Crisil Associate Risk Analyst Interview Questions and Answers

Q1. What is DSCR? What is RoCE?
Ans. 
DSCR stands for Debt Service Coverage Ratio and RoCE stands for Return on Capital Employed.
• DSCR is a financial ratio used to measure a company's ability to pay its debts.

• It is calculated by dividing the company's net operating income by its total debt service.

• A DSCR of 1 or higher indicates that the company is generating enough income to cover its debt obligations.

• RoCE is a financial ratio used to measure a company's e...read more
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Q1. Tell us about credit worthiness What is working capital management
Ans. 
Credit worthiness refers to a borrower's ability to repay a loan. Working capital management is the process of managing a company's short-term assets and liabilities.
• Credit worthiness is determined by factors such as credit score, income, and debt-to-income ratio.

• Lenders use credit worthiness to assess the risk of lending money to a borrower.

• Working capital management involves managing a company's cash, inventory, and ...read more
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Q1. What location? Expected CTC etc
Ans. 
The location and expected CTC will depend on the specific job opening.
• The location will be determined by the company's needs and may vary depending on the job opening.

• The expected CTC will also depend on the job opening and the candidate's qualifications.

• It is best to discuss specific location and salary details during the interview process.
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Finance and English test was given

Psychometric and speed based test was given

Q1. 1.What are Liquidity ratios? 2.What all are the Financial statement components? 3.What are the current economic trends ? 4. What comes under current assets ?
Ans. 
Answers to questions related to Credit Analyst position.
• Liquidity ratios measure a company's ability to meet short-term obligations.

• Financial statement components include income statement, balance sheet, and cash flow statement.

• Current economic trends may include inflation, interest rates, and GDP growth.

• Current assets include cash, accounts receivable, inventory, and prepaid expenses.
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Q2. What are the components of Financial statements?
Ans. 
Financial statements have three main components: balance sheet, income statement, and cash flow statement.
• Balance sheet shows the company's assets, liabilities, and equity at a specific point in time.

• Income statement shows the company's revenue, expenses, and net income over a period of time.

• Cash flow statement shows the company's cash inflows and outflows over a period of time.

• Other components may include footnotes, m...read more
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Finance and accounting concept based aptitude

Q1. Questions on core Finance concepts like DCF valuation, Financial Derivatives, Stock Market etc
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Q1. Basic hygiene questions like tell me about yourself and what is your career goal
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Math , gk, english

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Q1. Ai questions , java questions , coding questions
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Q1. Where do you see yourself in 5 years
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Sector Analysis and Presentation

Q1. Cash Flow Statement Explain
Ans. 
Cash Flow Statement is a financial statement that shows the inflow and outflow of cash in a business.
• It shows the sources of cash inflow and the uses of cash outflow.

• It is divided into three sections: operating activities, investing activities, and financing activities.

• It helps in analyzing the liquidity and solvency of a business.

• Example: If a company has a negative cash flow from operating activities, it may indicate...read more
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Q2. Automobile Industry Growth Drivers
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Q1. Interest coverage ratio , leverage ratio and many others
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Q2. Related to financial rations and financial analysis
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Q1. Intro about ratings
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Q2. Intro with CBO, basic questing regarding the company
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