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ANZ Banking Group Credit Risk Analyst Interview Questions and Answers

Updated 21 Nov 2022

ANZ Banking Group Credit Risk Analyst Interview Experiences

2 interviews found

Credit Risk Analyst Interview Questions & Answers

user image SHASHANK KULSHRESHTHA

posted on 21 Nov 2022

I applied via Campus Placement and was interviewed in Oct 2022. There were 4 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 - Aptitude Test 

It was 30 minute MCQ test based on 5C's of credit and banking knowledge

Round 3 - Group Discussion 

Speak with facts and try to adding up your points

Round 4 - Technical 

(2 Questions)

  • Q1. First they will ask your introduction
  • Q2. They will give numericals to solve

Interview Preparation Tips

Interview preparation tips for other job seekers - Be ready and confident and all the best for your future prospects, always try to do mock PI before the actual one.

I appeared for an interview in Jul 2021.

Interview Questionnaire 

3 Questions

  • Q1. What all things you check before providing loan for a customer
  • Ans. 

    Before providing a loan, I check the customer's credit score, income, employment history, debt-to-income ratio, and collateral.

    • Credit score

    • Income

    • Employment history

    • Debt-to-income ratio

    • Collateral

  • Answered by AI
  • Q2. 5cs of credit
  • Ans. 

    The 5 Cs of credit are character, capacity, capital, collateral, and conditions.

    • Character refers to the borrower's credit history and reputation.

    • Capacity refers to the borrower's ability to repay the loan based on income and expenses.

    • Capital refers to the borrower's assets and net worth.

    • Collateral refers to assets that can be used as security for the loan.

    • Conditions refer to the purpose of the loan and economic conditi...

  • Answered by AI
  • Q3. Will you give loan for lady in maternity

Interview Preparation Tips

Interview preparation tips for other job seekers - first round was email etiquette, second buplas voice test and email writing and english grammer. after that operational round every thing they will ask about home loan processing. its was farely a avarage interview.

Credit Risk Analyst Interview Questions Asked at Other Companies

Q1. How would you impute missing value when we don't ant to use singl ... read more
Q2. How would you perform outlier analysis- detection and treatment?
Q3. what all things you check before providing loan for a customer
Q4. How would you perform variable selection before modelling/ multic ... read more
asked in HDFC Bank
Q5. How do you assess credit worthiness

Interview questions from similar companies

I applied via Referral and was interviewed before Jan 2020. There was 1 interview round.

Interview Questionnaire 

3 Questions

  • Q1. Technical questions like: how do you see in any profile to check the business viability and borrower's credit worth?
  • Q2. Update on short term and long term solvency ratio?
  • Ans. 

    Solvency ratio measures a company's ability to meet its debt obligations. Short term ratio focuses on current assets and liabilities, while long term ratio considers long term debt.

    • Short term solvency ratio is also known as the current ratio

    • It measures a company's ability to pay off its short term debts with its current assets

    • Formula: Current assets / Current liabilities

    • Long term solvency ratio is also known as the deb...

  • Answered by AI
  • Q3. Brief profile and back ground of candidate to check his commend on language.

Interview Preparation Tips

Interview preparation tips for other job seekers - Always use one language as a mode of communication and be vocal but sensible too.

I applied via Referral and was interviewed in Feb 2021. There was 1 interview round.

Interview Questionnaire 

15 Questions

  • Q1. Tell me about yourself
  • Q2. How would you perform outlier analysis- detection and treatment?
  • Ans. 

    Outlier analysis involves identifying and treating data points that are significantly different from the rest.

    • Identify outliers using statistical methods such as box plots, scatter plots, and z-scores.

    • Determine the cause of the outlier and decide whether to remove it or keep it in the dataset.

    • Consider the impact of outliers on the analysis and adjust the model accordingly.

    • Use techniques such as winsorization or data tr...

  • Answered by AI
  • Q3. How would you impute missing value when we don't ant to use single value for imputation?
  • Ans. 

    Multiple imputation can be used to impute missing values by creating multiple datasets with imputed values.

    • Use multiple imputation to create multiple datasets with imputed values

    • Combine the results from the multiple datasets to obtain a final imputed dataset

    • Consider using predictive models to impute missing values

    • Evaluate the quality of imputation using metrics such as mean squared error or R-squared

  • Answered by AI
  • Q4. How would you perform variable selection before modelling/ multicollinearity?
  • Ans. 

    Variable selection can be done using techniques like correlation matrix, stepwise regression, and principal component analysis.

    • Check for correlation between variables using correlation matrix

    • Use stepwise regression to select variables based on their significance

    • Perform principal component analysis to identify important variables

    • Check for multicollinearity using variance inflation factor (VIF)

    • Consider domain knowledge a...

  • Answered by AI
  • Q5. How would you test variable importance
  • Ans. 

    Variable importance can be tested using various methods such as permutation importance, drop column importance, and SHAP values.

    • Permutation importance involves randomly shuffling the values of a variable and measuring the decrease in model performance.

    • Drop column importance involves removing a variable from the model and measuring the decrease in model performance.

    • SHAP values provide a measure of the contribution of ea...

  • Answered by AI
  • Q6. What is Logistic Regression and when do we use it?
  • Ans. 

    Logistic Regression is a statistical method used to analyze and model the relationship between a binary dependent variable and one or more independent variables.

    • It is used when the dependent variable is binary (0 or 1).

    • It estimates the probability of an event occurring based on the values of the independent variables.

    • It is commonly used in credit risk analysis to predict the likelihood of default.

    • It can also be used in...

  • Answered by AI
  • Q7. How would you test model performance of classification models?
  • Ans. 

    Model performance of classification models can be tested using various metrics.

    • Use confusion matrix to calculate accuracy, precision, recall, and F1 score.

    • ROC curve and AUC can be used to evaluate model's ability to distinguish between positive and negative classes.

    • Cross-validation can be used to test model's performance on different subsets of data.

    • Use lift charts to compare model's performance with random selection.

    • U...

  • Answered by AI
  • Q8. What is Loss function in Logistic Regression?
  • Ans. 

    Loss function in Logistic Regression measures the difference between predicted and actual values.

    • It is used to optimize the model parameters during training.

    • The most common loss function used in logistic regression is the binary cross-entropy loss.

    • The goal is to minimize the loss function to improve the accuracy of the model.

    • The loss function is calculated using the predicted probabilities and the actual labels.

    • Other l...

  • Answered by AI
  • Q9. What is Xgboost? How it is different from Random Forest?
  • Ans. 

    Xgboost is a gradient boosting algorithm used for classification and regression tasks. It is faster and more accurate than Random Forest.

    • Xgboost stands for Extreme Gradient Boosting

    • It is a type of gradient boosting algorithm that uses decision trees

    • It is faster and more accurate than Random Forest

    • Xgboost uses a more regularized model formalization to control overfitting

    • Random Forest builds multiple decision trees and c...

  • Answered by AI
  • Q10. What loss function is used in Xgboost?
  • Ans. 

    The loss function used in Xgboost is customizable and can be specified by the user.

    • Xgboost supports various loss functions such as binary logistic regression, multi-class classification, and regression.

    • The default loss function for binary classification is logistic regression while for regression it is mean squared error.

    • Users can specify their own loss function by defining a custom objective and evaluation function.

    • Th...

  • Answered by AI
  • Q11. What are the parameters in Xgboost?
  • Ans. 

    Xgboost parameters include learning rate, max depth, subsample, colsample by tree, and more.

    • Learning rate controls the step size during training.

    • Max depth limits the depth of each tree.

    • Subsample controls the fraction of observations to be randomly sampled for each tree.

    • Colsample by tree controls the fraction of features to be randomly sampled for each tree.

    • Other parameters include min child weight, gamma, and lambda fo

  • Answered by AI
  • Q12. What is the use of Learning rate in Xgboost?
  • Ans. 

    Learning rate controls the step size at each boosting iteration in Xgboost.

    • Learning rate is a hyperparameter that determines the contribution of each tree in the final output.

    • A smaller learning rate requires more trees to be added to the model, but can lead to better performance.

    • A larger learning rate can speed up the training process, but may result in overfitting.

    • Typical values for learning rate range from 0.01 to 0....

  • Answered by AI
  • Q13. How would you measure relationship between two features?
  • Ans. 

    The relationship between two features can be measured using correlation coefficient.

    • Calculate the correlation coefficient using statistical methods.

    • Correlation coefficient ranges from -1 to 1.

    • A positive correlation indicates a direct relationship between the features.

    • A negative correlation indicates an inverse relationship between the features.

    • A correlation coefficient of 0 indicates no relationship between the feature

  • Answered by AI
  • Q14. What is p value and what it's interpretation?
  • Ans. 

    P value is the probability of obtaining a result as extreme or more extreme than the observed result, assuming the null hypothesis is true.

    • P value is used in hypothesis testing to determine the significance of a result.

    • A small p value (less than 0.05) indicates strong evidence against the null hypothesis.

    • A large p value (greater than 0.05) indicates weak evidence against the null hypothesis.

    • P value should not be used a...

  • Answered by AI
  • Q15. Given a 4 coordinates, write a memory efficient program to check if it's forming a square
  • Ans. 

    Program to check if 4 coordinates form a square

    • Calculate distance between all pairs of points

    • Check if all distances are equal

    • Check if diagonals are equal

    • Use Pythagorean theorem to calculate distance

  • Answered by AI

Interview Preparation Tips

Interview preparation tips for other job seekers - The questions were mostly around Classification and decision trees model as the role requires knowledge of classification model and also I worked on these topics. they asked questions to check understanding of basic concepts of these analytics techniques and models. There were some case study also related to programming.

Skills evaluated in this interview

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

I appeared for an interview before Apr 2023.

Round 1 - Aptitude Test 

Basic Finance questions were there from variety of topicsj

Round 2 - Technical 

(1 Question)

  • Q1. Questions related to derivative
Round 3 - Technical 

(1 Question)

  • Q1. Option greeks, vega profile
Interview experience
4
Good
Difficulty level
Moderate
Process Duration
Less than 2 weeks
Result
No response

I applied via Recruitment Consulltant and was interviewed in Jun 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. How to calculate EAD & PD?
  • Ans. 

    EAD is calculated using the formula EAD = Exposure at Default = PD x LGD x EAD

    • Calculate Probability of Default (PD) based on historical data and credit rating

    • Determine Loss Given Default (LGD) based on collateral or recovery rate

    • Use the formula EAD = PD x LGD x EAD to calculate Exposure at Default

  • Answered by AI
Round 3 - One-on-one 

(1 Question)

  • Q1. Difference between counterparty and credit risk?
  • Ans. 

    Counterparty risk is the risk of default by a party in a financial transaction, while credit risk is the risk of loss due to a borrower's failure to repay a loan.

    • Counterparty risk is specific to financial transactions involving parties such as banks, brokers, or counterparties in derivatives contracts.

    • Credit risk is more general and refers to the risk of loss due to a borrower's failure to repay a loan or meet other fi...

  • Answered by AI
Interview experience
4
Good
Difficulty level
-
Process Duration
-
Result
-

I applied via Campus Placement and was interviewed in Sep 2023. There were 4 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 - Aptitude Test 

It was a psychometric , value based and coding test

Round 3 - Aptitude Test 

It was a valued behaviour assessment

Round 4 - Coding Test 

It has technical questions

Interview Questionnaire 

4 Questions

  • Q1. One coding question.
  • Q2. Questions on Data Structures
  • Q3. Logical Question: You are a captive. If you say the right answer, the assasin will hang you, if you say the wrong answer, he will shoot you. How do you escape?
  • Q4. Other aptitude questions

Interview Preparation Tips

Round: Other Interview
Experience: One year since I took the interview, so no idea exactly what questions they asked. But I was asked to write the code on paper in front of him and was asked to debug it. Some puzzles and aptitude questions along with other basic coding questions. It was great that the guy was interactive and started asking about my projects and college life.
Btw the answer to the logical question is: I should say " you will shoot me". Paradoxical.
Tips: Feel free to ask anything that you would like to know from them. Also frankly say that you don't know a certain topic if you have no clue what it is about. They don't like people wasting their time.

Round: HR Interview
Experience: This was not exactly a technical interview. He asked me to write a code to find the day of week when a certain date in any year of the calendar is given. I answered it and then he starting asking general questions as to why do u want to join the company, etc.
I gave answers to most of them convincingly. But I kept him engaged by explaining my life at college, the extra curriculars I did at college. Also I asked him about his experience as a software engineer. I asked him to reflect upon his career and how I should approach about my career.
Tips: The best part about HR interviews is they expect you to ask them lots and lots of questions. The more they are engaged, the more are your chances of impressing and getting selected. And more importantly, ask the interviewer about his experience with the present firm. This also works with my manager when ever he has a one on one with me :P
Cheers and all the best.

Skills: Soft Skills, General Aptitude, LOGICAL THINKING ABILITIES, Coding Skills And Knowledge On Data Structures
College Name: IIT Hyderabad

I appeared for an interview before Jun 2016.

Interview Preparation Tips

Round: Resume Shortlist
Experience: Since it is a Finance profile, it would help if you have any finance /economics/ MBA projects to write about. DB looks for a good CPI and decent projects or extra curriculars and interest in the finance sector. It also wouldn?t hurt to mention your technical skills here.


Round: Test
Experience: And since most of the finance work in India is back office (with all due respect to all those who have been placed in this sector) you have to be comfortable with numbers and calculations. The test is a typical CAT type paper mostly concentrating on quantitative analysis and data interpretation. There is also a bonus finance section for those who have knowledge on the subject. Again practice cat type papers well and sit with a knowledgeable friend of yours to discuss topics in finance.

Tips: Realize when you are in a recession period. No job comes easy. Most of us who are not insanely intelligent like that one dude in your wing need to practice hard for the test to get through. In a recession/slack scenario core companies save the day. Don?t neglect your core courses.
Duration: 45 minutes

I appeared for an interview before Jun 2016.

Interview Questionnaire 

6 Questions

  • Q1. Tell me about yourself from the day u were born till today (Stopped mid way when I mentioned the finance course)
  • Q2. What is a Brownian motion? Properties of Brownian motion?
  • Ans. 

    Brownian motion is the random motion of particles in a fluid due to collisions with other particles.

    • Brownian motion was first observed by Robert Brown in 1827.

    • It is named after the botanist Robert Brown.

    • The motion is caused by the random movement of fluid molecules.

    • Brownian motion is a continuous-time stochastic process.

    • It is often used to model various phenomena in physics, finance, and biology.

    • Properties of Brownian ...

  • Answered by AI
  • Q3. What is a Martingale? What are Markov Processes? Is Martingale a Markov Process? Are Markov Processes Martingales?
  • Ans. 

    A Martingale is a mathematical concept used in probability theory and statistics. Markov Processes are stochastic processes that satisfy the Markov property.

    • A Martingale is a sequence of random variables where the expected value of the next variable, given the current and past variables, is equal to the current variable.

    • Markov Processes are stochastic processes where the future state depends only on the current state a...

  • Answered by AI
  • Q4. Then the HR guy asked me One trait of mine that I’m not proud of?
  • Q5. Then there was a puzzle m2 = n2 + 32294 ( It was also asked in last year’s interview)
  • Q6. Then there was another HR question, In a group would it be better for me to assume a leadership position or simply be a part of it? Why?

Interview Preparation Tips

Round: Test
Experience: The Maths section had questions on basic probability and statistics. Also the Maths section had a higher weight age than the other sections (Questions carrying 3 marks each while other sections had 1 or 2 marks for each question. They were here, offering a quant profile so that justifies the distribution.) The DI/Quant (2 marks each) and English (1 Mark Each) section were similar to CAT. The finance section had questions on Basic Accounting. Anyone who did well in the Maths section could find his name in the shortlist.

Round: Technical + HR Interview
Experience: Possible Lapses: I

ANZ Banking Group Interview FAQs

How many rounds are there in ANZ Banking Group Credit Risk Analyst interview?
ANZ Banking Group interview process usually has 4 rounds. The most common rounds in the ANZ Banking Group interview process are Resume Shortlist, Aptitude Test and Group Discussion.
How to prepare for ANZ Banking Group Credit Risk Analyst interview?
Go through your CV in detail and study all the technologies mentioned in your CV. Prepare at least two technologies or languages in depth if you are appearing for a technical interview at ANZ Banking Group. The most common topics and skills that interviewers at ANZ Banking Group expect are Analytical Chemistry, Ab Initio, Automation Testing, Business Process Management and Consulting.
What are the top questions asked in ANZ Banking Group Credit Risk Analyst interview?

Some of the top questions asked at the ANZ Banking Group Credit Risk Analyst interview -

  1. what all things you check before providing loan for a custo...read more
  2. 5cs of cre...read more
  3. First they will ask your introduct...read more

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ANZ Banking Group Credit Risk Analyst Salary
based on 8 salaries
₹4.8 L/yr - ₹17 L/yr
23% less than the average Credit Risk Analyst Salary in India
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