Q2. Cibil part Financials ratios Balancesheet
Add your answer

Q1. Cibil part Financial ratios Balancesheet
Add your answer
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
Answered by AI
Add your answer