30+ SMFG India Credit Credit Manager Interview Questions & Answers | Complete Prep Guide 2025

Top SMFG India Credit Credit Manager Interview Questions and Answers

Q1. How do u understand cibil and it's description like dpd dbt sub standard Dbr ratio Foir ratio

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Q2. What are the metrics used to evaluate risk

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Q3. What is Debt Service Coverage Ratio?

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SMFG India Credit Credit Manager Interview Experiences

12 interviews found

Credit Manager Interview Questions & Answers

Shivaraja K

posted on 6 Aug 2024

Interview experience

Good

Difficulty level

Process Duration

Result

Round 1 - One-on-one

(2 Questions)

Q1. What is meaning of CBIL

Ans.

CBIL stands for Credit Bureau India Limited, which is a credit information company in India.

CBIL is a credit information company that collects and maintains credit information of individuals and businesses.
It provides credit reports and scores to lenders to help them make informed lending decisions.
CBIL helps in reducing the risk of default by providing accurate credit information.
It plays a crucial role in the credit ...

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Q2. What are the metrics used to evaluate risk

Ans.

Metrics used to evaluate risk include credit score, debt-to-income ratio, payment history, and credit utilization.

Credit score: A numerical representation of a borrower's creditworthiness based on their credit history.
Debt-to-income ratio: The percentage of a borrower's monthly income that goes towards paying debts.
Payment history: A record of a borrower's past payments on credit accounts.
Credit utilization: The amount

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Round 2 - HR

(2 Questions)

Q1. Why your leaving privious company

Ans.

Seeking new challenges and growth opportunities in a different work environment.

Desire for career advancement
Looking for new challenges
Seeking better work-life balance
Company restructuring or downsizing
Relocation to a different city

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Q2. What was salary expectation

Ans.

My salary expectation is in line with industry standards and based on my experience and qualifications.

Research industry standards for Credit Manager salaries
Consider my experience and qualifications when determining salary expectation
Be open to negotiation based on the overall compensation package offered

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Credit Manager Interview Questions & Answers

Anonymous

posted on 22 May 2024

Interview experience

Excellent

Difficulty level

Process Duration

Result

Selected

Round 1 - Technical

(2 Questions)

Q1. EXPLAIN ABOUT DSCR?

Ans.

DSCR stands for Debt Service Coverage Ratio, a financial metric used to evaluate a company's ability to repay its debt.

DSCR is calculated by dividing a company's operating income by its total debt service obligations.
A DSCR of 1 or higher indicates that a company is generating enough income to cover its debt payments.
Lenders typically look for a DSCR of 1.25 or higher to consider a company financially healthy.
For examp...

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Q2. CURRENT RATIO AND QUICK RATIO?

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Interview Preparation Tips

Interview preparation tips for other job seekers - PREAPRE RATIO ANALYSIS

Credit Manager Interview Questions & Answers

Anonymous

posted on 28 Feb 2024

Interview experience

Bad

Difficulty level

Hard

Process Duration

4-6 weeks

Result

No response

I was interviewed in Aug 2023.

Round 1 - One-on-one

(1 Question)

Q1. All Unnecessary Questions

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Round 2 - One-on-one

(1 Question)

Q1. Again and Again same questions by same persons on phone and physical round and nothing new and all on notice period still repeating everything without any interest

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Interview Preparation Tips

Interview preparation tips for other job seekers - Majority of Staff were on Notice period and doing time pass by taking several rounds of interview physical and telephonic and repeating the questions. I have given 6 rounds of interview and now none of the employee who has taken my interview is associated with company. Disnt received any call back. When i called back, simply told me that they had left the organisation

Credit Manager Interview Questions & Answers

Anonymous

posted on 5 Apr 2024

Interview experience

Good

Difficulty level

Process Duration

Result

Round 1 - Technical

(2 Questions)

Q1. Explain about DSCR?

Ans.

DSCR stands for Debt Service Coverage Ratio, a financial ratio used to measure a company's ability to pay its debts.

DSCR is calculated by dividing a company's operating income by its total debt service obligations.
A DSCR of 1 or higher indicates that a company is generating enough income to cover its debt payments.
Lenders typically look for a DSCR of 1.25 or higher when considering a loan application.
For example, if a ...

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Q2. Debt Equity Ratio?

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Interview Preparation Tips

Interview preparation tips for other job seekers - Nothing

Skills evaluated in this interview

Credit Manager Interview Questions & Answers

Anonymous

posted on 7 Mar 2024

Interview experience

Excellent

Difficulty level

Moderate

Process Duration

Less than 2 weeks

Result

Selected

I applied via Recruitment Consulltant and was interviewed before Mar 2023. There were 2 interview rounds.

Round 1 - One-on-one

(1 Question)

Q1. 2 nd round with ACM. Interview is friendly.

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Round 2 - HR

(1 Question)

Q1. Salary discussed.

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Get interview-ready with Top SMFG India Credit Interview Questions

Credit Manager 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 Recruitment Consulltant and was interviewed before Dec 2023. There were 2 interview rounds.

Round 1 - Case Study

Who to start PD with customer.
Specific questions related to working experience.

Round 2 - HR

(2 Questions)

Q1. Salary, self, family background and benefits discussion

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Q2. Tell me about yourself

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Interview Preparation Tips

Interview preparation tips for other job seekers - Please prepare before interview.

Credit Manager Interview Questions & Answers

Anonymous

posted on 24 Jan 2024

Interview experience

Excellent

Difficulty level

Moderate

Process Duration

Less than 2 weeks

Result

Selected

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

Round 1 - Technical

(2 Questions)

Q1. What is Debt Service Coverage Ratio?

Ans.

Debt Service Coverage Ratio (DSCR) is a financial metric used to assess a borrower's ability to repay debt obligations.

DSCR measures the cash flow available to cover debt payments.
It is calculated by dividing the borrower's net operating income by their total debt service.
A DSCR of 1 or higher indicates that the borrower has sufficient cash flow to cover their debt obligations.
Lenders often require a minimum DSCR befor...

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Q2. What is Networth?

Ans.

Net worth is the value of an individual's or company's assets minus liabilities.

Net worth is a measure of financial health and indicates the value of an entity after deducting its debts.
It is calculated by subtracting liabilities from assets.
Assets can include cash, investments, real estate, vehicles, and other valuable possessions.
Liabilities encompass debts, loans, mortgages, and other financial obligations.
A positiv...

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Credit Manager Interview Questions & Answers

C Madhu shankar

posted on 15 Dec 2023

Interview experience

Average

Difficulty level

Moderate

Process Duration

Less than 2 weeks

Result

Selected

I applied via Naukri.com and was interviewed before Dec 2022. There were 2 interview rounds.

Round 1 - Resume Shortlist

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.

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Round 2 - One-on-one

(2 Questions)

Q1. About previous job

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Q2. Prepare about cibil

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Interview Preparation Tips

Interview preparation tips for other job seekers - If u are experienced pls avoid joining. If u r fresher pls join. Main problem is timings, working is hectic, no man power. They will make u die ,everyday late log out. Was working in personal loan. if experienced in pl also pls avoid

Credit Manager Interview Questions & Answers

C Madhu shankar

posted on 15 Jun 2023

Interview experience

Good

Difficulty level

Moderate

Process Duration

2-4 weeks

Result

Selected

I applied via Naukri.com and was interviewed before Jun 2022. There were 3 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.

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Round 2 - One-on-one

(2 Questions)

Q1. Tell me about yourself Ratios Financials Cibil part

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Q2. Cibil part Financials ratios Balancesheet

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Round 3 - One-on-one

(2 Questions)

Q1. Cibil part Financial ratios Balancesheet

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Q2. How do u understand cibil and it's description like dpd dbt sub standard Dbr ratio Foir ratio

Ans.

CIBIL is a credit information company that provides credit scores and reports to lenders. DPD stands for Days Past Due, DBT stands for Days Beyond Terms, sub standard refers to loans with high risk of default, Dbr ratio is Debt Burden Ratio, and FOIR ratio is Fixed Obligation to Income Ratio.

CIBIL is a credit information company that provides credit scores and reports to lenders
DPD stands for Days Past Due, indicating ...

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Credit Manager Interview Questions & Answers

Anonymous

posted on 6 Feb 2022

Round 1 - One-on-one

(2 Questions)

Q1. About credit policies

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Q2. Reason for leaving from existing cimpany

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Interview Preparation Tips

Interview preparation tips for other job seekers - Credit policies to be strong

Top trending discussions

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Interview Tips & Stories

I have been shortlisted for an interview at Bloomberg for the investment / real estate reporter role. How can I prepare for the interview? What all do I need to keep in mind for my prep? Please help, I am very nervous! Thank you

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SMFG India Credit Interview FAQs

How many rounds are there in SMFG India Credit Credit Manager interview?

SMFG India Credit interview process usually has 1-2 rounds. The most common rounds in the SMFG India Credit interview process are One-on-one Round, Technical and HR.

How to prepare for SMFG India Credit Credit Manager 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 SMFG India Credit. The most common topics and skills that interviewers at SMFG India Credit expect are Credit Underwriting, Credit Management, Lap, Underwriting and housing loan.

What are the top questions asked in SMFG India Credit Credit Manager interview?

Some of the top questions asked at the SMFG India Credit Credit Manager interview -

How do u understand cibil and it's description like dpd dbt sub standard Dbr ra...read more
What are the metrics used to evaluate r...read more
What is Debt Service Coverage Rat...read more

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SMFG India Credit Credit Manager Interview Process

based on 19 interviews

2 Interview rounds

One-on-one Round
HR Round

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SMFG India Credit Credit Manager Salary

based on 345 salaries

₹2.4 L/yr - ₹11.4 L/yr

15% less than the average Credit Manager Salary in India

View more details

SMFG India Credit Salaries in India

Credit Manager 345 salaries	₹0 L/yr - ₹0 L/yr
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