Equitas Small Finance Bank
10+ Ugyan Edutech Interview Questions and Answers
Q1. What is CIBIL and Full Form of CIBIL?
CIBIL is a credit information company that maintains credit records of individuals and companies.
CIBIL stands for Credit Information Bureau (India) Limited.
It is a credit information company that collects and maintains credit records of individuals and companies.
CIBIL score is a 3-digit number that represents an individual's creditworthiness.
Banks and financial institutions use CIBIL score to evaluate a person's creditworthiness before approving a loan or credit card.
CIBIL al...read more
Q2. How to conduct PD With Customer?
PD with customer involves assessing the probability of default for a borrower.
Gather information about the customer's financial history and current situation
Analyze the data to determine the likelihood of default
Consider external factors such as economic conditions and industry trends
Use a credit scoring model or other tools to assist in the assessment
Communicate the findings to the customer and make recommendations for risk mitigation
Continuously monitor the customer's credi...read more
Q3. What is Credit 5cs?
Credit 5Cs is a framework used by lenders to evaluate the creditworthiness of a borrower.
The 5Cs are Character, Capacity, Capital, Collateral, and Conditions.
Character refers to the borrower's reputation and credit history.
Capacity refers to the borrower's ability to repay the loan.
Capital refers to the borrower's assets and net worth.
Collateral refers to the assets that can be used as security for the loan.
Conditions refer to the economic and industry conditions that may aff...read more
Q4. FOIR and IIR Description?
FOIR and IIR are ratios used by lenders to assess the creditworthiness of borrowers.
FOIR stands for Fixed Obligation to Income Ratio and is calculated by dividing the borrower's fixed obligations (such as loan EMIs, rent, etc.) by their monthly income.
IIR stands for Installment to Income Ratio and is calculated by dividing the borrower's total loan installments by their monthly income.
Both ratios help lenders determine if a borrower can afford to take on additional debt.
For e...read more
Q5. Are you suitable for appliedrole.
Yes, I am suitable for the role of Credit Officer due to my strong financial background and experience in analyzing credit risk.
I have a degree in finance and have completed relevant courses in credit analysis.
I have previous experience working as a credit analyst, where I successfully assessed credit risk for various clients.
I am proficient in financial modeling and have a strong understanding of financial statements.
I have excellent communication skills, which are essential...read more
Q6. What process following in approval
The approval process involves several steps to assess the creditworthiness of the borrower.
Collect and review the borrower's financial information
Analyze the borrower's credit history and credit score
Assess the borrower's income and debt-to-income ratio
Evaluate the borrower's collateral or assets
Determine the loan amount, interest rate, and repayment terms
Conduct a risk assessment and make a decision on approval
Prepare the loan documentation
Communicate the approval decision t...read more
Q7. What is cash flow analysis
Cash flow analysis is the process of evaluating the inflows and outflows of cash in a business to assess its financial health.
Cash flow analysis helps determine the ability of a business to generate cash and meet its financial obligations.
It involves examining the sources and uses of cash, including operating activities, investing activities, and financing activities.
Positive cash flow indicates that a business is generating more cash than it is spending, while negative cash ...read more
Q8. Tell about Equitas bank
Equitas Small Finance Bank is a scheduled commercial bank in India focused on serving the financial needs of micro and small enterprises.
Equitas Small Finance Bank was established in 2007 as a microfinance institution before receiving a banking license in 2016.
The bank offers a range of financial products and services including savings accounts, fixed deposits, loans, and insurance.
Equitas Small Finance Bank has a strong presence in South India and aims to promote financial i...read more
Q9. Work nature in current company
I work as a Credit Officer in a financial institution, where I assess and analyze creditworthiness of individuals and businesses.
Evaluate loan applications and determine the creditworthiness of borrowers
Analyze financial statements, credit reports, and other relevant documents
Assess risks associated with lending and make recommendations for loan approvals or rejections
Ensure compliance with lending policies and regulations
Communicate with clients to gather necessary informati...read more
Q10. Your expected Ctc
I expect a competitive CTC based on my qualifications and experience.
I have a strong educational background and relevant work experience which makes me deserving of a competitive CTC.
I have researched the market rates for Credit Officers and have a realistic expectation.
I am open to negotiation and willing to consider other benefits apart from the CTC.
I believe my skills and contributions to the organization will justify the CTC I expect.
More about working at Equitas Small Finance Bank
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