L&T Finance

1. Application

Candidates apply through the L&T Finance careers page, campus placement drives, job portals or employee referrals for credit, sales, risk and support functions. Openings are posted for branch, regional and head-office roles across the company's rural, retail and housing finance businesses.

2. Resume screening

Recruiters shortlist based on academic background, relevant experience in NBFC or banking lending roles, and fit with the specific product line being staffed. Prior exposure to two-wheeler, farm equipment or personal loan portfolios is treated favourably for lateral hires.

3. Online assessment

Many roles include an aptitude and reasoning test, with credit and risk roles sometimes adding basic finance and numerical ability questions. Sales-oriented roles may instead face a situational judgement test on handling customer and territory scenarios.

4. Functional or credit interview

A round with a business or credit manager tests understanding of loan products, credit assessment logic and, for sales roles, ability to manage a geographic territory. Expect questions grounded in everyday branch scenarios rather than abstract theory.

5. Manager or panel round

A discussion with senior managers on past achievements, target-driven work and comfort operating in a field-heavy, deadline-driven lending environment. This round also checks how candidates handle customer objections and repayment-related conversations.

6. HR discussion and offer

HR confirms compensation structure, incentive components and posting location, with offers typically shared within one to two weeks. Final joining is subject to reference checks and submission of required documents.

L&T Finance's rounds combine an assessment of numerical and credit reasoning with interviews that check field readiness, reflecting its identity as a large retail-lending NBFC.

Round 1: Online assessment

Taken remotely or at a centre, this stage covers quantitative aptitude, logical reasoning and, for credit or risk roles, basic accounting and ratio-analysis questions.

• Percentages, interest calculations and ratios
• Logical reasoning and data interpretation
• Basic accounting concepts for finance roles

Round 2: Functional or credit interview

A business or credit manager evaluates understanding of the relevant loan product, ability to read a borrower's repayment capacity, and awareness of NBFC lending risk.

• How you would assess a small borrower's creditworthiness
• Key risks in two-wheeler or rural finance lending
• Reading basic financial statements

Round 3: Manager or panel round

Senior managers assess sales or operational achievements, target orientation, and comfort with fieldwork, travel and collections pressure that comes with retail lending roles.

• Describe a target you exceeded and how
• Handling a customer default or delayed payment

Round 4: HR and final round

The closing round covers compensation structure including fixed and incentive pay, posting location, and joining timeline, along with a cultural-fit check.

• Why retail lending as a career choice
• Willingness to work across branch or field locations