UC Inclusive Credit Investment Analyst Interview Questions and Answers

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
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Q2. What's knowledge of about secured loan vertical
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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
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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
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Q2. Types of assets
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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.
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Q3. Advance Excel knowledge
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Q4. Excel Vlookup & pivot table
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Q5. Different between gross profit and net profit
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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
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Q6. Advance excel formula
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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.
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Q1. WITH CREDIT RELATED
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Q2. CIBIL AND OBLIGATION
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Q1. Brief on kind of work done in earlier job
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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
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Q1. Not asking for everyone
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Q2. Based on situation only, would be take car upto 12 Months repayment customer
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Working capital gap? Can explain in detail

Q1. Tell about our current job
Ans. 
The current job is the position of Branch Credit Manager.
• Responsible for managing credit operations and ensuring compliance with credit policies and procedures.

• Evaluate creditworthiness of customers and make decisions on credit approvals and limits.

• Monitor and analyze credit portfolio performance and identify potential risks.

• Collaborate with sales teams to support credit decisions and resolve credit-related issues.

• Main...read more
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Q1. Discuss about product knowledge
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Q1. Salary discussion
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Q1. Company basic knowledge & hard work honesty
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Q2. Wher is Location previous company experience total experience
Ans. 
I have previous experience as a Credit Manager in Mumbai with a total of 5 years of experience.
• Previous company experience as a Credit Manager in Mumbai

• Total experience of 5 years

• Experience in managing credit risk, analyzing financial statements, and evaluating creditworthiness
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Q1. How many years of experience
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Q2. What is your Expected salary
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Credit Appraisal, Verification on basis of eligibility