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Tata Capital Senior Manager Credit Interview Questions, Process, and Tips
Tata Capital Senior Manager Credit Interview Experiences
1 interview found
Selected
I applied via Naukri.com and was interviewed before Apr 2022. There were 3 interview rounds.
(1 Question)
- Q1. Sound introduction about your work level background
(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.
- 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
- 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...
- 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
- 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
Interview Preparation Tips
- Credit Analysis
- Financial Analysis
- banking analysis
- Market Research
- Delinquency Management
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.
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Selected
I applied via Referral and was interviewed in May 2023. There were 3 interview rounds.
For segment knowledge
(1 Question)
- Q1. Salary discussion
Credit Processing Associate Interview Questions & Answers
Poonawalla Fincorp
Anonymous
posted on 31 Jul 2024
(2 Questions)
- Q1. Question about Previous company experience
- Q2. Salary expectation
(2 Questions)
- 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
- Q2. Question about banking sector and finance
Interview Preparation Tips
(2 Questions)
- 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 ...
- 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
(2 Questions)
- 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
- 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
Selected
Basic maths and common science exam
(2 Questions)
- Q1. Inroduce urself
- 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
Interview Preparation Tips
Selected
I applied via Company Website and was interviewed in May 2024. There was 1 interview round.
(2 Questions)
- Q1. Technical knowledge and job profile related
- Q2. As per process and work experience based
Interview Preparation Tips
Selected
I applied via Recruitment Consulltant
(5 Questions)
- Q1. Salary expectation
- Q2. It is everyone's job to increase the salary and post of the employees after seeing their hard work
- Q3. Work experience
- Q4. Income analysis
- 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...
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
Interview Preparation Tips
Area Credit Manager Interview Questions & Answers
Mahindra Rural Housing Finance
Anonymous
posted on 7 Jun 2024
Selected
(2 Questions)
- Q1. About work history
- Q2. About domain knowledge
(1 Question)
- Q1. About Salary and others
Credit Risk Analyst Interview Questions & Answers
Muthoot Finance
Shefali Jain
posted on 26 Mar 2024
(2 Questions)
- Q1. What is your previous work process.
- Q2. What is the maximum limit of loan you deals with.
- Ans.
As a Credit Risk Analyst, I typically deal with loan limits ranging from $10,000 to $1,000,000 depending on the client's creditworthiness.
Loan limits can vary based on the client's credit score, income, and financial history.
I have experience analyzing and approving loans ranging from small personal loans to large commercial loans.
The maximum loan limit I have dealt with is $1,000,000 for a commercial real estate proje...
I applied via campus placement at Institute of Insurance and Risk management, Hyderabad and was interviewed in Jan 2024. There were 2 interview rounds.
GD was about Role of technology in NBFC
(1 Question)
- Q1. Tell me about role ? How do you assess credit worthiness?
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Tata Capital Senior Manager Credit Reviews and Ratings
based on 4 reviews
Rating in categories
|
Sales Manager
461
salaries
|  ₹3 L/yr - ₹10.5 L/yr |
|
Credit Manager
433
salaries
| ₹4.1 L/yr - ₹13.1 L/yr |
|
Collections Manager
323
salaries
| ₹2.4 L/yr - ₹10.8 L/yr |
|
Manager
320
salaries
| ₹5.3 L/yr - ₹18 L/yr |
|
Relationship Manager
297
salaries
| ₹4.5 L/yr - ₹16.2 L/yr |
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