UC Inclusive Credit Investment Analyst Interview Questions and Answers

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

Q1. Previous work details
Add your answer
Q2. Why want to change
Ans. 
Seeking new challenges and growth opportunities in a larger organization.
• Desire for career advancement

• Interest in taking on more responsibilities

• Looking for a change in work environment

• Seeking better compensation or benefits

• Wanting to work for a more reputable company
Answered by AI
Add your answer
Q3. How to evaluate a customer for credit worthiness
Ans. 
Evaluate customer credit worthiness by analyzing financial history, credit score, income, and payment behavior.
• Check credit score and credit history

• Analyze income and employment stability

• Review payment behavior on previous debts

• Consider debt-to-income ratio

• Look for any outstanding loans or bankruptcies

• Evaluate the length of credit history
Answered by AI
View 1 more answer
Q4. Situation based question
Add your answer
Q5. Why want to join hdb
Ans. 
I want to join HDB because of its strong reputation in the industry and the opportunities for growth and development.
• HDB has a strong reputation in the industry for providing excellent financial services

• I am impressed by HDB's commitment to employee growth and development

• I believe that my skills and experience align well with the values and goals of HDB
Answered by AI
Add your answer

Q1. What's your product in previous organisation
Ans. 
In my previous organization, the product I managed was a range of personal loans tailored to meet the financial needs of individual customers.
• Managed a portfolio of personal loans

• Analyzed creditworthiness of applicants

• Developed strategies to increase loan disbursement

• Collaborated with sales team to drive product awareness
Answered by AI
Add your answer
Q2. What's knowledge of about secured loan vertical
Ans. 
Knowledge of secured loan vertical involves understanding the process of lending money with collateral as security.
• Understanding the concept of collateral and its importance in securing loans

• Knowledge of different types of collateral that can be used in secured loans, such as real estate, vehicles, or investments

• Familiarity with the legal aspects of secured loans, including the rights and responsibilities of both the l...read more
Answered by AI
Add your answer

HR just will discuss just on salary negotiable

Q1. Types of liability
Ans. 
Types of liability include current liabilities, long-term liabilities, contingent liabilities, and deferred liabilities.
• Current liabilities are debts due within one year, such as accounts payable and short-term loans.

• Long-term liabilities are debts due in more than one year, such as bonds payable and long-term loans.

• Contingent liabilities are potential liabilities that depend on a future event, such as warranties and l...read more
Answered by AI
Add your answer
Q2. Types of assets
Ans. 
Assets can be classified into tangible and intangible assets.
• Tangible assets include physical items like property, equipment, and inventory.

• Intangible assets include intellectual property, patents, trademarks, and goodwill.
Answered by AI
Add your answer
Q3. Advance Excel knowledge
Add your answer
Q4. Excel Vlookup & pivot table
Add your answer
Q5. Different between gross profit and net profit
Ans. 
Gross profit is total revenue minus cost of goods sold, while net profit is gross profit minus operating expenses and taxes.
• Gross profit = Total revenue - Cost of goods sold

• Net profit = Gross profit - Operating expenses - Taxes

• Gross profit is the amount of money a company makes from selling goods or services before deducting expenses

• Net profit is the amount of money a company has left after deducting all expenses from
Answered by AI
Add your answer
Q6. Advance excel formula
Ans. 
Advance excel formula refers to complex functions and calculations used in Excel to manipulate data.
• Advanced excel formulas include VLOOKUP, INDEX-MATCH, SUMIFS, COUNTIFS, etc.

• These formulas are used to perform complex calculations, lookups, and data analysis.

• For example, VLOOKUP is used to search for a value in a table and return a corresponding value from another column.
Answered by AI
Add your answer

Q1. Basic questions regard credit underwriting
Add your answer

Q1. Brief on kind of work done in earlier job
Add your answer
Q2. How would to assess a credit proposal?
Ans. 
Assessing a credit proposal involves analyzing the borrower's financial history, creditworthiness, and ability to repay the loan.
• Review the borrower's credit report and score

• Analyze the borrower's income and expenses

• Evaluate the purpose of the loan and the borrower's ability to repay it

• Consider any collateral or guarantors offered by the borrower

• Assess the overall risk of the loan and make a recommendation
Answered by AI
Add your answer

Q1. Not asking for everyone
Add your answer
Q2. Based on situation only, would be take car upto 12 Months repayment customer
Add your answer

Working capital gap? Can explain in detail

Q1. How many years of experience
Add your answer
Q2. What is your Expected salary
Add your answer

Credit Appraisal, Verification on basis of eligibility