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AU Small Finance Bank
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I applied via Referral and was interviewed in Apr 2021. There were 6 interview rounds.
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...
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...
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...
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...
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...
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
I applied via Naukri.com and was interviewed in Mar 2022. There were 2 interview rounds.
About my current job profile
I was interviewed before Oct 2020.
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...
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posted on 18 Sep 2021
posted on 3 May 2019
I applied via Indeed and was interviewed in Oct 2018. There were 5 interview rounds.
posted on 6 Apr 2021
I applied via Naukri.com and was interviewed in Mar 2021. There was 1 interview round.
posted on 14 Aug 2021
I applied via Campus Placement and was interviewed before Aug 2020. There were 3 interview rounds.
I applied via Approached by Company and was interviewed in Dec 2018. There were 6 interview rounds.
I applied via Referral and was interviewed before Sep 2020. There was 1 interview round.
Some of the top questions asked at the AU Small Finance Bank Assistant Credit Manager interview -
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Assistant Manager
1.3k
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Deputy Manager
984
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Relationship Manager
950
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Manager
615
salaries
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Senior Executive
557
salaries
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