Equitas Small Finance Bank Risk Officer Interview Questions and Answers

Maths and reasoning questions

Q1. Finance related questions
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Q2. Cibil related questions
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Q3. About family background
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Q1. Introduce yourself
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Q2. Basel III Norms, LCR calculation, NSFR Meaning, Return on Capital
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Q3. What is PCA about PCA?
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PCA stands for Principal Component Analysis, a statistical technique used to reduce the dimensionality of data while preserving important information.
• PCA is used to identify patterns in data and reduce the number of variables without losing much information.

• It works by transforming the original variables into a new set of uncorrelated variables called principal components.

• These principal components are ordered by the a...read more
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Q4. What is CRAR?What is CCB?
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CRAR stands for Capital to Risk-Weighted Assets Ratio, a measure of a bank's capital adequacy. CCB stands for Counter-Cyclical Buffer, an additional capital requirement imposed on banks during periods of excessive credit growth.
• CRAR is calculated by dividing a bank's capital by its risk-weighted assets.

• It is used to ensure that banks have enough capital to cover potential losses from their risk exposures.

• CCB is a regul...read more
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Q5. What do you mean by asset liability managemnt?
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Asset liability management is the practice of managing risks that arise due to mismatches between assets and liabilities.
• Asset liability management involves managing the risks associated with the assets and liabilities of a company or organization.

• It aims to ensure that the assets are sufficient to cover the liabilities and meet the organization's financial obligations.

• Strategies used in asset liability management incl...read more
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Q1. Self introduction
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Q2. About Previous job
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Q3. Job change reason
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Seeking new challenges and growth opportunities in a larger organization.
• Desire for career advancement

• Looking for new challenges

• Seeking growth opportunities

• Interested in larger organization with more resources
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Q4. Policy polrocess related
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Q1. Introduction and knowledge
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Q2. Credit Underwriting
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Q1. About your self
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Q2. Work experience
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Q1. What is bond duration
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Q2. What is bond convexity
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Q1. What is option greeks
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Q2. What is BSM and explain
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Q1. RECENT DIRECTIONS BY RBI ON WILLFUL DEFAULTERS
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RBI has issued recent directions on willful defaulters to prevent loan defaults and improve credit discipline.
• RBI has mandated banks to report all willful defaulters to Credit Information Companies (CICs).

• The central bank has also directed banks to publish photographs of willful defaulters in newspapers.

• RBI has set up a Central Repository of Information on Large Credits (CRILC) to track defaulters with exposure of Rs. ...read more
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Q2. MSME PRODUCTS OF BOM
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Bank of Maharashtra offers various MSME products to support small and medium enterprises.
• BOM offers MSME loans for working capital, term loans, and project finance.

• They provide customized financial solutions based on the needs of the MSME sector.

• BOM also offers trade finance facilities like letter of credit and bank guarantees to MSMEs.

• The bank has specific schemes like Stand-Up India and Mudra Yojana to support MSMEs.

• ...read more
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Q1. How would you analyse a company if tou want to give term loan? What if cashflow is negative, will yo lend? Dscr How would you analyse a company
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To analyze a company for a term loan, consider factors like cash flow, debt service coverage ratio (DSCR), financial statements, industry trends, and management quality.
• Examine the company's financial statements to assess its profitability, liquidity, and leverage.

• Calculate the debt service coverage ratio (DSCR) to determine if the company generates enough cash flow to cover its debt obligations.

• Evaluate the company's ...read more
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