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ESAF Small Finance Bank Credit Officer Interview Questions, Process, and Tips

Updated 8 Jan 2023

ESAF Small Finance Bank Credit Officer Interview Experiences

1 interview found

Interview experience
5
Excellent
Difficulty level
Hard
Process Duration
2-4 weeks
Result
Selected Selected

I applied via Naukri.com and was interviewed in Dec 2022. There were 4 interview rounds.

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 Resume tips
Round 2 - HR 

(4 Questions)

  • Q1. In this round HR ask question from my CV.
  • Q2. How can handle HL and LAP product
  • Ans. 

    Handling HL and LAP products requires thorough knowledge of credit policies, risk assessment, and customer profiling.

    • Understand the credit policies and guidelines of the organization

    • Conduct a thorough risk assessment of the borrower and collateral

    • Profile the customer to understand their financial background and repayment capacity

    • Ensure timely disbursement and monitoring of the loan

    • Maintain regular communication with th...

  • Answered by AI
  • Q3. What is difference between housing loan and mortgage loan
  • Ans. 

    Housing loan is for purchasing or constructing a house, while mortgage loan is secured by a property as collateral.

    • Housing loan is used for buying or building a house, while mortgage loan can be used for any purpose but is secured by a property as collateral.

    • Housing loan is typically for a longer term and has lower interest rates than mortgage loan.

    • Mortgage loan can be used to refinance an existing loan or to consolida...

  • Answered by AI
  • Q4. Which one is eligible for housing and mortgage loan and other loan
  • Ans. 

    Individuals with stable income, good credit score, and sufficient collateral are eligible for housing, mortgage, and other loans.

    • Stable income is a key factor in loan eligibility

    • Good credit score indicates creditworthiness and repayment capability

    • Sufficient collateral provides security to the lender

    • Other factors such as age, employment history, and debt-to-income ratio may also be considered

    • Examples of collateral inclu

  • Answered by AI
Round 3 - Technical 

(7 Questions)

  • Q1. What is underwriting
  • Ans. 

    Underwriting is the process of evaluating the risk of lending money to a borrower.

    • Underwriting involves analyzing the borrower's creditworthiness, financial history, and ability to repay the loan.

    • The underwriter also assesses the value of the collateral, if any, that the borrower is offering to secure the loan.

    • Based on this analysis, the underwriter decides whether to approve or deny the loan, and what terms and condit...

  • Answered by AI
  • Q2. How can you are calculate income if customer not filing the income tax return in business class
  • Ans. 

    To calculate income for a customer not filing income tax return in business class, alternative methods can be used.

    • Review bank statements and financial records to identify income sources and patterns

    • Consider industry benchmarks and market research to estimate income

    • Assess the customer's assets, investments, and property ownership to determine potential income

    • Analyze the customer's business expenses and profit margins t...

  • Answered by AI
  • Q3. What is the LTV ratio as per the RBI norms
  • Ans. 

    The LTV ratio as per RBI norms varies based on the type of loan and collateral.

    • For home loans up to Rs. 75 lakh, the LTV ratio is 90%

    • For loans above Rs. 75 lakh, the LTV ratio is 80%

    • For loans against gold jewellery, the LTV ratio is 75%

    • For loans against fixed deposits, the LTV ratio is 90%

    • The LTV ratio is the ratio of the loan amount to the value of the collateral

    • RBI periodically reviews and revises the LTV ratio norms

  • Answered by AI
  • Q4. How can you conduct PD in case of Street shops
  • Ans. 

    PD for street shops can be conducted through a combination of on-site visits, financial analysis, and market research.

    • Conduct on-site visits to observe the shop's location, foot traffic, and overall appearance.

    • Analyze the shop's financial statements, including income statements and balance sheets.

    • Research the local market to understand competition and demand for the shop's products or services.

    • Consider the shop owner's...

  • Answered by AI
  • Q5. How can you access the income of Kirana shopkeeper
  • Ans. 

    The income of a Kirana shopkeeper can be accessed through various methods.

    • One can ask for the shop's financial statements and tax returns.

    • One can also observe the shop's daily sales and estimate the income.

    • Additionally, one can ask for references from suppliers or other business partners.

    • Finally, one can conduct a credit check to determine the shop's creditworthiness.

    • It is important to respect the shopkeeper's privacy

  • Answered by AI
  • Q6. How can we calculate income of pandit
  • Ans. 

    The income of a pandit can be calculated based on their profession and the services they provide.

    • Calculate the fees charged by the pandit for various services like performing puja, conducting rituals, etc.

    • Consider the number of clients the pandit serves in a month or year.

    • Take into account any additional income sources like teaching or writing books on Hinduism.

    • Compare the income with the average income of pandits in t...

  • Answered by AI
  • Q7. What is the parameter of cibil
  • Ans. 

    CIBIL is a credit information company that maintains credit records of individuals and companies.

    • CIBIL stands for Credit Information Bureau (India) Limited.

    • It maintains credit records of individuals and companies, including their credit history, credit score, and creditworthiness.

    • The credit score ranges from 300 to 900, with a higher score indicating better creditworthiness.

    • Lenders use CIBIL reports to evaluate the cre...

  • Answered by AI
Round 4 - HR 

(4 Questions)

  • Q1. What is the main thing in any valuation and technical report
  • Ans. 

    The main thing in any valuation and technical report is accuracy.

    • Accuracy is crucial in any valuation and technical report.

    • The report should be based on reliable data and calculations.

    • The report should be free from errors and inconsistencies.

    • The report should be able to provide a clear and concise picture of the subject being evaluated.

    • For example, in a credit report, accuracy is important in determining the creditwort

  • Answered by AI
  • Q2. What is the legal report which document is mandatory for em creation
  • Ans. 

    The legal report mandatory for EM creation is the credit report.

    • The credit report is a detailed summary of an individual's credit history and financial behavior.

    • It includes information on credit accounts, payment history, outstanding debts, bankruptcies, and other financial data.

    • Lenders use credit reports to assess the creditworthiness of a borrower and determine the risk of lending money to them.

    • The credit report is m...

  • Answered by AI
  • Q3. Why 13 years flow is mandatory for any any legal report
  • Ans. 

    13 years flow is mandatory for any legal report to ensure accuracy and completeness of information.

    • The 13-year time frame is based on the statute of limitations for most legal claims.

    • It allows for a comprehensive review of the borrower's credit history and financial behavior.

    • It also helps to identify any patterns or trends in the borrower's creditworthiness.

    • Examples of legal reports that require a 13-year flow include ...

  • Answered by AI
  • Q4. What is the incumbrance and CERSAI
  • Ans. 

    Incumbrance refers to a claim or lien on a property, while CERSAI is a central registry for security interests on movable assets.

    • Incumbrance can be in the form of a mortgage, a lien, or a charge on a property.

    • CERSAI stands for Central Registry of Securitisation Asset Reconstruction and Security Interest of India.

    • CERSAI is a government-owned company that maintains a central registry of security interests on movable asse...

  • Answered by AI

Interview Preparation Tips

Interview preparation tips for other job seekers - I always suggest to jobs seekers before giving any interviews we have to update basic knowledge and read policies and rules and regulation as per RBI, without taking any conceptual and basic knowledge we cannot break any interview

Credit Officer Jobs at ESAF Small Finance Bank

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Interview questions from similar companies

Interview experience
5
Excellent
Difficulty level
Easy
Process Duration
2-4 weeks
Result
Selected Selected

I applied via LinkedIn and was interviewed before Apr 2023. There was 1 interview round.

Round 1 - HR 

(1 Question)

  • Q1. Family background
Interview experience
5
Excellent
Difficulty level
Easy
Process Duration
2-4 weeks
Result
Selected Selected

I applied via LinkedIn and was interviewed in Nov 2024. There were 4 interview rounds.

Round 1 - HR 

(2 Questions)

  • Q1. Present working this field experience provide all details
  • Q2. Good Communication Skills
Round 2 - HR 

(2 Questions)

  • Q1. Working experience is better
  • Q2. Credit, Risk, Audit and Quality Manager
Round 3 - HR 

(2 Questions)

  • Q1. Branch Credit Manager
  • Q2. Working experience is good
Round 4 - HR 

(2 Questions)

  • Q1. Good Communication Skills
  • Q2. Experience is good

I applied via Walk-in and was interviewed in Sep 2021. There was 1 interview round.

Interview Questionnaire 

1 Question

  • Q1. Privous compni portfolio kya tha,.

Interview Preparation Tips

Interview preparation tips for other job seekers - Annpurna is best finance company.
Interview experience
1
Bad
Difficulty level
Easy
Process Duration
Less than 2 weeks
Result
Selected Selected

I applied via Recruitment Consulltant and was interviewed before Oct 2022. There were 2 interview rounds.

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 Resume tips
Round 2 - HR 

(5 Questions)

  • Q1. How much experience
  • Q2. Which location you want
  • Q3. How to work in sales
  • Ans. 

    Working in sales involves building relationships, understanding customer needs, and effectively communicating the value of products or services.

    • Develop strong communication and interpersonal skills

    • Understand the product or service being sold

    • Identify and target potential customers

    • Build and maintain relationships with clients

    • Negotiate and close deals effectively

    • Track and analyze sales data to improve performance

  • Answered by AI
  • Q4. How to seles product
  • Ans. 

    To sell a product, understand customer needs, highlight product benefits, build rapport, overcome objections, and close the sale.

    • Understand customer needs by asking questions and actively listening

    • Highlight product benefits and unique selling points

    • Build rapport and establish trust with the customer

    • Overcome objections by addressing concerns and providing solutions

    • Close the sale by asking for the order or offering incen

  • Answered by AI
  • Q5. HR has conducted the interview has esyly
Interview experience
3
Average
Difficulty level
Easy
Process Duration
2-4 weeks
Result
Selected Selected

I applied via Walk-in and was interviewed before Apr 2023. There were 2 interview rounds.

Round 1 - HR 

(1 Question)

  • Q1. Why do you want this job
Round 2 - One-on-one 

(1 Question)

  • Q1. It is afield sales job

Interview Preparation Tips

Interview preparation tips for other job seekers - Bank environment is good and friendly but too much parcility in upper managment

I applied via Walk-in and was interviewed before Jun 2020. There was 1 interview round.

Interview Questionnaire 

1 Question

  • Q1. Tell me about yourself

Interview Preparation Tips

Interview preparation tips for other job seekers - I am Amit Kumar from Muzaffarpur District I Completed my Graduation from Muzaffarpur University

Interview Questionnaire 

3 Questions

  • Q1. At first,ask me tell me your self??
  • Q2. Secondly,why you want to join jana small finance bank?
  • Q3. At last, what is your dream?
Interview experience
5
Excellent
Difficulty level
-
Process Duration
Less than 2 weeks
Result
Selected Selected

I applied via Walk-in and was interviewed in Oct 2023. There were 2 interview rounds.

Round 1 - Resume Shortlist 
Pro Tip by AmbitionBox:
Do not use an unprofessional email address such as cool_boy@email.com. It shows a lack of professionalism by the candidate.
View all Resume tips
Round 2 - Rm 

(5 Questions)

  • Q1. My qualifications and my resume
  • Q2. My qualifications and my resume are you any condition to work
  • Q3. And no more any condition
  • Q4. Office time note personal work
  • Q5. Whith any day and time
  • Ans. 

    I am available for an interview any day and time.

    • I am flexible and can accommodate any schedule for the interview.

    • I prioritize the opportunity to discuss my qualifications and experience.

    • I am eager to learn more about the sales officer position and how I can contribute to the team.

  • Answered by AI
Interview experience
5
Excellent
Difficulty level
Hard
Process Duration
2-4 weeks
Result
Selected Selected

I applied via Referral and was interviewed before May 2022. There were 4 interview rounds.

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 Resume tips
Round 2 - Assignment 

They gave assignement to prepare report with excel

Round 3 - Assignment 

One assignment that should present in PPT

Round 4 - One-on-one 

(1 Question)

  • Q1. Asked about existing job responsibilities and what i can do present role which they offering me
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ESAF Small Finance Bank Interview FAQs

How many rounds are there in ESAF Small Finance Bank Credit Officer interview?
ESAF Small Finance Bank interview process usually has 4 rounds. The most common rounds in the ESAF Small Finance Bank interview process are HR, Resume Shortlist and Technical.
How to prepare for ESAF 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 ESAF Small Finance Bank. The most common topics and skills that interviewers at ESAF Small Finance Bank expect are Compliance, Customer Service, MS Office, CRM Software and Financial Analysis.
What are the top questions asked in ESAF Small Finance Bank Credit Officer interview?

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

  1. How can you are calculate income if customer not filing the income tax return i...read more
  2. Which one is eligible for housing and mortgage loan and other l...read more
  3. What is the main thing in any valuation and technical rep...read more

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ESAF Small Finance Bank Credit Officer Interview Process

based on 2 interviews

Interview experience

4.5
  
Good
View more
ESAF Small Finance Bank Credit Officer Salary
based on 56 salaries
₹1.8 L/yr - ₹5.8 L/yr
At par with the average Credit Officer Salary in India
View more details

ESAF Small Finance Bank Credit Officer Reviews and Ratings

based on 18 reviews

3.8/5

Rating in categories

3.7

Skill development

3.5

Work-life balance

3.5

Salary

4.3

Job security

3.7

Company culture

3.7

Promotions

3.5

Work satisfaction

Explore 18 Reviews and Ratings
Credit Officer - Auto Loan

Mumbai,

New Delhi

+1

1-4 Yrs

₹ 2.15-3.55 LPA

Credit Officer - Mortgage Loan

Mumbai,

New Delhi

+1

1-4 Yrs

₹ 2.15-3.55 LPA

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