Ujjivan Small Finance Bank Credit Manager Interview Questions and Answers for Experienced

Q1. Interesting interview session with Cluster Credit Manager, State Credit Head and HR
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Q2. No its confidential
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Q1. Past experience and work ethics
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Q2. Manual process and enquiry
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Credit related questions

Market strategy business development

Business penetration Maintain

Q1. About Job Related questions
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Q1. Salary Discussion and personal Discussion
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Q1. What is DSCR and ISCR
Ans. 
DSCR stands for Debt Service Coverage Ratio and ISCR stands for Interest Service Coverage Ratio.
• DSCR measures a company's ability to pay its debt obligations with its operating income.

• A DSCR of 1 means the company is just able to cover its debt payments, while a DSCR above 1 indicates the company has more income than debt obligations.

• ISCR measures a company's ability to pay its interest expenses with its operating inco...read more
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Q2. LTV ratio in LAP
Ans. 
LTV ratio in LAP refers to the Loan to Value ratio in Loan Against Property.
• LTV ratio is calculated by dividing the loan amount by the market value of the property.

• It helps in determining the risk associated with the loan.

• A lower LTV ratio indicates lower risk for the lender.

• For example, if a property is valued at $500,000 and the loan amount is $300,000, the LTV ratio would be 60%.
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Q1. What is your role and profile in company?
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Q2. Work related questions
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Q3. Sanctioning and deviation authority
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Q1. Salary and Compensation
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Q2. Documention processing
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Q1. Tell me your personal details
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Q2. Why do you want to join this job
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Q1. Tell me about yourself Question based on my articleship experience. Assessment of loan
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Q2. Why you join banking Some industry based question
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