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Crisil
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I applied via Approached by Company
I would rate a bank based on its financial stability, asset quality, management quality, profitability, and market presence.
Financial stability: Assess the bank's capital adequacy ratio, liquidity ratio, and non-performing assets.
Asset quality: Evaluate the quality of the bank's loan portfolio and investment securities.
Management quality: Look at the experience and track record of the bank's management team.
Profitabili...
Capital Adequacy Ratio is a measure of a bank's capital in relation to its risk-weighted assets.
CAR is calculated by dividing a bank's capital (numerator) by its risk-weighted assets (denominator).
The numerator typically includes Tier 1 and Tier 2 capital, such as equity capital and retained earnings.
The denominator consists of various types of assets weighted by their risk levels, such as loans, investments, and off-b...
CET1 Capital includes common equity tier 1 capital, which consists of common shares, retained earnings, and other comprehensive income.
CET1 Capital is a component of Total Tier Capital used to measure a bank's financial strength.
It includes common equity tier 1 capital, which consists of common shares, retained earnings, and other comprehensive income.
Excludes items such as goodwill, intangible assets, and deferred tax
I applied via Recruitment Consulltant and was interviewed before Apr 2023. There were 2 interview rounds.
Cash flow model case study for ABS transaction
Top trending discussions
I applied via Referral and was interviewed before May 2020. There were 4 interview rounds.
posted on 19 Nov 2022
Finance and English test was given
Psychometric and speed based test was given
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.
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...
I applied via Campus Placement and was interviewed in Oct 2023. There were 3 interview rounds.
Finance and accounting concept based aptitude
posted on 4 Sep 2022
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...
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 ...
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.
Math , gk, english
AI
I applied via Referral and was interviewed before May 2020. There were 3 interview rounds.
Credit analysis involves evaluating the creditworthiness of a borrower to determine the likelihood of repayment.
Gather financial information about the borrower, including income, assets, and liabilities
Assess the borrower's credit history and credit score
Analyze the borrower's debt-to-income ratio and other financial ratios
Consider external factors such as economic conditions and industry trends
Make a recommendation on...
Assessing business risk involves evaluating various parameters.
Financial stability and performance
Market competition and trends
Regulatory compliance and legal issues
Management team and corporate governance
Industry and macroeconomic factors
Brand reputation and customer satisfaction
Supply chain and operational risks
Some of the top questions asked at the Crisil Senior Credit Analyst interview -
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