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SMFG India Credit Interview Questions, Process, and Tips

Updated 1 Mar 2025

Top SMFG India Credit Interview Questions and Answers

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Manager Interview Questions & Answers

user image Anonymous

posted on 19 Feb 2024

Interview experience
4
Good
Difficulty level
Moderate
Process Duration
2-4 weeks
Result
Selected Selected

I applied via Recruitment Consulltant

Round 1 - One-on-one 

(2 Questions)

  • Q1. Different types of SQL joins
  • Ans. 

    SQL joins are used to combine rows from two or more tables based on a related column between them.

    • Types of SQL joins include INNER JOIN, LEFT JOIN, RIGHT JOIN, and FULL JOIN.

    • INNER JOIN returns rows when there is at least one match in both tables.

    • LEFT JOIN returns all rows from the left table and the matched rows from the right table.

    • RIGHT JOIN returns all rows from the right table and the matched rows from the left tab...

  • Answered by AI
  • Q2. Questions from projects I did in my previous company

Interview Preparation Tips

Interview preparation tips for other job seekers - Easy questions will be asked

Skills evaluated in this interview

Manager Interview Questions asked at other Companies

Q1. There is a chairman of a conglomerate. He has been on the post for 10 years, and is extremely dominating. He treats the various business heads like children, not letting them take any major decision. While the chairman has negatives, he bel... read more
View answer (2)
Interview experience
5
Excellent
Difficulty level
-
Process Duration
-
Result
Selected 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...

  • Answered by AI
  • Q2. CURRENT RATIO AND QUICK RATIO?

Interview Preparation Tips

Interview preparation tips for other job seekers - PREAPRE RATIO ANALYSIS

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
View answer (1)

Credit Manager Interview Questions asked at other Companies

Q1. If a client comes to take a loan & he haven't got any type of documents with him (primary or secondary), how will you deal with him? & Tell me first 5 things comes to your mind.
View answer (21)
SMFG India Credit Interview Questions and Answers for Freshers
illustration image
Interview experience
5
Excellent
Difficulty level
Easy
Process Duration
Less than 2 weeks
Result
Selected Selected

I applied via Job Portal and was interviewed in Apr 2024. There was 1 interview round.

Round 1 - HR 

(5 Questions)

  • Q1. Tell me about your self
  • Ans. 

    My self Vahid dundge. I have 1 brother and 1 sister both are married. I have married.I have 1 son. My Father work Farmar. I have small family and joint family.

  • Answered Anonymously
  • Q2. Salary requirements
  • Q3. Compeny Culture
  • Q4. Job Permotion this company
  • Ans. 

    I have as working collection Officer and I am looking for new opportunities.I am waiting for new opportunities.

  • Answered Anonymously
  • Q5. Hiring process interview
  • Ans. 

    I am mention my all details waiting for next process for hiring process. Current my CTC 4.30 and I am looking for 30% hike. I am currently collection Officer and looking for as cluster collection manager opportunity.

  • Answered Anonymously

Collection Officer Interview Questions asked at other Companies

Q1. Petrol expense not provide the co category.why
View answer (9)
Interview experience
4
Good
Difficulty level
-
Process Duration
-
Result
-
Round 1 - One-on-one 

(2 Questions)

  • Q1. They are ask about Excel
  • Q2. Ask about PL recovery knowledge

Interview Preparation Tips

Interview preparation tips for other job seekers - Na

Senior Executive Interview Questions asked at other Companies

Q1. If oneday the men power is very less due to some problem and lode is more that day as a senior Exucative, how will u handle your team ?
View answer (56)

SMFG India Credit interview questions for popular designations

 Sales Manager

 (15)

 Branch Credit Manager

 (13)

 Credit Manager

 (12)

 Branch Collection Incharge

 (6)

 Branch Manager

 (5)

 Collections Manager

 (5)

 Transaction Officer

 (4)

 Management Trainee

 (3)

Interview experience
5
Excellent
Difficulty level
-
Process Duration
-
Result
-
Round 1 - HR 

(2 Questions)

  • Q1. What is experience
  • Ans. 

    Experience is the knowledge and skills acquired through participation in events or activities over a period of time.

    • Experience is gained through hands-on involvement in various tasks and situations.

    • It involves learning from successes and failures.

    • Experience helps in developing expertise and judgment in decision-making.

    • It can be gained through work, education, training, or personal life experiences.

  • Answered by AI
  • Q2. Field experience

Interview Preparation Tips

Interview preparation tips for other job seekers - Company is good

Assistant Branch Manager Interview Questions asked at other Companies

Q1. How to manage branch and achieve the target ?
View answer (2)

Get interview-ready with Top SMFG India Credit Interview Questions

HR Manager Interview Questions & Answers

user image Anonymous

posted on 24 May 2024

Interview experience
5
Excellent
Difficulty level
Moderate
Process Duration
Less than 2 weeks
Result
Selected Selected

I applied via Naukri.com and was interviewed in Apr 2024. There was 1 interview round.

Round 1 - HR 

(2 Questions)

  • Q1. Though concept of HRs industry best practices recruitment and employee connect, attrition control measures
  • Q2. Na na na na

Interview Preparation Tips

Interview preparation tips for other job seekers - Na

HR Manager Interview Questions asked at other Companies

Q1. Can you explain the meaning of performance Management as stated in your CV
View answer (5)
Interview experience
5
Excellent
Difficulty level
Moderate
Process Duration
Less than 2 weeks
Result
Selected Selected

I applied via Referral and was interviewed in Aug 2023. There were 2 interview rounds.

Round 1 - One-on-one 

(2 Questions)

  • Q1. Discussion on very basics
  • Q2. Practical and executions experience discussed
Round 2 - One-on-one 

(2 Questions)

  • Q1. Discuss on RCU Role
  • Q2. Just about current role

Interview Preparation Tips

Interview preparation tips for other job seekers - Very easy and simple discussion in interview was hel... Pankaj Sir gives comfort to candidate first.

State Manager Interview Questions asked at other Companies

Q1. How many experiance u have
View answer (1)

Sales Manager Interview Questions & Answers

user image Anonymous

posted on 15 Jan 2024

Interview experience
5
Excellent
Difficulty level
Moderate
Process Duration
Less than 2 weeks
Result
Selected Selected

I was interviewed in Dec 2023.

Round 1 - HR 

(2 Questions)

  • Q1. What do you know about Personal loan
  • Ans. 

    A personal loan is a type of unsecured loan that individuals can borrow from a bank or financial institution.

    • Personal loans are typically used for various purposes such as debt consolidation, home improvement, or medical expenses.

    • They are unsecured loans, meaning they do not require collateral.

    • Interest rates on personal loans can vary based on factors such as credit score and repayment term.

    • The loan amount and repaymen...

  • Answered by AI
  • Q2. What is code of contuct
  • Ans. 

    A code of conduct is a set of guidelines that outlines acceptable behavior and ethical standards for individuals or organizations.

    • A code of conduct helps establish a positive work culture and promotes ethical decision-making.

    • It provides guidelines for employees on how to interact with customers, colleagues, and stakeholders.

    • Examples of code of conduct principles include honesty, respect, integrity, and confidentiality.

    • ...

  • Answered by AI
Round 2 - One-on-one 

(2 Questions)

  • Q1. What do you know about SMFG
  • Ans. 

    SMFG stands for Sumitomo Mitsui Financial Group, a leading Japanese financial institution.

    • SMFG is one of the largest banking groups in Japan.

    • It offers a wide range of financial services including banking, leasing, securities, and asset management.

    • SMFG has a strong presence both domestically and internationally.

    • The group operates through various subsidiaries such as Sumitomo Mitsui Banking Corporation (SMBC) and SMBC Ni...

  • Answered by AI
  • Q2. How would you sale the Personal loans in high rates
  • Ans. 

    To sell personal loans at high rates, emphasize the benefits of quick access to funds, flexible repayment options, and the potential to improve credit scores.

    • Highlight the speed and convenience of obtaining funds

    • Emphasize the flexibility in repayment terms to suit individual needs

    • Explain how timely repayment can positively impact credit scores

    • Provide examples of how personal loans can be used for various purposes such ...

  • Answered by AI

Top SMFG India Credit Sales Manager Interview Questions and Answers

Q1. How would you sale the Personal loans in high rates
View answer (3)

Sales Manager Interview Questions asked at other Companies

Q1. If you're in Cold areas like Kashmir or Himachal Pradesh. & You have to sell an AC which is having only Cold option. How would you do that?
View answer (17)

AVP Interview Questions & Answers

user image Anonymous

posted on 5 Mar 2024

Interview experience
1
Bad
Difficulty level
Moderate
Process Duration
4-6 weeks
Result
Selected Selected

I applied via Recruitment Consulltant and was interviewed in Sep 2023. There were 3 interview rounds.

Round 1 - Technical 

(1 Question)

  • Q1. Knowledge of product
Round 2 - One-on-one 

(1 Question)

  • Q1. Technical questions based on resume
Round 3 - One-on-one 

(1 Question)

  • Q1. Rbi circulat, AI

AVP Interview Questions asked at other Companies

Q1. How did you implement transformational changes explain with example
View answer (1)

Sales Manager Interview Questions & Answers

user image Anonymous

posted on 29 Dec 2023

Interview experience
4
Good
Difficulty level
Moderate
Process Duration
2-4 weeks
Result
-

I applied via Referral and was interviewed in Jul 2023. There were 2 interview rounds.

Round 1 - One-on-one 

(4 Questions)

  • Q1. How many years work in this industry
  • Q2. Salary regarding questions
  • Q3. How many years work experience
  • Q4. Family members related questions
Round 2 - Last company regards questions  

(4 Questions)

  • Q1. Why switch last company
  • Q2. Some job regarding questions
  • Q3. If customer want Business loan 5lakh what u check
  • Ans. 

    To determine eligibility for a business loan of 5 lakh, I would check the customer's credit score, financial statements, business plan, and collateral.

    • Check the customer's credit score to assess their creditworthiness

    • Review the customer's financial statements to evaluate their financial stability and ability to repay the loan

    • Assess the customer's business plan to understand their goals, strategies, and potential for su...

  • Answered by AI
  • Q4. Loan required loan which documents required?

Interview Preparation Tips

Interview preparation tips for other job seekers - Job very nice 👍

Top SMFG India Credit Sales Manager Interview Questions and Answers

Q1. How would you sale the Personal loans in high rates
View answer (3)

Sales Manager Interview Questions asked at other Companies

Q1. If you're in Cold areas like Kashmir or Himachal Pradesh. & You have to sell an AC which is having only Cold option. How would you do that?
View answer (17)
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SMFG India Credit Interview FAQs

How many rounds are there in SMFG India Credit interview?
SMFG India Credit interview process usually has 1-2 rounds. The most common rounds in the SMFG India Credit interview process are HR, One-on-one Round and Resume Shortlist.
How to prepare for SMFG India Credit 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 Sales, Personal Loans, Microfinance, Rural Finance and Collections.
What are the top questions asked in SMFG India Credit interview?

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

  1. What is underwriting and what you have to do for getting good customer to our f...read more
  2. What's is deference of normal Collection and Bucket collecti...read more
  3. What is Collection ??.. How to Collect the Money From Customer??.. Do You Have ...read more
How long is the SMFG India Credit interview process?

The duration of SMFG India Credit interview process can vary, but typically it takes about less than 2 weeks to complete.

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SMFG India Credit Interview Process

based on 267 interviews

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SMFG India Credit Reviews and Ratings

based on 4.2k reviews

4.0/5

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3.8

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3.7

Work-life balance

4.1

Salary

3.9

Job security

3.8

Company culture

3.6

Promotions

3.7

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