Bandhan Bank Credit Risk and Portfolio Analyst Interview Questions and Answers

Interview preparation tips for other job seekers - It was great to have a interview but struggle is must so need to be well prepared always.

Interview preparation tips for other job seekers - Prepare few Guesstimates before going to the interview. Also it would benefit If you can provide an experience with the analytical tools you have mentioned in the resume. It really helps.

Interview preparation tips for other job seekers - Be Calm and composed and go through your resume properly.
Revise SQL, SAS, and Python if you are targeting a role in the business intelligence unit of axis bank

Round: Test
Experience: 28 questions, 18 quantative + 10 financial awareness, negative marking. I took one pass through the Quant section, leaving about 5 questions, went on to the financial section, realized I wasn't going to score that well there so went back to Quant eventually attempting all 18, having to guess 1 answer since I ran out of time. I attempted probably 2-3 in financial. The test matters a lot to get shortlisted - some CSE students didn’t get shortlisted apparently because of a low test score. I would suggest that focus should be primarily on the quant section rather than the finance section - a friend in CSE who said he did well in the finance section didn’t get shortlisted.

Quant
1. Find next in sequence : 10,1,.......7,7...11,5 - don't remember the rest of the sequence but it looked random
initially it but if you take the difference between alternate terms an obvious pattern emerges .
2. Probability of two people telling the truth = 0.4,0.6 - what is the chance that they are inconsistent in what they say ?
3. A 3 digit number is a square less than 500, the reverse of the number is also a square. on repeating last digit still a square. What is the difference between the initial square, its reverse.
4. In a 1000m race if x gives y a head start of 40 meter, x wins by 10m. how much will x win by if y gives x a head start of 40m
5. With 16 matches, how many distinct triangles can you make?
6. You row at 7kmph in a calm lake. fisherman drops something 14 km upstream and the river current is 3kmph, how long will it take to reach you (14/7 = 2hrs ).
7. The sum of the multiples of 7 between 200 and 400 is what (trick was instead of calculating, to observe that the answer is odd and of the 5 options, only one was odd)?
8. Sum of consecutive page numbers in a book starting from 1 to n is 1000 - one page was repeated. which page was it? (idea was to subtract each choice from 1000 and see if it was n _ (n + 1)/2)
9. Last digit of 508508
10. 6 men + 4 women. Make a committee of 3 from them - Guy X wont be with Guy Y. Guy Y will be only with Woman Z in committee. How many ways of making the committee?
11. Run in circle of radius r. 1st 30 seconds at r meters/min, then next 1 min at r/2 m per min next 2 min at r/4 and so on. ratio of times taken in round n, previous round
12. |(x ? 11)/2| < 3 what is the range of x?
13. number of integer solutions to 3x + 6y = 13 (take 3 common on LHS and the answer is clear).
14. 5 students give an objective exam (+1 for correct, 0 for wrong) with 5 questions each with 5 choices. Their answers were given in a 5x5 matrix. Given they all got different marks, who got the lowest.
15. A,B,C,D stand in a line in increasing order of height. Given that X was shorter than Y but didnt stand first, and (a few more conditions) , who stood last? (X and Y had been specified as one of A, B, C, D - I don’t remember exactly since I gave the test 10 days back).

Financial
1. Rupee-dollar exchange rate (options were ranges of 1 rupee answer ws 39-40)
2. value of some index (some non-Indian East Asian country’s stock market - I forgot the name)
3. Effect of interest rate cuts on a bond coupon
4. Simple question on call option - which of following is not true about it
5. 1st Indian IT company to be listed on Nasdaq

6. Given a pie chart where it showed that for capital, a company relied 80% on equity and a small fraction on debts, what investment strategy is the company using? Conservative/Aggressive?
Duration: 40 min minutes

Round: HR Interview
Experience: I was the last person DB interviewed that day. Towards the end, the interviewer said “I am sure you are going to join Tower Research and not DB”. They also seemed to have decided before I came in to the interview that I would get an offer with some other company and would not choose DB - kept attacking the answers I gave to ‘Why not Microsoft/Tower’. In hindsight maybe I shouldn't have listed all the 4 tech companies I had interned with.

College Name: IIT KANPUR

Round: Resume Shortlist
Experience: Initial shortlisting was based on resume where CGPA cutoff was around 8.

Round: Test
Experience: Questions were related to Data interpretation and Aptitude,which mostly tests a person's patience too.Around 20-25 were shortlisted after this round.

Round: Case Study Interview
Experience: Questions relating to case studies and course done in your maths were asked.

Round: HR Interview
Experience: In this round,the candidate was asked to talk about himself, his qualities and mostly the activities he was involved in the past 4-5 years of his life.

Skill Tips: A proper revision of math courses will also be useful during interviews and can do much better by having preparation in case studies.
Skills: Good communication skills
College Name: IIT MADRAS

Round: Resume Shortlist
Experience: A lot of fundaes regarding the writing of the resume were given at a session by McKinsey earlier in the year. I prepared my basic resume based on that and changed it according to suggestions from some friends. Pre-placement talks are essential for getting a broad understanding of the company and the work that one is going to be doing in the job, inspite of the fact that a much nicer version of the reality may be presented in these talks. If one does not have a good idea about a particular sector or a company, attending PPTs can help a lot.About 90 people were shortlisted initially for the inteview, based mainly on a test conducted by the company earlier. The test evaluated students on basic quantitative and DI skills. Out of those, after an interview of about 20-25 mins, about half were shortlisted for the second and the last interview, which immediately followed the first one.

Round: HR Interview
Experience: In my case, the only interview I attended was for Deutsche Bank, and it did not require any such special preparation.However, some basic finance fundaes were obtained with the help of google and wikipedia. I prepared for interviews with some of my friends. We conducted mock interviews of one another, asking possible questions, especially the HR ones. If done seriously, it helps a lot, in terms of preparation for the few stock questions in interviews and others that one can anticipate. A lot of improvements can be suggested by your friends in terms of framing answers correctly and many other things. Preparation is best done in groups.

College Name: IIT BOMBAY

Round: Resume Shortlist
Experience: DB directly shortlisted from resume. There was no test. After the initial shortlisting procedure, I had a months time to prepare.
Tips: I had started preparing for my resume from August when SPO had asked to send in master resume. After making a rough draft I had sent it to a lot of seniors from my department who were placed in different companies and edited it accordingly.

Round: Test
Tips: I had used the material from T.I.M.E and also from CL to prepare for it. Also,there were some classes arranged by SPO and CL which I had joined.

Round: Group Discussion
Tips: I did not prepare much for the GDs. I just participated in 3-4 mock GDs organized by the placement preparation cell.

Round: HR Interview
Experience: I had prepared all my interns and projects along with the courses written in the resume. I had prepared my answers from all the basic questions which are generally asked in an interview and was very thorough with them. I had also gained sufficient knowledge about the work profile of DB along with all major deals in the past year. Specially, for DB's interview I had also prepared for the current affairs by reading newspapers daily for about 3 months and also kept up to date about some major happenings in and around the world such as Syria happening, US shutdown, crisis and bubbles, etc.


I had my interview scheduled at 6:30 in the morning with DB. My first interview went really well and the person told me that I should definitely see the next panel.
Tips: Please do not write those courses in your resume which you found tough as it will create problem at the end moment when you have to prepare so much.

Round: HR Interview
Experience: My second interview was fine and most of the questions were from current affairs and my resume. They also asked me to guesstimate in this interview.

Round: HR Interview
Experience: In my third interview  I messed up some economics related concepts.I thought they wouldn't like me but I was called again

Round: HR Interview
Experience: My fourth interview also did not go well but then somebody from the HR hinted that they liked me for a certain profile and would want to know my take on that.

General Tips: Be yourself and give your best shot. Have faith in yourself. Do not panic.
College Name: IIT KANPUR

Round: Resume Shortlist
Experience: First, I had a look at loads and loads of ‘good’ people’s resumes, which left me feeling very inferior. Then I looked some ‘not-so-great’ people’s resumes who landed up with good jobs nevertheless, which gave me hope. I prepared a rough draft (which eventually had no relation/similarity to the final resume) which was sent to infinite people for an honest critique, and an honest appraisal I received which shook me to the core. Tips from order (chronologically or in order of importance?) to which stuff to include and NOT include were garnered. I never found the need to look at resume-writing material, with one workshop organized by McKinsey and other people’s resumes being enough
Tips: Pre-placement talks are greatly under appreciated by students, with the focus being the pizzas most of the times. Yes, the pizza is important, but it helps if you pay attention first to what the company people say (and not just the compensation package). I had an ambitious resolution to note down all the biggie companies’ good points with things said and qualities expected and such stuff- needless to say, this resolution fell flat on it’s face midway through PPT season. However, if not anything else, the PPTs were a great source for picking up the jargon for preparing in the final days. And asking questions after the PPT is over by sacrificing a pizza can be beneficial too, especially if you are targeting a particular company/type of company. (Note- As luck would have it, the company i got recruited by was the single company who's PPT i DID NOT attend, with me having to rely on second-hand information. So you decide). As for actually choosing the job, I had full (maybe a bit too much?) faith in the placement body’s infinite wisdom for deciding the order of companies invited for placements. I had consultancy and finance as my two preferred options, for which I talked to loads of seniors, relatives and family friends. It is important to know what you want to do, or at least what you don’t want to do (in my case, a coding/tech job was out of the question), because this is often asked during your interview. And the long discussions I had, although sometimes leaving me in a more confused state than before, helped me eventually.

Round: Test
Experience: Deutsche Bank took a written test as Round 1 for elimination. This was followed by a shortlist of 92 people, who had to sit for a Tech interview. ~80% of these people went ahead to give an HR interview, with 22 people being offered jobs eventually. The written test had 3 parts- The 1st part was a proper CAT-style test which focused on quantitative abilities. Most of the questions were those we already encounter, and almost everyone who got through scored really well in this section. The 2nd part had a few questions on general market awareness, like 'Who has the highest market cap' or 'what's the current oil price per barrel'. The 3rd part was finance-based, with questions on inflation, coupon rates, options, futures, currency conversions etc.

Round: Technical Interview
Experience: The first 'Tech' interview started off with a fairly non-tech question- 'Give us 3 reasons why we should hire you.' Then, they went on to questions on quick arithmetic (what's 58 x 62?), probability (how do i divide 50R and 50W balls into two identical containers so that if i pick a ball from a random container, the probability of picking a W ball is maximum?) and finance (what are options? what is strike price? what is a premium?). They asked me whether I had any other nonacademic courses I had done in my stay in IIT which I liked, which was where the Literature and Economic Reforms courses from past semesters came in handy. The interviews for different people were very different, with some people getting deep into finance or economics, some concentrating more on things like market awareness, stocks, shares etc and some having to survive stress interviews.
Tips: First, there's a test to crack, which requires a good quantitative base. This is where CAT preparation helps a lot. There are general awareness questions which depend more on, well, the student's general awareness. The finance section is typically unworkable- it helps if you can write down out there whatever you know however wrong it might be, because those guys simply want to know how much you know, even if it might be slightly irrelevant to the question asked :P Then, there is the tech interview. Now many people (including the company people during the PPT) will tell you 'It's ok if you don't have finance fundaes', but they sing a totally different tune during the actual interview. And honestly this makes sense- if you want to get hired by a finance company, the least you can do is read up some basic finance stuff, instead of sitting there and saying 'I have zot finance knowledge, hire me.' There was a Derivatives workshop organized by Lehman Brothers which, although not being too helpful, at least introduced me to the jargon. Then some quickie wiki sufficed to increase my fin-gyaan. And it always helps if you start off with a 'I know very little of finance, but what i know i know it well' kind of a statement :)

Round: HR Interview
Experience: The second HR interview was a pretty cool one, starting off with the standard question 'Tell me something about yourself' to things like hobbies and non-academic stuff done in IIT life and elsewhere. Questions like these present a nice opportunity to the interviewee to lead the interview as and how he/she likes. I mentioned my passion for international football, from where we embarked on a long discussion on which club i like, which are my favorite players, why, etc. I was asked what are the parameters i give importance to in selecting a job. I was asked whether have prepared for CAT, what scores am I expecting, what do I wish to do in the next 2/3/5/10 years, what do I expect from this job, etc. There were two people conducting the interview, with one fellow asking most of the questions. I addressed the second person with a 'don't you have anything to ask?' to which she asked me 'tell me five people you would love to invite for a DB sponsored dinner'. A creative, tongue-in-cheek, honest and somewhat humorous answer got me through it. They then asked me - 'Do you have any questions for us?' where i got cleared a few doubts about the quality of work, the training and future growth opportunities as an employee of Deutsch Bank. The tests took ~45 minutes to finish, and each interview was for around 20 minutes or so.
Tips: The most important thing I did was sit down with 2 other friends and conduct mock-stress-HR interviews of each other. This thing helped me greatly, primarily because I treated it with proper seriousness. Many things come to light if your friend’s are forthright and frank, because this is the place where you can go wrong as much as you want without severe repercussions (This mock interview especially helped a friend of mine when we asked him questions which seemed off-tangent but ended up being asked in his actual interview!). Also what proved to be extremely helpful was a long and intensive Wikipedia session, where I sat down with a friend and wiki-ed for each and every word mentioned in the job description document supplied by the company along with the JAF.

General Tips: For most companies&#44; your resume is all they will know about you, so make sure you know properly what you have written in the resume, where it is and how many points. This prevents you from being surprised when the interviewer refers to stuff which, let's just say, has been made to look bigger and better than it actually is. Bluffing in resumes or during the interview is of no use, people can catch these things very easily. Instead, it helps if you can make things appear a wee bit fancier than they are, as long as you can pull them off. The interviewer is god. Treat him/her with respect and argue decently without getting dirty, however irrational things might sometime seem. An honest 'I don't know' is better than some contrived bluff, as long as the 'I-don't-knows' are rare. Impromptu interviews seldom go well. Some preparation is always essential. Prepare for HR questions, and don't be surprised if you are asked a lot of Department-specific questions. A knowledge of what the company does is important, as also is knowing what the job profile being offered does and doesn't include :) Vis., dressing, étiquettes, coffee etc Dress well, first impressions are important. Don't wear a suit if you aren't sure you'll be comfortable (i wasn't), a tie
works just fine. But informal clothing is a no-no. Have a bath and a shave (for boys mainly). Have a folder containing some spare sheets and copies of your resume. Have a decent, working pen. Avoid plastic bags or similar things which make irritating noises. And don't get too frazzled by questions asked to other candidates. Make eye-contact (but don't try to play mindgames) with the interviewer while talking. And smile, enjoy the interview, or at least give the impression that you are having a good time :)
College Name: IIT BOMBAY