TJSB Sahakari Bank Assistant Manager Project Management Interview Questions and Answers

I use various marketing strategies to promote gold loans and attract potential customers.

• Conduct market research to identify potential customers

• Develop marketing campaigns targeting specific demographics

• Collaborate with local businesses to offer referral incentives

• Utilize social media and online advertising to reach a wider audience

• Attend community events and networking opportunities to promote services

• Provide excellen...read more

FOIR and IIR are ratios used by lenders to assess the creditworthiness of borrowers.

• FOIR stands for Fixed Obligation to Income Ratio and is calculated by dividing the borrower's fixed obligations (such as loan EMIs, rent, etc.) by their monthly income.

• IIR stands for Installment to Income Ratio and is calculated by dividing the borrower's total loan installments by their monthly income.

• Both ratios help lenders determine...read more

PD with customer involves assessing the probability of default for a borrower.

• Gather information about the customer's financial history and current situation

• Analyze the data to determine the likelihood of default

• Consider external factors such as economic conditions and industry trends

• Use a credit scoring model or other tools to assist in the assessment

• Communicate the findings to the customer and make recommendations fo...read more

Credit 5Cs is a framework used by lenders to evaluate the creditworthiness of a borrower.

• The 5Cs are Character, Capacity, Capital, Collateral, and Conditions.

• Character refers to the borrower's reputation and credit history.

• Capacity refers to the borrower's ability to repay the loan.

• Capital refers to the borrower's assets and net worth.

• Collateral refers to the assets that can be used as security for the loan.

• Conditions ...read more