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

Updated 8 Jan 2023

1 ESAF Small Finance Bank Credit Officer Interview Experience

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Credit Officer Interview Questions

user image Anonymous

posted on 8 Jan 2023

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

I applied via Naukri.com and was interviewed in Dec 2022.

4 Interview Rounds

1

Resume Shortlist Round

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 tips
2

HR Round (4 Questions)

  • Q1. In this round HR ask question from my CV.
  • Q2. How can handle HL and LAP product
  • Q3. What is difference between housing loan and mortgage loan
  • Q4. Which one is eligible for housing and mortgage loan and other loan
3

Technical Round (7 Questions)

  • Q1. What is underwriting
  • Q2. How can you are calculate income if customer not filing the income tax return in business class
  • Q3. What is the LTV ratio as per the RBI norms
  • Q4. How can you conduct PD in case of Street shops
  • Q5. How can you access the income of Kirana shopkeeper
  • Q6. How can we calculate income of pandit
  • Q7. What is the parameter of cibil
4

HR Round (4 Questions)

  • Q1. What is the main thing in any valuation and technical report
  • Q2. What is the legal report which document is mandatory for em creation
  • Q3. Why 13 years flow is mandatory for any any legal report
  • Q4. What is the incumbrance and CERSAI

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

Interview questions from similar companies

Interview experience
3
 Average
Difficulty level
 -
Duration
 -
Result
 -

1 Interview Round

1

One-on-one Round (2 Questions)

  • Q1. RECENT DIRECTIONS BY RBI ON WILLFUL DEFAULTERS
  • Q2. MSME PRODUCTS OF BOM

Interview Preparation Tips

Interview preparation tips for other job seekers - TECHNICAL & ASKED A LOT OF DATA
Interview experience
5
 Excellent
Difficulty level
 -
Duration
 -
Result
 -

1 Interview Round

1

Technical Round (1 Question)

  • Q1. About credit knowledge
Interview experience
4
 Good
Difficulty level
 Easy
Duration
 Less than 2 weeks
Result
Selected  Selected

I applied via Referral and was interviewed in Jul 2023.

1 Interview Round

1

One-on-one Round (3 Questions)

  • Q1. Family background
  • Q2. About academics
  • Q3. Knowledge about post applying for

Interview Preparation Tips

Interview preparation tips for other job seekers - Be confident and precise and talk to the point. Gain thorough knowledge about company one is applying for and post for which one is giving interview.
Interview experience
5
 Excellent
Difficulty level
 Moderate
Duration
 -
Result
Selected  Selected

I applied via AmbitionBox

3 Interview Rounds

1

Resume Shortlist Round

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 tips
2

One-on-one Round (2 Questions)

  • Q1. Branch banking Credit oriented
  • Q2. Benchmarking related Questions
3

HR Round (1 Question)

  • Q1. Salary details conversation

Interview Questions

  • Q1. Self introduced Add Answer
  • Q2. My Self Samir Patra , I live at west bengal , I am Graduated .Near about 12 years experience in microfinance and banking sector .There job roll Branch Head , Re...read more Add Answer

Interview Preparation Tips

Interview preparation tips for other job seekers - Positively response any questions .

I applied via Naukri.com and was interviewed in Jul 2021.

1 Interview Round

Interview Questions

Interview Preparation Tips

Interview preparation tips for other job seekers - Be bold
Talkactive
Open heart to share the information
Speak honest

I applied via Company Website and was interviewed before Jan 2021.

3 Interview Rounds

1

Aptitude Test Round

Maths reasoning professional knowledge

2

One-on-one Round (1 Question)

  • Q1. Professional knowledge check
3

Resume Shortlist Round

Pro Tip by AmbitionBox:
Don’t add your photo or details such as gender, age, and address in your resume. These details do not add any value.
View all tips

Interview Preparation Tips

Topics to prepare for Punjab & Sind Bank Credit Officer interview:
  • Taxation
Interview preparation tips for other job seekers - Be updated with your professional knowledge
Interview experience
5
 Excellent
Difficulty level
 -
Duration
 -
Result
 -

1 Interview Round

1

HR Round (1 Question)

  • Q1. What do uou know about equitas

I applied via Approached by company and was interviewed in Aug 2021.

2 Interview Rounds

1

HR Round (1 Question)

  • Q1. What are your salary expectations?
2

Selected Round (1 Question)

  • Q1. About salary decisions

Interview Preparation Tips

Interview preparation tips for other job seekers - Go and join its a good company

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.
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 Salary
based on 53 salaries
₹1.8 L/yr - ₹5.7 L/yr
5% more than the average Credit Officer Salary in India
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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 & Benefits

4.3

Job Security

3.7

Company culture

3.7

Promotions/Appraisal

3.5

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