HDB Financial Services Credit Analyst Interview Questions and Answers

Q1. About Ratio Analysis specifically DSCR , Leverage , Quasi equity
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Q2. About product knowledge and industry knowledge
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Q1. Working place and location
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Q2. My experience credit team SME
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Q1. My job experience 6 years
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Q2. On time job working
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Q1. May notice period 2 month
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Q2. Dehradun Vikasnagr
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Q1. Technical related questions
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Q2. Product related questions
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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 ...read more
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Q2. What are the metrics used to evaluate risk
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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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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
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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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Basic maths and common science exam

Q1. Inroduce urself
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Q2. What is loan procurement
Ans. 
Loan procurement is the process of obtaining a loan from a financial institution or lender.
• Involves submitting an application for a loan

• Includes providing necessary documentation such as income verification and credit history

• May require meeting certain eligibility criteria set by the lender

• Can involve negotiating loan terms and interest rates

• Examples: applying for a mortgage, car loan, or personal loan
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Q1. When was microfinance established
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Microfinance was established in the 1970s as a way to provide financial services to low-income individuals and communities.
• Microfinance originated in the 1970s as an initiative to alleviate poverty and promote financial inclusion.

• The Grameen Bank in Bangladesh, founded by Muhammad Yunus in 1976, is often credited as the pioneer of modern microfinance.

• Microfinance institutions offer small loans, savings accounts, and ot...read more
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Q2. Muthoot MICROFIN CEO
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Q3. The company was set up muthoot
Ans. MR N. Mathai Muthoot) in 1887 at Kozhencherry
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Q1. What is your previous work process.
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Q2. What is the maximum limit of loan you deals with.
Ans. 
As a Credit Risk Analyst, I typically deal with loan limits ranging from $10,000 to $1,000,000 depending on the client's creditworthiness.
• Loan limits can vary based on the client's credit score, income, and financial history.

• I have experience analyzing and approving loans ranging from small personal loans to large commercial loans.

• The maximum loan limit I have dealt with is $1,000,000 for a commercial real estate proje...read more
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Q1. What do you know about Shriram Finance
Ans. 
Shriram Finance is a leading non-banking financial company in India, specializing in vehicle financing.
• Established in 1974

• Offers a wide range of financial products including loans for commercial vehicles, passenger vehicles, and construction equipment

• Has a strong presence in rural and semi-urban areas

• Part of the Shriram Group, a prominent conglomerate in India
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Q2. What is your basic understanding of Credit Analyst
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Credit Analyst assesses the creditworthiness of individuals or companies by analyzing financial data and determining the likelihood of repayment.
• Evaluate financial data such as income, assets, debts, and credit history

• Assess risk factors and determine credit ratings

• Make recommendations on credit limits and terms

• Monitor and review credit accounts for potential risks

• Communicate findings and recommendations to management
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