Axis Bank Risk Analyst Interview Questions and Answers

Basic SQL queries like Joints, group by function, use of having...

Q1. Self introduction
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Q1. Questions related to risk management and scenario based questions.
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Basic questions on statistics, hypothesis testing, quant.

There will be a topic given, you have to speak in the allotted time.

Q1. Resume. Basic banking related questions.
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Q1. HR and Technical Round.
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Q1. Basic concepts of statistics
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Q2. What is ML and it’s basic concepts
Ans. 
ML stands for Machine Learning, a subset of artificial intelligence that focuses on the development of algorithms and models that allow computers to learn from and make predictions or decisions based on data.
• ML involves training algorithms to learn patterns and make predictions or decisions without being explicitly programmed.

• Basic concepts include supervised learning, unsupervised learning, and reinforcement learning.

• ...read more
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Q3. Explain linear regression model
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Linear regression model is a statistical method used to analyze the relationship between two continuous variables.
• Linear regression model assumes a linear relationship between the independent variable(s) and the dependent variable.

• It calculates the best-fitting line to predict the value of the dependent variable based on the independent variable(s).

• The model aims to minimize the sum of squared differences between the o...read more
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Q1. Run me through your cv
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Q2. Name different types of swap & explain how any one works
Ans. 
Different types of swaps include interest rate swaps, currency swaps, and commodity swaps.
• Interest rate swaps involve exchanging fixed and floating interest rate payments based on a notional amount.

• Currency swaps involve exchanging principal and interest payments in different currencies.

• Commodity swaps involve exchanging cash flows based on the price of a commodity.

• Example: A company with a variable rate loan can enter...read more
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Q3. Whats an option. Who is the buyer who is the seller
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An option is a contract that gives the buyer the right, but not the obligation, to buy or sell an underlying asset at a specific price.
• The buyer of an option pays a premium to the seller for the right to buy or sell the underlying asset at a specific price.

• The seller of an option is obligated to sell or buy the underlying asset at the specified price if the buyer chooses to exercise their option.

• Options can be used for...read more
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Q4. What is var and how would you apply it
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VAR stands for Value at Risk. It is a statistical measure used to estimate the potential loss in an investment portfolio.
• VAR is used to determine the maximum potential loss that an investment portfolio may incur over a given time period.

• It is calculated by analyzing the historical data of the portfolio and estimating the worst-case scenario loss.

• VAR is often used by risk analysts to set risk limits and determine the am...read more
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Q5. Explain any one type of fixed income
Ans. 
One type of fixed income is bonds
• Bonds are debt securities issued by companies or governments to raise capital

• They pay a fixed interest rate to the bondholder

• Bonds have a maturity date when the principal is repaid to the bondholder

• Examples include Treasury bonds, corporate bonds, municipal bonds
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Q6. Have you worked on platform such as murex or bloomberg. Whats your experience with it.
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Q7. Where do you live and when can you start from
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Q8. Any questions for me
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Q1. Run me through your cv
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Q2. Explain this job profile to me
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Q3. Why did you not pursue anything other than bcom
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Q4. Whats your reason for joining this profile
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Q5. Any questions for me
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Q1. Regression Co-relation What ratios would u consider before giving loan Which loan is riskier home loan ,personal loan,credit card loan,car loan Some resume based questions
Ans. 
Before giving a loan, ratios such as debt-to-income, loan-to-value, and credit score should be considered. Home loans are generally less risky than credit card loans.
• Debt-to-income ratio should be less than 43%

• Loan-to-value ratio should be less than 80%

• Credit score should be above 650

• Home loans are less risky than credit card loans

• Personal loans and credit card loans are riskier than car loans
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Q1. Salary expectations and why u leave the previous organisation
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Q1. Related to your current job profile
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Q1. Detailed analysis of what u know about your profile and either candidate is suitable for this position or not.
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