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based on 617 Reviews

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Vastu Housing Finance Credit Officer Interview Questions and Answers

Updated 24 May 2021

Vastu Housing Finance Credit Officer Interview Experiences

1 interview found

Credit Officer Interview Questions & Answers

user image Anonymous

posted on 24 May 2021

I applied via campus placement at Mata Gujari Mahila College, Jabalpur and was interviewed before May 2020. There was 1 interview round.

Interview Questionnaire 

2 Questions

  • Q1. What will you do if customer does not have income proof
  • Ans. 

    I will explore alternative sources of income verification and assess the customer's creditworthiness based on other factors.

    • Ask the customer if they have any other documents that can prove their income, such as bank statements or tax returns

    • Consider alternative methods of income verification, such as verifying employment directly with the customer's employer

    • Assess the customer's creditworthiness based on other factors,...

    • Answered by AI
    View 3 more answers
  • Q2. Kaccha record, sales bill, purchase bill, banking
    • Add your answer

Interview Preparation Tips

Interview preparation tips for other job seekers - Don't join

Top trending discussions

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Interview Tips & Stories
2d (edited)
engagingstriker
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student at
SRM Institute of Science & Technology, Chennai
Suggestion to learn new stack after React
I work for a small startup on React. In our company they use fastAPI, ML, RAG models etc they work Chatbots etc I don't think they will give an opportunity to work on that to me. So, I have like 1 year of experience in ReactJs. I am good at react. Which technology would be the best to explore ???? I have thoughts of working on java backend but I don't have any experience in java. I too have very little. I am more happy to code in python. Should I learn python, javascript based backend. I like python and js based backend work only. But I see everywhere companies only hire for Java backend only 😢 any suggestions guys please. Guide me
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Cluster Credit Manager Interview Questions & Answers

Kotak Securities user image Anonymous

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Interview experience
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Difficulty level
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Round 1 - Aptitude Test 

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Round 2 - Group Discussion 

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Branch Credit Manager Interview Questions & Answers

Aadhar Housing Finance user image Anonymous

posted on 30 Oct 2023

Interview experience
4
Good
Difficulty level
Easy
Process Duration
Less than 2 weeks
Result
Selected Selected

I applied via Referral and was interviewed in Sep 2023. There were 3 interview rounds.

Round 1 - Resume Shortlist 
Pro Tip by AmbitionBox:
Keep your resume crisp and to the point. A recruiter looks at your resume for an average of 6 seconds, make sure to leave the best impression.
View all tips
Round 2 - One-on-one 

(1 Question)

  • Q1. Good hr policy and good to talk
    • Add your answer
Round 3 - Group Discussion 

Tcm rcm and zbh taken interview

Interview Preparation Tips

Interview preparation tips for other job seekers - Always speak truth

Credit Manager Interview Questions & Answers

ICICI Home Finance user image Anonymous

posted on 27 Jun 2023

Interview experience
4
Good
Difficulty level
Moderate
Process Duration
Less than 2 weeks
Result
Selected Selected

I applied via campus placement at Chitkara Business School, Patiala and was interviewed in Dec 2022. There were 3 interview rounds.

Round 1 - Resume Shortlist 
Pro Tip by AmbitionBox:
Don’t add your photo or details such as gender, age, and address in your resume. These details do not add any value.
View all tips
Round 2 - Technical 

(1 Question)

  • Q1. Tell us about financial ratios, what do you understand from bank statement of a person?
  • Ans. 

    Financial ratios are tools used to analyze a company's financial performance and health. Bank statements provide a snapshot of an individual's financial transactions and balances.

    • Financial ratios are used to evaluate a company's profitability, liquidity, solvency, and efficiency.

    • Examples of financial ratios include debt-to-equity ratio, current ratio, return on equity, and gross margin.

    • Bank statements show a person's i...

    • Answered by AI
    Add your answer
Round 3 - HR 

(1 Question)

  • Q1. How long do you see with our company
    • Add your answer

Credit Analyst Interview Questions & Answers

Morningstar user image Anonymous

posted on 24 Mar 2024

Interview experience
3
Average
Difficulty level
Easy
Process Duration
Less than 2 weeks
Result
Selected Selected

I applied via Company Website and was interviewed before Mar 2023. There were 2 interview rounds.

Round 1 - Technical 

(2 Questions)

  • Q1. What is DSCR? How is it important?
  • Ans. 

    DSCR stands for Debt Service Coverage Ratio. It is a financial metric used to evaluate a company's ability to pay its debt obligations.

    • DSCR is calculated by dividing a company's operating income by its total debt service obligations.

    • A DSCR of 1 or higher indicates that a company is generating enough income to cover its debt payments.

    • Lenders often use DSCR to assess the creditworthiness of a borrower before extending a ...

    • Answered by AI
    Add your answer
  • Q2. What ratios are important and why?
  • Ans. 

    Important ratios for credit analysis include debt-to-equity, current ratio, and interest coverage ratio.

    • Debt-to-equity ratio: Indicates the proportion of debt used to finance a company's assets. A lower ratio is generally preferred.

    • Current ratio: Measures a company's ability to cover its short-term liabilities with its short-term assets. A ratio above 1 is ideal.

    • Interest coverage ratio: Shows a company's ability to pay...

    • Answered by AI
    Add your answer
Round 2 - HR 

(2 Questions)

  • Q1. Tell me something about yourself?
    • Add your answer
  • Q2. What did you do in your last organisation?
    • Add your answer

Interview Preparation Tips

Interview preparation tips for other job seekers - Just be yourself. Keep calm and answer what you know

Credit Underwriter Interview Questions & Answers

SBI Cards & Payment Services user image Krishna “Krishna Kr” Kr

posted on 28 May 2022

Round 1 - Aptitude Test 

There will be some question related to aptitude you to clear it for 2nd round

Round 2 - HR 

(1 Question)

  • Q1. Hr will connect you for introduction and basic info and payout
    • Add your answer
Round 3 - One-on-one 

(1 Question)

  • Q1. Final round will be conduct by process manager
    • Add your answer

Interview Preparation Tips

Interview preparation tips for other job seekers - Be prepared for product knowledge, comm skill

Branch Credit Manager Interview Questions & Answers

Aadhar Housing Finance user image Anonymous

posted on 23 Apr 2022

I was interviewed before Apr 2021.

Round 1 - Resume Shortlist 
Pro Tip by AmbitionBox:
Properly align and format text in your resume. A recruiter will have to spend more time reading poorly aligned text, leading to high chances of rejection.
View all tips
Round 2 - One-on-one 

(3 Questions)

  • Q1. Good experience
    • Add your answer
  • Q2. Discuss properly CTC
    • Add your answer
  • Q3. As per experience current organisation and basr current CTC high
    • Add your answer

Interview Preparation Tips

Interview preparation tips for other job seekers - Ok

Credit Underwriter Interview Questions & Answers

SBI Cards & Payment Services user image Anonymous

posted on 2 Apr 2023

Interview experience
4
Good
Difficulty level
Moderate
Process Duration
2-4 weeks
Result
Selected Selected

I applied via Recruitment Consulltant and was interviewed before Apr 2022. There were 2 interview rounds.

Round 1 - Resume Shortlist 
Pro Tip by AmbitionBox:
Double-check your resume for any spelling mistakes. The recruiter may consider spelling mistakes as careless behavior or poor communication skills.
View all tips
Round 2 - Technical 

(3 Questions)

  • Q1. Relevant job experience
    • Add your answer
  • Q2. How credit cards works
  • Ans. 

    Credit cards allow consumers to borrow money from a bank or financial institution to make purchases.

    • Credit cards have a credit limit, which is the maximum amount of money that can be borrowed.

    • When a purchase is made using a credit card, the bank or financial institution pays the merchant on behalf of the consumer.

    • The consumer then has to pay back the borrowed amount, along with any interest and fees, to the bank or fin...

    • Answered by AI
    Add your answer
  • Q3. Team handling experience
    • Add your answer

Interview Preparation Tips

Interview preparation tips for other job seekers - Be confident and relevant industry experience will work. Also, expect questions regarding credit card process

Branch Credit Manager Interview Questions & Answers

Aadhar Housing Finance user image Anonymous

posted on 26 May 2022

I applied via Recruitment Consulltant and was interviewed in Apr 2022. There were 3 interview rounds.

Round 1 - Resume Shortlist 
Pro Tip by AmbitionBox:
Do not use an unprofessional email address such as cool_boy@email.com. It shows a lack of professionalism by the candidate.
View all tips
Round 2 - Case Study 

Underwriting Skills with product Knowledge, Shortlist with reporting Manager discussion.

Round 3 - HR 

(1 Question)

  • Q1. HR Policies, benifit, etc
    • Add your answer

Interview Preparation Tips

Topics to prepare for Aadhar Housing Finance Branch Credit Manager interview:
  • Underwriting
Interview preparation tips for other job seekers - Grow your career in your interested fields, Grow your skills work with experience colleagues, listen, learn, ask than speak.

Branch Credit Manager Interview Questions & Answers

Aadhar Housing Finance user image Anonymous

posted on 3 Mar 2022

I applied via Newspaper Ad and was interviewed in Feb 2022. There was 1 interview round.

Round 1 - Interview 

(1 Question)

  • Q1. Basic knowledge of current working.
    • Add your answer

Interview Preparation Tips

Interview preparation tips for other job seekers - Please clear basic knowledge on your current work.....
Because basic knowledge is most important tool to crack every interview.
More about working at Vastu Housing Finance
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Vastu Housing Finance Interview FAQs

What are the top questions asked in Vastu Housing Finance Credit Officer interview?

Some of the top questions asked at the Vastu Housing Finance Credit Officer interview -

  1. What will you do if customer does not have income pr...read more
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Vastu Housing Finance Credit Officer Interview Process

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Fast track your campus placements

Mata Gujari Mahila College, Jabalpur Placement Questions
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Vastu Housing Finance Credit Officer Salary
based on 18 salaries
₹2.5 L/yr - ₹4 L/yr
12% less than the average Credit Officer Salary in India
View more details

Vastu Housing Finance Credit Officer Reviews and Ratings

based on 15 reviews

4.4/5

Rating in categories

4.2

Skill development

4.1

Work-life balance

4.1

Salary

4.2

Job security

4.4

Company culture

4.2

Promotions

4.2

Work satisfaction

Explore 15 Reviews and Ratings
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