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Crisil Senior Credit Analyst Interview Questions and Answers

Updated 2 Apr 2024

Crisil Senior Credit Analyst Interview Experiences

3 interviews found

Interview experience
4
Good
Difficulty level
Moderate
Process Duration
-
Result
-

I applied via Approached by Company

Round 1 - Resume Shortlist 
Pro Tip by AmbitionBox:
Keep your resume crisp and to the point. A recruiter looks at your resume for an average of 6 seconds, make sure to leave the best impression.
View all tips
Round 2 - HR 

(1 Question)

  • Q1. Availability for Interview Time
Round 3 - Technical 

(5 Questions)

  • Q1. How would you rate a bank and what are the key factors that you will look upon?
  • Ans. 

    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...

  • Answered by AI
  • Q2. Given that, Personal loans, Commercial Real Estate Loans, Mortgage loans &Auto loans, which possess the highest risk and why? Asked me to order chronologically and provide a brief opinion on that.
  • Q3. What is Capital Adequacy Ratio? What comes in Numerator and denominator?
  • Ans. 

    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...

  • Answered by AI
  • Q4. What do we include in CET1 Capital, Total Tier Capital?
  • Ans. 

    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

  • Answered by AI
  • Q5. They also asked me about my hobbies

Interview Preparation Tips

Interview preparation tips for other job seekers - I gave an interview today, Not sure If I am gonna convert it. If anyone comes to look into this, would be helpful.
Interview experience
4
Good
Difficulty level
Moderate
Process Duration
2-4 weeks
Result
Selected Selected

I applied via Recruitment Consulltant and was interviewed before Apr 2023. There were 2 interview rounds.

Round 1 - Case Study 

Cash flow model case study for ABS transaction

Round 2 - Technical 

(2 Questions)

  • Q1. Interview with team lead and AD
  • Q2. Technical knowledge of cash flow parameters, credit analysis

Senior Credit Analyst Interview Questions Asked at Other Companies

asked in Crisil
Q1. How would you rate a bank and what are the key factors that you w ... read more
asked in Crisil
Q2. What is Capital Adequacy Ratio? What comes in Numerator and denom ... read more
Q3. How do you assess working capital limits, including fund-based an ... read more
asked in Crisil
Q4. What do we include in CET1 Capital, Total Tier Capital?
Q5. Types of Risks in Credit decision-making

Interview Questionnaire 

1 Question

  • Q1. How Project finance models are built in your organization? Finance basic questions, how do u assess a project finance proposal

Senior Credit Analyst Jobs at Crisil

View all

Interview questions from similar companies

Interview Questionnaire 

3 Questions

  • Q1. Since my project was based on pharma industry I was asked questions on that industry and ratios etc related to that
  • Q2. Know the principles behind your core profile
  • Q3. How would you briefly describe your family background

Interview Preparation Tips

Interview preparation tips for other job seekers - Stay calm and sound passionate about your profile and believe in the authenticity of your answers

I applied via Referral and was interviewed before May 2020. There were 4 interview rounds.

Interview Questionnaire 

1 Question

  • Q1. Ratios, current updates on industry

Interview Preparation Tips

Interview preparation tips for other job seekers - Prepare for ratios, industry update, wat is rating
Round 1 - Resume Shortlist 
Pro Tip by AmbitionBox:
Don’t add your photo or details such as gender, age, and address in your resume. These details do not add any value.
View all tips
Round 2 - Aptitude Test 

Finance and English test was given

Round 3 - Aptitude Test 

Psychometric and speed based test was given

Round 4 - One-on-one 

(2 Questions)

  • 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.

  • Answered by AI
  • 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...

  • Answered by AI

Interview Preparation Tips

Interview preparation tips for other job seekers - You should know finance and economic trends and your resume
Interview experience
3
Average
Difficulty level
Moderate
Process Duration
2-4 weeks
Result
Not Selected

I applied via Campus Placement and was interviewed in Oct 2023. There were 3 interview rounds.

Round 1 - Aptitude Test 

Finance and accounting concept based aptitude

Round 2 - Technical 

(1 Question)

  • Q1. Questions on core Finance concepts like DCF valuation, Financial Derivatives, Stock Market etc
Round 3 - HR 

(1 Question)

  • Q1. Basic hygiene questions like tell me about yourself and what is your career goal
Round 1 - Technical 

(1 Question)

  • 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...

  • Answered by AI
Round 2 - Technical 

(1 Question)

  • 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 ...

  • Answered by AI
Round 3 - HR 

(1 Question)

  • 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.

  • Answered by AI

Interview Preparation Tips

Interview preparation tips for other job seekers - Be confident n curious to know the details as well.

Skills evaluated in this interview

Round 1 - Aptitude Test 

Math , gk, english

Round 2 - Group Discussion 

AI

Round 3 - One-on-one 

(1 Question)

  • Q1. Ai questions , java questions , coding questions
Round 4 - HR 

(1 Question)

  • Q1. Where do you see yourself in 5 years

Interview Preparation Tips

Interview preparation tips for other job seekers - none , not difficult to get into equifax

Analyst Interview Questions & Answers

ICRA user image Anonymous

posted on 10 May 2021

I applied via Referral and was interviewed before May 2020. There were 3 interview rounds.

Interview Questionnaire 

3 Questions

  • Q1. Written test focused on financial analysis of a company
  • Q2. How do you perform credit analysis ?
  • Ans. 

    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...

  • Answered by AI
  • Q3. What are the key parameters by which you will assess the business risk of a company?
  • Ans. 

    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

  • Answered by AI

Interview Preparation Tips

Interview preparation tips for other job seekers - Be thorough with ratios used to analyze a company's financial health, especially leverage ratios, how to calculate ROCE, cash flow analysis.

Crisil Interview FAQs

How many rounds are there in Crisil Senior Credit Analyst interview?
Crisil interview process usually has 2-3 rounds. The most common rounds in the Crisil interview process are Technical, Case Study and Resume Shortlist.
How to prepare for Crisil Senior Credit Analyst interview?
Go through your CV in detail and study all the technologies mentioned in your CV. Prepare at least two technologies or languages in depth if you are appearing for a technical interview at Crisil. The most common topics and skills that interviewers at Crisil expect are Credit Analysis, Financial Analysis, Client Management, Credit Research and Financial Modelling.
What are the top questions asked in Crisil Senior Credit Analyst interview?

Some of the top questions asked at the Crisil Senior Credit Analyst interview -

  1. How would you rate a bank and what are the key factors that you will look up...read more
  2. What is Capital Adequacy Ratio? What comes in Numerator and denominat...read more
  3. What do we include in CET1 Capital, Total Tier Capit...read more

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Crisil Senior Credit Analyst Interview Process

based on 2 interviews

Interview experience

4
  
Good
View more

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Crisil Senior Credit Analyst Salary
based on 309 salaries
₹8 L/yr - ₹21 L/yr
27% more than the average Senior Credit Analyst Salary in India
View more details

Crisil Senior Credit Analyst Reviews and Ratings

based on 35 reviews

3.7/5

Rating in categories

3.7

Skill development

4.2

Work-life balance

2.5

Salary

4.2

Job security

4.1

Company culture

3.0

Promotions

3.6

Work satisfaction

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