Acquisition Manager - Personal Loan

About the Role

The role of Acquisition Manager at IndusInd Bank involves managing personal loan acquisitions.

What You Should Know

• •FOIR (Fixed Obligation to Income Ratio) and how it caps loan eligibility
• •LTV (Loan-to-Value) ratio for secured loans like mortgages, vehicle and gold loans
• •Credit bureau score (CIBIL etc.) and how underwriters use it alongside the full bureau report
• •NPA classification stages - SMA-0/1/2, then NPA after 90 days overdue
• •Documentation for secured loans: income proof, KYC, collateral valuation, legal & technical verification

Interview Questions

1. 1.Walk me through how you'd underwrite a self-employed applicant with irregular income.
2. 2.What is FOIR and how would you calculate it for a salaried applicant?
3. 3.How does LTV differ between a home loan and a gold loan, and why?
4. 4.What red flags would make you decline or refer a loan application for further review?
5. 5.How do you balance disbursal-speed targets against credit quality?

Scenario-Based Questions

1. 1.An applicant's bureau score is borderline (650) but they have a strong banking relationship and stable income. How do you decide?
2. 2.You spot a discrepancy between the income stated on the application and the bank statement. What's your next step?
3. 3.A branch is pushing you to approve a loan faster than your standard TAT because the customer is considering a competitor. How do you respond?

Interview Tips

• •Be fluent in the loan lifecycle end-to-end: sourcing -> login -> underwriting -> sanction -> disbursal -> servicing.
• •Know the difference between policy-based (rule engine) and judgment-based underwriting, and where each applies.
• •If it's a fintech/NBFC role, expect questions on alternate data (UPI transaction history, utility bills) used for thin-file customers.