Tata Capital Credit Administration Manager Interview Questions and Answers

Q1. Question about Previous company experience
Add your answer
Q2. Salary expectation
Add your answer

Q1. Introduction previous job experiences
Ans. 
I have experience working in various roles in the financial industry, including as a credit analyst and loan processor.
• Worked as a credit analyst at XYZ Bank, analyzing credit reports and financial statements

• Processed loan applications and conducted risk assessments at ABC Credit Union

• Collaborated with underwriters and loan officers to ensure timely and accurate processing of loan applications
Answered by AI
Add your answer
Q2. Question about banking sector and finance
Add your answer

Q1. What is meaning of CBIL
Ans. 
CBIL stands for Credit Bureau India Limited, which is a credit information company in India.
• CBIL is a credit information company that collects and maintains credit information of individuals and businesses.

• It provides credit reports and scores to lenders to help them make informed lending decisions.

• CBIL helps in reducing the risk of default by providing accurate credit information.

• It plays a crucial role in the credit ...read more
Answered by AI
Add your answer
Q2. What are the metrics used to evaluate risk
Ans. 
Metrics used to evaluate risk include credit score, debt-to-income ratio, payment history, and credit utilization.
• Credit score: A numerical representation of a borrower's creditworthiness based on their credit history.

• Debt-to-income ratio: The percentage of a borrower's monthly income that goes towards paying debts.

• Payment history: A record of a borrower's past payments on credit accounts.

• Credit utilization: The amount
Answered by AI
Add your answer

Q1. Why your leaving privious company
Ans. 
Seeking new challenges and growth opportunities in a different work environment.
• Desire for career advancement

• Looking for new challenges

• Seeking better work-life balance

• Company restructuring or downsizing

• Relocation to a different city
Answered by AI
Add your answer
Q2. What was salary expectation
Ans. 
My salary expectation is in line with industry standards and based on my experience and qualifications.
• Research industry standards for Credit Manager salaries

• Consider my experience and qualifications when determining salary expectation

• Be open to negotiation based on the overall compensation package offered
Answered by AI
Add your answer

Basic maths and common science exam

Q1. Inroduce urself
Add your answer
Q2. What is loan procurement
Ans. 
Loan procurement is the process of obtaining a loan from a financial institution or lender.
• Involves submitting an application for a loan

• Includes providing necessary documentation such as income verification and credit history

• May require meeting certain eligibility criteria set by the lender

• Can involve negotiating loan terms and interest rates

• Examples: applying for a mortgage, car loan, or personal loan
Answered by AI
Add your answer

Q1. Technical knowledge and job profile related
Add your answer
Q2. As per process and work experience based
Add your answer

Q1. Salary expectation
Add your answer
Q2. It is everyone's job to increase the salary and post of the employees after seeing their hard work
Add your answer
Q3. Work experience
Add your answer
Q4. Income analysis
Add your answer
Q5. How to settle income FOIR
Ans. 
FOIR can be settled by ensuring the borrower's total fixed obligations do not exceed a certain percentage of their income.
• Calculate the borrower's total fixed obligations, including existing loan EMIs, rent, and other fixed expenses.

• Calculate the borrower's income, including salary, rental income, and any other sources of income.

• Divide the total fixed obligations by the borrower's income to get the FOIR.

• Ensure the FOIR...read more
Answered by AI
Add your answer

The work of the credit team is to provide loan after doing income analytics after studying the case and whether EMI can be given to the customer and my work in case study is to find out by doing local inquiry whether the customer is showing fake business or not and in sales, I keep getting to know what is the problem in the case

Q1. About work history
Add your answer
Q2. About domain knowledge
Add your answer

Q1. About Salary and others
Add your answer

GD was about Role of technology in NBFC

Q1. Tell me about role ? How do you assess credit worthiness?
Add your answer