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Aadhar Housing Finance Interview Questions and Answers
44 Interview questions
The PD process involves assessing credit risk through data analysis, borrower evaluation, and ongoing monitoring.
1. Data Collection: Gather financial statements, credit reports, and other relevant data to assess the borrower's creditworthiness.
2. Risk Assessment: Analyze the data to identify potential risks, using metrics like credit scores and debt-to-income ratios.
3. Borrower Evaluation: Conduct interviews or su...
My target percentage is typically set at 120% of my quota, reflecting my commitment to exceeding expectations and driving results.
I consistently aim for 120% of my sales quota, which motivates me to push beyond the standard expectations.
For example, if my quarterly target is $100,000, I strive to achieve $120,000.
This target percentage allows me to account for market fluctuations and unforeseen challenges.
I also a...
Detail-oriented professional with experience in credit processing and a strong background in finance and customer service.
Over 5 years of experience in credit processing and risk assessment.
Skilled in analyzing credit reports and financial statements to make informed decisions.
Proficient in using credit processing software and tools to streamline operations.
Strong communication skills, enabling effective collabora...
In a conflict with my manager over case allocation, I would prioritize communication and seek a collaborative solution.
Open Communication: I would discuss my concerns with my manager, explaining the importance of focusing on fresh bounce and 1-30 day cases for optimal recovery.
Clarify Responsibilities: I would refer to the allocation guidelines to ensure clarity on my designated responsibilities and the rationale ...
In case of a customer refusing to pay an EMI, I would employ effective communication and negotiation strategies to resolve the issue.
Establish Rapport: I would start by building a connection with the customer, understanding their situation, and showing empathy towards their financial difficulties.
Listen Actively: I would listen to the customer's concerns and reasons for non-payment, which can help in finding a mut...
Proactively seek learning opportunities and resources to enhance skills despite managerial obstacles.
Utilize online resources: Platforms like Coursera or LinkedIn Learning offer courses on office systems.
Network with colleagues: Engage with coworkers who have the skills I want to learn and ask for mentorship.
Request shadowing opportunities: Politely ask to observe colleagues during their office tasks to gain pract...
In a challenging situation, prioritize empathy and compliance while seeking solutions for the customer's outstanding EMI.
Empathy: Acknowledge the customer's passing and express condolences to their family, showing compassion in a difficult time.
Legal Considerations: Understand the legal implications of collecting debt from a deceased person's estate and follow appropriate procedures.
Communication: Inform your mana...
A Branch Collection Manager may pay a customer's EMI to maintain relationships and ensure loan recovery, demonstrating empathy and support.
Customer Retention: By paying the EMI, the BCM can help retain a customer who may be facing temporary financial difficulties, ensuring future business.
Building Trust: This act can foster trust and loyalty, as customers may feel valued and supported during tough times, leading t...
Property identification involves recognizing and documenting real estate assets for management and valuation purposes.
Conduct a site survey to assess the physical characteristics of the property.
Review legal documents such as deeds and titles to confirm ownership.
Utilize GIS technology to map property boundaries and features.
Engage with local authorities to verify zoning and land use regulations.
Example: Identifyi...
Property verification involves assessing ownership, legal status, and any encumbrances on a property.
Conduct a title search to confirm ownership and check for liens.
Verify property boundaries through surveys or local records.
Review zoning laws and land use regulations applicable to the property.
Check for any outstanding taxes or assessments on the property.
Inspect the property for physical condition and compliance...
Aadhar Housing Finance Interview Experiences
105 interviews found
Anonymous
I applied via Referral and was interviewed in Nov 2024. There were 12 interview rounds.
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Interview Preparation Tips
(5 Questions)
- Q1. What's this criteria of lone
- Ans.
The criteria of lone refers to the requirements or qualifications for someone to be considered for a loan.
Credit score is a key criteria for loan approval
Income level and employment history are also important factors
Debt-to-income ratio is often considered by lenders
Collateral may be required for certain types of loans
- Q2. Customer service
- Q3. Customer elegibility
- Q4. Rate of interestfor customerfevers
- Ans.
The rate of interest for customer loans is determined based on various factors such as credit score, loan amount, and market conditions.
Interest rates for customer loans can vary depending on the type of loan (e.g. personal loan, mortgage, auto loan)
Factors such as credit score, loan amount, loan term, and market conditions can influence the interest rate offered to customers
Lenders may also consider the borrower's inc...
- Q5. Good service for customer
Interview Preparation Tips
I applied via Job Portal and was interviewed in Dec 2024. There were 3 interview rounds.
Error detection in C++, Java, Python, and PHP.
Apti was easy ery basic topics
Master java very core
Interview Preparation Tips
Selected
I appeared for an interview in May 2025, where I was asked the following questions.
- Q1. What is total work experience?
- Ans.
Total work experience refers to the cumulative duration of professional employment across various roles and industries.
Includes all relevant positions held in different organizations.
For example, if you worked as a loan officer for 3 years and a credit analyst for 2 years, your total work experience is 5 years.
Internships and part-time jobs in the field also contribute to total work experience.
Experience in related fie...
- Q2. How you do the PD process?
- Ans.
The PD process involves assessing credit risk through data analysis, borrower evaluation, and ongoing monitoring.
1. Data Collection: Gather financial statements, credit reports, and other relevant data to assess the borrower's creditworthiness.
2. Risk Assessment: Analyze the data to identify potential risks, using metrics like credit scores and debt-to-income ratios.
3. Borrower Evaluation: Conduct interviews or surveys...
Interview Preparation Tips
I appeared for an interview in Jun 2025, where I was asked the following questions.
- Q1. What does "retail" refer to?
- Ans.
Retail refers to the sale of goods or services directly to consumers for personal use.
Retail involves selling products in physical stores, like grocery stores or clothing shops.
It can also include online sales through e-commerce platforms like Amazon or eBay.
Retailers purchase goods from wholesalers or manufacturers and sell them at a markup.
Examples of retail sectors include fashion, electronics, groceries, and home g...
- Q2. What are your hobbies?
- Ans.
I enjoy woodworking, hiking, and volunteering, which help me develop patience, problem-solving skills, and a sense of community.
Woodworking: I create furniture and decor, enhancing my attention to detail and creativity.
Hiking: I explore nature trails, which keeps me physically active and mentally refreshed.
Volunteering: I assist in community projects, fostering teamwork and leadership skills.
I appeared for an interview in Aug 2024.
(5 Questions)
- Q1. What is your name
- Ans.
My name is John Smith.
Full name is John Smith
Common name in English-speaking countries
Easy to remember and pronounce
- Q2. My name is Dharma kharia
- Q3. I was pathali bam tarajan
- Q4. What is your DIST name live
- Ans.
My DIST name live is District 12, known for its strong community and dedication to safety.
District 12 is located in the northern region of the city.
The residents of District 12 actively participate in neighborhood watch programs.
District 12 has a low crime rate due to the vigilance of its residents.
- Q5. I was dibrugarh
I applied via Company Website and was interviewed in Sep 2024. There was 1 interview round.
(2 Questions)
- Q1. What is bdd framework?
- Ans.
BDD framework stands for Behavior Driven Development framework, which focuses on the behavior of the system from the end user's perspective.
BDD framework helps in collaboration between developers, testers, and business stakeholders.
It uses natural language specifications to define the behavior of the system.
Popular BDD frameworks include Cucumber, JBehave, and SpecFlow.
Scenarios are written in a Given-When-Then format ...
- Q2. What is decorators?
- Ans.
Decorators are a design pattern in Python that allows you to add new functionality to an existing object without modifying its structure.
Decorators are functions that take another function as an argument and extend its behavior without explicitly modifying it.
They are commonly used in Python to modify or extend the behavior of functions or methods.
Decorators are denoted by the @ symbol followed by the name of the decor...
Skills evaluated in this interview
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Duration of the india being developed
Duration of India in the Independance
(2 Questions)
- Q1. Tell me about yourself
- Ans.
Experienced supervisor with strong leadership skills and a proven track record of successfully managing teams and projects.
Over 5 years of experience in supervisory roles
Skilled in team building, conflict resolution, and performance management
Successfully led a team to exceed project goals by 20% in the last quarter
- Q2. What are the strength
- Ans.
My strengths include strong communication skills, effective problem-solving abilities, and the ability to motivate and lead a team.
Strong communication skills - able to effectively convey information and instructions to team members
Effective problem-solving abilities - able to quickly identify and address issues that arise in the workplace
Ability to motivate and lead a team - able to inspire and guide team members towa...
Interview Preparation Tips
Selected
I appeared for an interview in Mar 2025, where I was asked the following questions.
- Q1. Target based plan
- Q2. Earn more n more incentive
Top trending discussions
Aadhar Housing Finance Interview FAQs
Some of the top questions asked at the Aadhar Housing Finance interview -
The duration of Aadhar Housing Finance interview process can vary, but typically it takes about less than 2 weeks to complete.
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Aadhar Housing Finance Interviews By Designations
- Aadhar Housing Finance Branch Credit Manager Interview Questions
- Aadhar Housing Finance Branch Sales Manager Interview Questions
- Aadhar Housing Finance Sales Executive Interview Questions
- Aadhar Housing Finance Supervisor Interview Questions
- Aadhar Housing Finance Brach Operation Manager Interview Questions
- Aadhar Housing Finance Accountant Interview Questions
- Aadhar Housing Finance Relationship Manager Interview Questions
- Aadhar Housing Finance Intern Interview Questions
- Show more
Interview Questions for Popular Designations
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- Branch Credit Manager Interview Questions
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Overall Interview Experience Rating
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Aadhar Housing Finance Reviews and Ratings
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Rating in categories
5-8 Yrs
Not Disclosed
8-10 Yrs
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8-10 Yrs
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|
Branch Credit Manager
302
salaries
|  ₹2.5 L/yr - ₹6.5 L/yr |
|
Branch Sales Manager
295
salaries
| ₹3.1 L/yr - ₹7 L/yr |
|
Brach Operation Manager
251
salaries
| ₹2.6 L/yr - ₹6.6 L/yr |
|
Sales Manager
188
salaries
| ₹2.5 L/yr - ₹5.4 L/yr |
|
Relationship Officer
179
salaries
| ₹1.5 L/yr - ₹3.5 L/yr |
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