Tata Group Senior Commercial Officer Interview Questions and Answers

Q1. Excel test on shared screen
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Q2. Explain FPNA, What was your role in last org.,
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Q3. Why you want to leave
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Q4. Have you ever worked on any project
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Q5. Where do you see your self in 5 years ?
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Q1. What is lending, explain about
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Lending is the act of providing money or assets to another party with the expectation of repayment.
• Lending involves a lender providing funds to a borrower with the expectation of receiving interest and principal repayment.

• Lending can take many forms, including personal loans, mortgages, and business loans.

• Lenders may require collateral or a credit check to mitigate risk.

• Interest rates and repayment terms vary depending...read more
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Q2. What is disbursement amount
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Disbursement amount refers to the total amount of money paid out by a lender to a borrower.
• It is the amount of money that a borrower receives from a lender after the loan is approved.

• It includes the principal amount as well as any interest or fees that may be charged.

• Disbursement amount can vary depending on the type of loan and the lender's policies.

• For example, in a mortgage loan, the disbursement amount may be paid ...read more
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Negative or postive , working style,emergency attend etc

Q1. Current role details
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Q1. Ratio used for credit analysis How do you analyse the credit capacity of the corporate
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Credit analysis ratio and methods for corporate credit capacity analysis
• Ratio used for credit analysis includes debt-to-equity ratio, current ratio, and interest coverage ratio

• Credit capacity analysis involves assessing the company's financial statements, credit history, and industry trends

• Other factors to consider include management quality, market position, and economic conditions

• Credit rating agencies such as Moody'...read more
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