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Tata Capital Senior Manager Credit Interview Questions, Process, and Tips

Updated 1 Apr 2023

Tata Capital Senior Manager Credit Interview Experiences

1 interview found

Interview experience
5
Excellent
Difficulty level
Hard
Process Duration
Less than 2 weeks
Result
Selected Selected

I applied via Naukri.com and was interviewed before Apr 2022. There were 3 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 tips
Round 2 - HR 

(1 Question)

  • Q1. Sound introduction about your work level background
Round 3 - One-on-one 

(5 Questions)

  • 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.

  • Answered by AI
  • Q2. How many Files do you handle per month and what is average TAT
  • Ans. 

    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

  • Answered by AI
  • Q3. Tell us about any customer frauds that you have encountered in your past experience
  • Ans. 

    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...

  • Answered by AI
  • Q4. How do you analyse banking
  • Ans. 

    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

  • Answered by AI
  • 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

  • Answered by AI

Interview Preparation Tips

Topics to prepare for Tata Capital Senior Manager Credit interview:
  • Credit Analysis
  • Financial Analysis
  • banking analysis
  • Market Research
  • Delinquency Management
Interview preparation tips for other job seekers - Be confident
Be ready with data you have worked on previously
Have market knowledge
Be prepared with your achievements and add them in your Introduction or when you are asked relevant question.

Interview questions from similar companies

I applied via Referral and was interviewed before Feb 2021. There were 3 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 tips
Round 2 - Technical 

(2 Questions)

  • Q1. Basic policy test of underwriting and brief introduction of self at starting
  • Q2. Market Knowledge, altitude test, case study based discussion, financial formulae check.
Round 3 - HR 

(3 Questions)

  • Q1. What are your salary expectations?
  • Q2. What is your family background?
  • Q3. Share details of your previous job.

Interview Preparation Tips

Interview preparation tips for other job seekers - Nothing as such.
No problem if reporting Manager finaalizes you.

I applied via Company Website and was interviewed before Jun 2020. There was 1 interview round.

Interview Questionnaire 

1 Question

  • Q1. About my portfolio and communication skill in pitching products

Interview Preparation Tips

Interview preparation tips for other job seekers - Speak bold motivated and practical

I applied via Naukri.com and was interviewed in Oct 2020. There was 1 interview round.

Interview Questionnaire 

1 Question

  • Q1. Where we are found my CV .
  • Ans. Yes I am trakle allready 24 employees so no problem I trakle the branch.
  • Answered by RATHIN PAUL

Interview Preparation Tips

Interview preparation tips for other job seekers - Very nice Company Very short process and nice cooperation of HR.

I applied via Naukri.com and was interviewed in Dec 2020. There was 1 interview round.

Interview Questionnaire 

1 Question

  • Q1. Questions about experience ,gold checking, branch exposure and team handling

Interview Preparation Tips

Interview preparation tips for other job seekers - All interview taken through VC it was great experience

Interview Questionnaire 

2 Questions

  • Q1. What is important to increase the business ?
  • Ans. 

    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...

  • Answered by AI
  • Q2. How much achievement will you give to the company?

Interview Preparation Tips

Interview preparation tips for other job seekers - Don't be panic by the questions of the requiter, always be confident and give proper and clear answer. Always be loyal with your profession and boss, every person teach us a lesson which called job experience.

Interview Questionnaire 

1 Question

  • Q1. Tell me about your selfe and other

I applied via Referral and was interviewed before Dec 2019. There was 1 interview round.

Interview Questionnaire 

1 Question

  • Q1. How to canvas gold loans and other products
  • Ans. 

    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...

  • Answered by AI

Interview Preparation Tips

Interview preparation tips for other job seekers - Good

I applied via Referral and was interviewed before Apr 2020. There was 1 interview round.

Interview Questionnaire 

4 Questions

  • Q1. How are your work nature?
  • Ans. 

    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...

  • Answered by AI
  • Q2. What's is work experience?
  • Ans. 

    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...

  • Answered by AI
  • Q3. How is target?
  • Ans. 

    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.

  • Answered by AI
  • Q4. What's awards and rewarding?
  • Ans. 

    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...

  • Answered by AI

Interview Preparation Tips

Interview preparation tips for other job seekers - This interview was a technical one but was majorly a stress test. It lasted for about 1 hour 10 minutes. The interviewer wanted to test both my knowledge and communication skills. Most of the questions asked to me were related to my B.Tech curriculum i.e. computer science related topics. He stressed a lot on the basics related to my project topic. Luckily I was able to answer most of the questions correctly. I tried to answer each question with examples and also used props on the table (like pens, paperweights, pen stands etc.) to explain my theories. It was my first offcampus interview, and I think I did pretty well for a fresher. You need to stay calm and should apply presence of mind. Please go through the job description thoroughly word-by-word and recheck your resume to ensure that you are a best-fit for the position.

I applied via Recruitment Consultant and was interviewed in Nov 2019. There were 3 interview rounds.

Interview Questionnaire 

1 Question

  • Q1. About My Self , My Last Company Job profile , About Team Management And Working Style etc.

Interview Preparation Tips

Interview preparation tips for other job seekers - I wanna say that if are confident about yourself and about your job role then you can crack any type of interview without any reference or jack.

Tata Capital Interview FAQs

How many rounds are there in Tata Capital Senior Manager Credit interview?
Tata Capital interview process usually has 3 rounds. The most common rounds in the Tata Capital interview process are Resume Shortlist, HR and One-on-one Round.
How to prepare for Tata Capital Senior Manager Credit 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 Biochemistry, Chat Process, Corporate Finance, Credit Administration and Credit Underwriting.
What are the top questions asked in Tata Capital Senior Manager Credit interview?

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

  1. How many Files do you handle per month and what is average ...read more
  2. What is delinquency ratio of your Zone and of your Comp...read more
  3. What is important property or inc...read more

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Tata Capital Senior Manager Credit Interview Process

based on 1 interview

Interview experience

5
  
Excellent
View more

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Tata Capital Senior Manager Credit Salary
based on 17 salaries
₹8.3 L/yr - ₹21.8 L/yr
9% less than the average Senior Manager Credit Salary in India
View more details

Tata Capital Senior Manager Credit Reviews and Ratings

based on 4 reviews

2.8/5

Rating in categories

2.2

Skill development

2.0

Work-life balance

1.7

Salary

4.8

Job security

1.1

Company culture

2.1

Promotions

1.1

Work satisfaction

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