Upload Button Icon Add office photos
Engaged Employer

i

This company page is being actively managed by AU Small Finance Bank Team. If you also belong to the team, you can get access from here

AU Small Finance Bank Verified Tick

Compare button icon Compare button icon Compare

Filter interviews by

AU Small Finance Bank Assistant Credit Manager Interview Questions, Process, and Tips

Updated 5 Apr 2022

Top AU Small Finance Bank Assistant Credit Manager Interview Questions and Answers

  • Q1. What's operating cycle of a business and how to calculate operating cycle of a business?
  • Q2. Important Ratio's which is used in credit and financial analysis ?
  • Q3. What are the factors and points we need check while processing a Loan application
View all 7 questions

AU Small Finance Bank Assistant Credit Manager Interview Experiences

3 interviews found

I applied via Referral and was interviewed in Apr 2021. There were 6 interview rounds.

Interview Questionnaire 

7 Questions

  • Q1. 1) Tell me about yourself ?
  • Q2. What a bank does?
  • Ans. 

    A bank is a financial institution that provides various services such as accepting deposits, lending money, and facilitating financial transactions.

    • Accepts deposits from individuals and businesses

    • Lends money to individuals and businesses

    • Facilitates financial transactions such as wire transfers, bill payments, and issuing credit cards

    • Provides investment and wealth management services

    • Offers various types of accounts such...

  • Answered by AI
  • Q3. What's working capital and how its calculate?
  • Ans. 

    Working capital is the amount of money a company has available to fund its day-to-day operations.

    • Working capital is calculated by subtracting current liabilities from current assets.

    • Current assets include cash, accounts receivable, and inventory.

    • Current liabilities include accounts payable, taxes owed, and short-term loans.

    • A positive working capital indicates that a company has enough funds to cover its short-term obli...

  • Answered by AI
  • Q4. What is DSCR and how to calculate?
  • Ans. 

    DSCR stands for Debt Service Coverage Ratio. It is a financial metric used to assess a borrower's ability to repay debt.

    • DSCR is calculated by dividing the borrower's net operating income by their total debt service.

    • A DSCR of 1 or higher indicates that the borrower has enough income to cover their debt obligations.

    • A DSCR below 1 suggests that the borrower may struggle to meet their debt payments.

    • Lenders typically prefer...

  • Answered by AI
  • Q5. What's operating cycle of a business and how to calculate operating cycle of a business?
  • Ans. 

    Operating cycle is the time it takes for a business to convert inventory into cash.

    • Operating cycle = Inventory conversion period + Receivables conversion period

    • Inventory conversion period = (Average inventory / Cost of goods sold) x 365

    • Receivables conversion period = (Average accounts receivable / Credit sales) x 365

    • Operating cycle helps in determining the efficiency of a business in managing its working capital

    • A short...

  • Answered by AI
  • Q6. Important Ratio's which is used in credit and financial analysis ?
  • Ans. 

    Important ratios used in credit and financial analysis include debt-to-equity, current ratio, and gross profit margin.

    • Debt-to-equity ratio measures a company's leverage and financial risk

    • Current ratio measures a company's ability to pay its short-term debts

    • Gross profit margin measures a company's profitability

    • Other important ratios include return on equity, interest coverage, and inventory turnover

    • These ratios help ass...

  • Answered by AI
  • Q7. What are the factors and points we need check while processing a Loan application
  • Ans. 

    Factors and points to check while processing a loan application

    • Credit score and history

    • Income and employment status

    • Debt-to-income ratio

    • Collateral

    • Purpose of the loan

    • Repayment plan

    • Credit report

    • Legal documentation

  • Answered by AI

Interview Preparation Tips

Interview preparation tips for other job seekers - 1) Always read the profile Description before going to interview.
2) when preparing for a bank interview always read the key terminology used in banks.
3) Go through the Financial and Ratio Analysis according to the profile for which you going for interview.

I applied via Naukri.com and was interviewed in Mar 2022. There were 2 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 

About my current job profile

Interview Preparation Tips

Interview preparation tips for other job seekers - I'm a auditor, I have knowledge about products of segment, I can do this job,

Assistant Credit Manager Interview Questions Asked at Other Companies

Q1. What's operating cycle of a business and how to calculate operati ... read more
Q2. Important Ratio's which is used in credit and financial analysis ... read more
Q3. What are the factors and points we need check while processing a ... read more
Q4. What's working capital and how its calculate?
Q5. Your expectations in terms of money

I was interviewed before Oct 2020.

Interview Questionnaire 

6 Questions

  • Q1. Cibil questions
  • Q2. What do you ask to customer at personal Discussion
  • Q3. Dairy Business, kirana business, rental business Margins
  • Q4. Legal titles, property chain and other legal questions
  • Q5. How to find Fraud cases
  • Ans. 

    Fraud cases can be found by analyzing transaction patterns and conducting thorough investigations.

    • Analyze transaction patterns for any unusual activity

    • Conduct thorough investigations of suspicious transactions

    • Use fraud detection software to flag potential cases

    • Monitor customer behavior for any red flags

    • Stay up-to-date on industry trends and common fraud schemes

    • Collaborate with law enforcement and other financial instit...

  • Answered by AI
  • Q6. FI to be done by yourself, what to check at FI- field investigation

Interview Preparation Tips

Interview preparation tips for other job seekers - Easy intervew, They dont negotiate on package, They just want Cheap employee to work for 13-15 Hrs , also an employee who can work on Holidays

Interview questions from similar companies

Interview Questionnaire 

1 Question

  • Q1. About yourself.......

I applied via Indeed and was interviewed in Oct 2018. There were 5 interview rounds.

Interview Questionnaire 

1 Question

  • Q1. My personal background and educational highlights.

Interview Preparation Tips

Round: Resume Shortlist
Experience: Relevant Job Experience

General Tips: Read up on the company and their business, get a general idea of how the business work (bigger than your dept. Vise role)
Brush up on the knowledge quoted in your CV.
Be prepared to answer questions on the role you seek (Prepare beforehand what a person in that role is expected to handle)
Skills: Communication, Body Language, Problem Solving, Analytical Skills
Duration: 1-3 Months

I applied via Naukri.com and was interviewed in Mar 2021. There was 1 interview round.

Interview Questionnaire 

2 Questions

  • Q1. As a team leader what is my responsibility & how I manage team & how I achieve targets, my career goals, discipline, about my work experience
  • Q2. There was 3 interview, I replied them all with honesty, I tell them how I proved myself & how I managed team & achieved given target, I tell them how I improve my team's work culture & discipline

Interview Preparation Tips

Interview preparation tips for other job seekers - There was 3 round interview & they asked many questions but I think main focus if anyone is going for interview..
Communication skills
Be honest, positive & Confident
make sure you know all about your work & responsibilities..

I applied via Campus Placement and was interviewed before Aug 2020. There were 3 interview rounds.

Interview Questionnaire 

1 Question

  • Q1. Functions of HR

Interview Preparation Tips

Interview preparation tips for other job seekers - Read about kyc

I applied via Approached by Company and was interviewed in Dec 2018. There were 6 interview rounds.

Interview Preparation Tips

General Tips: My advice to all is be confident, well groomed and aware about what's happening in the world of banking. How you will be beneficial to the bank. Do the research about bank's history, book size, key management and USP.
Credit score should be good and clean.
Skills: Communication, Analytical Skills, Leadership, Presentation Skills, Decision Making Skills
Duration: 1-4 weeks

Interview Questionnaire 

1 Question

  • Q1. About finance vehicles

Interview Preparation Tips

Interview preparation tips for other job seekers - Be confidante

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

Interview Questionnaire 

1 Question

  • Q1. Bank me job kyu kar na chahate ho

Interview Preparation Tips

Interview preparation tips for other job seekers - I am omprakash yadav
My father name harphool yadav
My mother name phooli devi
My wife name krishna yadav
I am working indusind bank

AU Small Finance Bank Interview FAQs

How many rounds are there in AU Small Finance Bank Assistant Credit Manager interview?
AU Small Finance Bank interview process usually has 2 rounds. The most common rounds in the AU Small Finance Bank interview process are Resume Shortlist and Aptitude Test.
How to prepare for AU Small Finance Bank Assistant Credit Manager 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 AU Small Finance Bank. The most common topics and skills that interviewers at AU Small Finance Bank expect are Credit, Credit Management, Credit Appraisal, Credit Monitoring and Credit Risk Analysis.
What are the top questions asked in AU Small Finance Bank Assistant Credit Manager interview?

Some of the top questions asked at the AU Small Finance Bank Assistant Credit Manager interview -

  1. What's operating cycle of a business and how to calculate operating cycle of a ...read more
  2. Important Ratio's which is used in credit and financial analysis...read more
  3. What are the factors and points we need check while processing a Loan applicati...read more

Tell us how to improve this page.

Interview Questions from Similar Companies

IDFC FIRST Bank Interview Questions
3.9
 • 642 Interviews
IndusInd Bank Interview Questions
3.5
 • 602 Interviews
Bandhan Bank Interview Questions
3.7
 • 539 Interviews
Yes Bank Interview Questions
3.7
 • 429 Interviews
Deutsche Bank Interview Questions
3.9
 • 366 Interviews
Barclays Interview Questions
3.8
 • 278 Interviews
Bank of America Interview Questions
4.3
 • 237 Interviews
View all
AU Small Finance Bank Assistant Credit Manager Salary
based on 120 salaries
₹1.9 L/yr - ₹5.7 L/yr
7% less than the average Assistant Credit Manager Salary in India
View more details

AU Small Finance Bank Assistant Credit Manager Reviews and Ratings

based on 42 reviews

3.9/5

Rating in categories

4.3

Skill development

3.4

Work-life balance

3.7

Salary

3.9

Job security

3.7

Company culture

3.5

Promotions

3.6

Work satisfaction

Explore 42 Reviews and Ratings
Assistant Manager
1.3k salaries
unlock blur

₹0 L/yr - ₹0 L/yr

Deputy Manager
984 salaries
unlock blur

₹0 L/yr - ₹0 L/yr

Relationship Manager
950 salaries
unlock blur

₹0 L/yr - ₹0 L/yr

Manager
615 salaries
unlock blur

₹0 L/yr - ₹0 L/yr

Senior Executive
557 salaries
unlock blur

₹0 L/yr - ₹0 L/yr

Explore more salaries
Compare AU Small Finance Bank with

Bandhan Bank

3.7
Compare

Equitas Small Finance Bank

4.5
Compare

Ujjivan Small Finance Bank

4.1
Compare

Suryoday Small Finance Bank

3.9
Compare
Did you find this page helpful?
Yes No
write
Share an Interview