50+ Equitas Small Finance Bank Credit Officer Interview Questions & Answers | Complete Prep Guide 2025

Top Equitas Small Finance Bank Credit Officer Interview Questions and Answers

Q1. What is CIBIL and Full Form of CIBIL?

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Q2. How to conduct PD With Customer?

View answers (5)
Q3. What is Credit 5cs?

View answers (3)

View all 10 questions

Equitas Small Finance Bank Credit Officer Interview Experiences

21 interviews found

Credit Officer Interview Questions & Answers

Anonymous

posted on 3 Jun 2024

Interview experience

Excellent

Difficulty level

Process Duration

Result

Round 1 - HR

(1 Question)

Q1. What do uou know about equitas

Add your answer

Credit Officer Interview Questions & Answers

Anonymous

posted on 15 Nov 2022

Interview Preparation Tips

Interview preparation tips for other job seekers - Having 7.5 year total experience in Credit background.
Expecting Good hike in my ctc

Credit Officer Interview Questions & Answers

Anonymous

posted on 20 Dec 2024

Interview experience

Excellent

Difficulty level

Easy

Process Duration

Less than 2 weeks

Result

Selected

I applied via Referral and was interviewed before Dec 2023. There was 1 interview round.

Interview Preparation Tips

Interview preparation tips for other job seekers - It's good to be part of Equitas Family

Credit Officer Interview Questions & Answers

Anonymous

posted on 20 Dec 2024

Interview experience

Excellent

Difficulty level

Moderate

Process Duration

Less than 2 weeks

Result

Selected

I applied via Job Fair and was interviewed before Dec 2023. There was 1 interview round.

Interview Preparation Tips

Interview preparation tips for other job seekers - Banking Norms and banking benifits

Credit Officer Interview Questions & Answers

Anonymous

posted on 16 Feb 2024

Interview experience

Good

Difficulty level

Moderate

Process Duration

Less than 2 weeks

Result

Selected

I applied via Referral and was interviewed before Feb 2023. There was 1 interview round.

Interview Preparation Tips

Interview preparation tips for other job seekers - Process related knowledge regarding credit
Cash flow analysis

Get interview-ready with Top Equitas Small Finance Bank Interview Questions

Credit Officer Interview Questions & Answers

Anonymous

posted on 11 Dec 2021

I applied via Referral and was interviewed in Dec 2021. There were 3 interview rounds.

Interview Questionnaire

3 Questions

Q1. Salary Discussion Location Discussion

Add your answer

Q2. Tell me about yourself.

Add your answer

Q3. CIBIL full form. What is KYC Documents Credit general knowledge questions

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Credit Officer Jobs at Equitas Small Finance Bank

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Credit Officer

Rajkot

1-4 Yrs

Not Disclosed

Credit Officer Interview Questions & Answers

posted on 7 Jun 2022

I applied via Walk-in and was interviewed in Jun 2022. There were 2 interview rounds.

Interview Preparation Tips

Interview preparation tips for other job seekers - Honestly and trust is key of the success

Credit Officer Interview Questions & Answers

Anonymous

posted on 14 Jul 2022

I applied via Walk-in and was interviewed before Jul 2021. There were 2 interview rounds.

Interview Preparation Tips

Topics to prepare for Equitas Small Finance Bank Credit Officer interview:

Operations
Recruitment

Interview preparation tips for other job seekers - Work as a Credit officer in ESFB. Through phone call.

Credit Officer Interview Questions & Answers

Anonymous

posted on 11 Jan 2020

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.

View 1 more answer

Interview Preparation Tips

Interview preparation tips for other job seekers - My interview is very good with Acm Sir. I satisfy to my boss with answers.

Credit Officer Interview Questions & Answers

Anonymous

posted on 18 Nov 2020

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?

View 10 more answers

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...

Answered by AI

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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...

Answered by AI

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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 ...

Answered by AI

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Q5. Credit Related Many Questions I.e.like ITR,ABB and Legal Report

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Interview Preparation Tips

Interview preparation tips for other job seekers - This interview was a technical one but was majorly a stress test. It lasted for about 45 Minutes. The interviewer wanted to test both my knowledge and communication skills. Most of the questions asked to me were related to Last Experience Company Credit Policy and Work curriculum i.e. Customer Profile, Credit Process, Credit Sanction related topics. He stressed a lot on the basics related to my Credit Work topic.Luckily I was able to answer most of the questions correctly. I tried to answer each question with examples and also used props on the table (like pens, paperweights, pen stands etc.) to explain my theories and Practice Experience.You need to stay calm and should apply presence of mind. Please go through the job description thoroughly word-by-word and recheck your resume to ensure that you are a best-fit for the position.

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I received an offer from an HR Resourcing Organization to work on a contract basis with a MNC. They assured me that if I perform well, I could become a full-time employee there. However, I'm a bit worried because they won't be deducting PF during the contract ... read more

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Equitas Small Finance Bank Interview FAQs

How many rounds are there in Equitas Small Finance Bank Credit Officer interview?

Equitas Small Finance Bank interview process usually has 1-2 rounds. The most common rounds in the Equitas Small Finance Bank interview process are HR, One-on-one Round and Resume Shortlist.

How to prepare for Equitas Small Finance Bank Credit Officer 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 Equitas Small Finance Bank. The most common topics and skills that interviewers at Equitas Small Finance Bank expect are CAM, Credit Appraisal, Credit Analysis, Credit Policy and Credit Underwriting.

What are the top questions asked in Equitas Small Finance Bank Credit Officer interview?

Some of the top questions asked at the Equitas Small Finance Bank Credit Officer interview -

What is CIBIL and Full Form of CIB...read more
How to conduct PD With Custom...read more
What is Credit 5...read more

How long is the Equitas Small Finance Bank Credit Officer interview process?

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 Interviews By Designations

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Equitas Small Finance Bank Credit Officer Interview Process

based on 28 interviews

2 Interview rounds

HR Round
Group Discussion Round

Join Equitas Small Finance Bank #BeyondBanking

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Equitas Small Finance Bank Credit Officer Salary

based on 275 salaries

₹1.2 L/yr - ₹4.4 L/yr

14% less than the average Credit Officer Salary in India

View more details

Credit Officer Jobs at Equitas Small Finance Bank

Credit Officer

Rajkot

1-4 Yrs

Not Disclosed

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