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Equitas Small Finance Bank
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Equitas Small Finance Bank Credit Officer Interview Questions, Process, and Tips
Top Equitas Small Finance Bank Credit Officer Interview Questions and Answers
- Q1. What is CIBIL and Full Form of CIBIL?
- Q2. How to conduct PD With Customer?
- Q3. What is Credit 5cs?
Equitas Small Finance Bank Credit Officer Interview Experiences
18 interviews found
Anonymous
Selected
I applied via Referral and was interviewed before Dec 2023. There was 1 interview round.
(2 Questions)
- Q1. About work experience
- Q2. About the income tax returns
Interview Preparation Tips
Selected
I applied via Referral and was interviewed before Feb 2023. There was 1 interview round.
(5 Questions)
- Q1. What is cash flow analysis
- Ans.
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 gene...
- Q2. What process following in approval
- Ans.
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...
- Q3. Work nature in current company
- Ans.
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 regulat...
- Q4. Your expected Ctc
- Ans.
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 justi
- Q5. Why you relieving your current job
Interview Preparation Tips
Cash flow analysis
I applied via Referral and was interviewed in Dec 2021. There were 3 interview rounds.
Interview Questionnaire
3 Questions
- Q1. Salary Discussion Location Discussion
- Q2. Tell me about yourself.
- Q3. CIBIL full form. What is KYC Documents Credit general knowledge questions
I applied via Walk-in and was interviewed in Jun 2022. There were 2 interview rounds.
Asking for privious job experience and also what is about your actual referent skill in whole process
Interview Preparation Tips
Equitas Small Finance Bank interview questions for designations
I applied via Walk-in and was interviewed before Jul 2021. There were 2 interview rounds.
10 complete through Assembly of God Church School
Interview Preparation Tips
- Operations
- Recruitment
Get interview-ready with Top Equitas Small Finance Bank Interview Questions
I applied via Naukri.com and was interviewed before Nov 2019. There was 1 interview round.
Interview Questionnaire
5 Questions
- Q1. What is CIBIL and Full Form of CIBIL?
- Q2. FOIR and IIR Description?
- Ans.
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...
- Q3. How to conduct PD With Customer?
- Ans.
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 fo...
- Q4. What is Credit 5cs?
- Ans.
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 ...
- Q5. Credit Related Many Questions I.e.like ITR,ABB and Legal Report
Interview Preparation Tips
Credit Officer Jobs at Equitas Small Finance Bank
I applied via Referral and was interviewed in Jul 2019. There were 5 interview rounds.
Interview Questionnaire
1 Question
- Q1. How I will do the pd and I could check the cibil and track. What question to ask from customer. What documents are required for processing the case for decision.
Interview Preparation Tips
I applied via Other and was interviewed before Jan 2017. There were 4 interview rounds.
Interview Questionnaire
4 Questions
- Q1. HR executive Asking me my How was your experience in old company. and how handle client,how is process file punching. your comfort this job profile. you now current job profile.I have give satisfy answer...
- Q2. I am asking about what is the job profile of the company , how study new file.
- Q3. I am asking to HR Executive which salary make and how is increase salary appraisal wise or senior employees wise .
- Q4. What is the timing daily work.
Interview Preparation Tips
Experience: Branch Manager Give One new file than asking me how handle this client and how punched this case.
General Tips: I think every job seekers perfect his profile. minimum 80% knowledge his job profile.He already study against new company. collect his history and information.Any question asking hime but he give answer them confidently. he confidence looking first impression. he look show is perfect executive they good impression. Job seeker complitly real situation tell him. example asking question when que. related discussion must do not west time HR executive.
Skills: dont take work pressure, Communication, Body Language, Problem Solving, Analytical Skills, Leadership, Presentation Skills, Time Management, Decision Making Skills
Duration: <1 week
Top trending discussions
Equitas Small Finance Bank Interview FAQs
The duration of Equitas Small Finance Bank Credit Officer interview process can vary, but typically it takes about less than 2 weeks to complete.
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Equitas Small Finance Bank Credit Officer Interview Process
based on 11 interviews in last 1 year
1 Interview rounds
- One-on-one Round
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Equitas Small Finance Bank Credit Officer Reviews and Ratings
based on 170 reviews
Rating in categories
|
Assistant Manager
867
salaries
|  ₹1.8 L/yr - ₹5.3 L/yr |
|
Business Development Officer
406
salaries
| ₹1.5 L/yr - ₹4.2 L/yr |
|
Deputy Manager
323
salaries
| ₹2.3 L/yr - ₹9.5 L/yr |
|
Customer Service Officer
301
salaries
| ₹1.2 L/yr - ₹5 L/yr |
|
Credit Officer
259
salaries
| ₹1.6 L/yr - ₹4.3 L/yr |
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