Tata Capital Interview Questions, Process, and Tips

Q1. What are your salary expectations?
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Q2. Tell me about yourself.
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Q3. Your fev sport Which cricket player do you like What do you better batting or bowling Which position you like to bat in gully cricket What is you birth state Who is the cm of your native state Who is forme...read more
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Q1. Which formula do you know in excel Get this value usinhlg vlookup What is vlookup and its argument Use of concatenate formula Extract only day in date time formate
Ans. 
VLOOKUP is a formula in Excel used to search for a value in a table and retrieve corresponding data from another column.
• VLOOKUP is used to find an exact or approximate match in a table.

• Its arguments include the lookup value, table range, column index, and match type.

• Concatenate formula is used to combine text from multiple cells into one cell.

• It is helpful for creating unique identifiers or joining data from different ...read more
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Q1. Why you want to join in this organization
Ans. 
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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All categories cases working position assistant manager in work system

Q1. How many your expriance? And what is the types of company।
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Q2. 1/Expriance 2/Name of Company 3/field Work & other
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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
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
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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...read more
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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
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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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Q1. Looking for an entry into a world class , highly professional organization with chellenging and copetitive environment where i can use my knowledge base as well as personal attributes ot achieve the goals....read more
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