Ugro Capital State Credit Manager Interview Questions and Answers

Q1. How will you assess the customer with low cibil score
Ans. 
Assessing customers with low cibil score involves analyzing their credit history, financial stability, and potential risk factors.
• Review the customer's credit report to understand the reasons for the low CIBIL score

• Assess the customer's current financial situation, including income, expenses, and existing debts

• Consider any extenuating circumstances that may have led to the low CIBIL score, such as medical emergencies o...read more
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Q2. Volume of files handled and approval to login ratio
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The volume of files handled and approval to login ratio is a key metric to assess efficiency and productivity.
• The volume of files handled refers to the number of credit applications or cases processed by the credit manager within a specific time frame.

• Approval to login ratio indicates the percentage of credit applications approved compared to the total number of applications logged in by the credit manager.

• A high volum...read more
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Q1. Qualification or education
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Q2. General round and etc
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Q1. Salary expectation
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Q2. It is everyone's job to increase the salary and post of the employees after seeing their hard work
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Q3. Work experience
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Q4. Income analysis
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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...read more
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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

Focus on financial management topic

In which our knowledge put as per situation

Q1. Previous year skills and salary
Ans. 
The candidate should discuss their skills and salary from the previous year.
• Discuss the relevant skills acquired in the previous year.

• Mention any certifications or training completed.

• Highlight achievements or projects completed.

• Discuss the salary range from the previous year.

• Explain any salary increments or bonuses received.
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Q1. Skills and knowledge of product
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Q2. Grip on work and product also team handles
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Q1. Discussion credit understanding only
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Q2. Self introduction
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Q3. General discussion
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Q1. Credit appraisal,credit worhiness
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Q2. Maintain branch dignity
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Q3. Approval and rejection
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Q1. Credit appraisal credit worhiness
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All related to decision making,General questions all about decision making, simple arithmetic and reasoning question but you have answer maximum number of questions in very low time that's the main task

Q1. About credit based on your past assignments and related to PD, technical,legal,, CIBIL, other related to credit underwriting and etc.,
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Q2. Credit related questions
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Q1. Simple template only product questions
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Q2. Simply finished, there is no hardly
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Q3. There is no hard, easily good
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Q4. Way of tata making the most beautiful
Ans. 
The question is unclear and not related to credit management.
• The question is not related to credit management and seems to be incomplete or irrelevant.

• Without further context or clarification, it is impossible to provide a meaningful answer.

• It is important to ask relevant and clear questions in an interview to assess a candidate's qualifications and skills.
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