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I applied via Naukri.com and was interviewed before Apr 2022. There were 3 interview rounds.
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.
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
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...
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
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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I applied via Referral and was interviewed before Feb 2021. There were 3 interview rounds.
I applied via Company Website and was interviewed before Jun 2020. There was 1 interview round.
I applied via Naukri.com and was interviewed in Oct 2020. There was 1 interview round.
I applied via Naukri.com and was interviewed in Dec 2020. There was 1 interview round.
To increase business, it is important to focus on customer satisfaction, marketing strategies, and employee training.
Prioritize customer satisfaction by providing excellent service and addressing their needs
Implement effective marketing strategies to attract new customers and retain existing ones
Invest in employee training and development to enhance productivity and customer experience
Analyze market trends and competit...
I applied via Referral and was interviewed before Dec 2019. There was 1 interview round.
To canvas gold loans and other products, we need to identify potential customers and offer them personalized solutions.
Identify potential customers through market research and customer profiling
Offer personalized solutions based on their needs and preferences
Leverage existing customer base for referrals and word-of-mouth marketing
Use digital marketing channels to reach a wider audience
Train and motivate sales team to e...
I applied via Referral and was interviewed before Apr 2020. There was 1 interview round.
My work nature is highly organized, detail-oriented, and focused on achieving goals.
I am highly organized and prioritize tasks effectively to ensure smooth operations.
I pay attention to detail and ensure accuracy in all aspects of my work.
I am goal-oriented and strive to achieve targets and exceed expectations.
I am proactive and take initiative to identify and resolve issues before they escalate.
I am adaptable and able...
Work experience refers to the practical knowledge and skills gained through employment or professional activities.
Work experience is the accumulation of skills, knowledge, and expertise acquired through employment or professional engagements.
It includes both paid and unpaid work, internships, volunteer work, and any other relevant activities.
Work experience helps individuals develop industry-specific skills, adaptabili...
The target is achievable with proper planning and execution.
The target is challenging but realistic.
We have a clear plan in place to achieve the target.
Regular monitoring and course correction will ensure we stay on track.
We have a motivated team that is committed to achieving the target.
Examples: Last quarter, we exceeded our target by 10%. This quarter, we are on track to meet our target by the end of the month.
Awards and rewarding are forms of recognition and incentives given to individuals or organizations for their achievements or contributions.
Awards can be in the form of trophies, certificates, or monetary prizes.
Rewarding can include bonuses, promotions, or other perks.
They motivate and encourage individuals to perform better and achieve goals.
Awards and rewarding can be given in various fields such as sports, academics...
I applied via Recruitment Consultant and was interviewed in Nov 2019. There were 3 interview rounds.
based on 1 interview
Interview experience
based on 4 reviews
Rating in categories
Credit Manager
457
salaries
| ₹4 L/yr - ₹13.1 L/yr |
Sales Manager
438
salaries
| ₹3 L/yr - ₹12 L/yr |
Manager
316
salaries
| ₹4.5 L/yr - ₹19 L/yr |
Relationship Manager
306
salaries
| ₹4.5 L/yr - ₹16.3 L/yr |
Collections Manager
289
salaries
| ₹2.4 L/yr - ₹9.5 L/yr |
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