HDB Financial Services
Proud winner of ABECA 2025 - AmbitionBox Employee Choice Awards
Filter interviews by
I possess strong knowledge of MIS reports, Excel, and computer skills essential for effective credit relationship management.
MIS Reports: I can generate and analyze Management Information System reports to track credit performance and identify trends.
Excel Proficiency: I am skilled in using Excel for data analysis, including pivot tables and advanced formulas to manage financial data.
Data Visualization: I can crea...
Journal entry for Credit Relationship Manager position
Identify the accounts involved (e.g. Cash, Accounts Receivable, Sales)
Determine the type of transaction (e.g. sale of goods, payment of expenses)
Debit and credit the appropriate accounts based on the transaction
Ensure the accounting equation (Assets = Liabilities + Equity) remains balanced
The particular item is found in the liabilities section of the balance sheet.
Liabilities section of the balance sheet
Opposite of assets
Includes debts and obligations
Sub mean in CIBIL refers to the credit score calculated by CIBIL for individuals with limited credit history.
Sub mean is used by CIBIL to assess the creditworthiness of individuals with insufficient credit history.
It is a subset of the overall credit score and may be lower due to lack of credit history.
Lenders may consider other factors in addition to the sub mean score when evaluating credit applications.
For exam...
DTI stands for Debt-to-Income ratio and FOIR stands for Fixed Obligation to Income ratio.
DTI is a measure of how much debt a person has compared to their income.
FOIR is a measure of how much of a person's income is already committed to fixed obligations like rent or loan payments.
Both ratios are used by lenders to assess a borrower's ability to repay a loan.
A high DTI or FOIR may indicate that a borrower is at ris...
CBIL stands for Coronavirus Business Interruption Loan. It is a loan scheme introduced by the UK government to support small and medium-sized businesses affected by the COVID-19 pandemic.
CBIL is a loan scheme introduced by the UK government to support small and medium-sized businesses affected by the COVID-19 pandemic.
It provides financial support to businesses that are losing revenue or experiencing cash flow dis...
CIBIL and CRIF reports provide insights into credit history, helping lenders assess an individual's creditworthiness.
Credit Score: Both reports include a credit score, typically ranging from 300 to 900, indicating creditworthiness. A score above 750 is considered good.
Credit History: They detail past loans, credit cards, and payment history, showing whether payments were made on time or missed.
Credit Utilization: ...
PL stands for Personal Loan and Mortgage is a loan taken against a property.
PL is an unsecured loan that can be used for any purpose.
Mortgage is a secured loan where the property is used as collateral.
PL interest rates are higher than mortgage rates.
Mortgage is a long-term loan with a fixed or adjustable interest rate.
PL is a short-term loan with a fixed interest rate.
Examples of PL include credit card debt consol...
I appeared for an interview in Apr 2025, where I was asked the following questions.
Experience in business and personal loans involves assessing creditworthiness and managing client relationships effectively.
Credit Assessment: Evaluating the credit history and financial stability of clients seeking loans, ensuring they meet lending criteria.
Loan Structuring: Designing loan products tailored to the specific needs of businesses or individuals, such as flexible repayment terms.
Risk Management: Identifyin...
Expected salary for a Credit Relationship Manager depends on experience, location, and industry standards, typically ranging from $70k to $120k.
Market Research: It's essential to research industry standards for similar roles in your region to provide a competitive salary expectation.
Experience Level: Consider your years of experience; for instance, a manager with over 10 years may expect a higher salary than someone wi...
I possess strong knowledge of MIS reports, Excel, and computer skills essential for effective credit relationship management.
MIS Reports: I can generate and analyze Management Information System reports to track credit performance and identify trends.
Excel Proficiency: I am skilled in using Excel for data analysis, including pivot tables and advanced formulas to manage financial data.
Data Visualization: I can create ch...
CIBIL and CRIF reports provide insights into credit history, helping lenders assess an individual's creditworthiness.
Credit Score: Both reports include a credit score, typically ranging from 300 to 900, indicating creditworthiness. A score above 750 is considered good.
Credit History: They detail past loans, credit cards, and payment history, showing whether payments were made on time or missed.
Credit Utilization: This ...
Yes, I would go for a collection visit as it is essential for maintaining client relationships and ensuring timely payments.
Building Relationships: Personal visits can strengthen relationships with clients, showing them that we value their business.
Understanding Client Situations: Meeting clients in person allows for a better understanding of their financial situations and challenges.
Negotiation Opportunities: Face-to-...
Experienced Credit Relationship Manager with a strong background in finance and client relations, dedicated to fostering long-term partnerships.
Over 5 years of experience in credit management, successfully managing a portfolio of high-value clients.
Skilled in assessing credit risk and developing tailored financial solutions, resulting in a 20% increase in client satisfaction.
Proficient in building and maintaining relat...
Journal entry for Credit Relationship Manager position
Identify the accounts involved (e.g. Cash, Accounts Receivable, Sales)
Determine the type of transaction (e.g. sale of goods, payment of expenses)
Debit and credit the appropriate accounts based on the transaction
Ensure the accounting equation (Assets = Liabilities + Equity) remains balanced
The particular item is found in the liabilities section of the balance sheet.
Liabilities section of the balance sheet
Opposite of assets
Includes debts and obligations
I appeared for an interview in Feb 2025, where I was asked the following questions.
I appeared for an interview in Dec 2024.
My current CTC is $60,000 per year.
My current CTC is $60,000 per year
I am currently earning $5,000 per month
My annual salary is $60,000
I am a dedicated and experienced Credit Relationship Manager with a strong background in financial analysis and risk assessment.
Over 5 years of experience in managing credit relationships with clients
Proficient in financial analysis and risk assessment
Strong communication and negotiation skills
Proven track record of successfully managing credit portfolios
Ability to develop and maintain strong client relationships
Loan process involves application, underwriting, approval, and funding stages.
Application: Borrower submits loan application with necessary documents.
Underwriting: Lender evaluates borrower's creditworthiness and risk.
Approval: Loan is approved or denied based on underwriting results.
Funding: Once approved, funds are disbursed to borrower.
Repayment: Borrower repays loan amount with interest according to agreed terms.
I applied via Walk-in and was interviewed in Mar 2024. There were 2 interview rounds.
Experienced credit relationship manager with a strong track record in managing client portfolios and driving revenue growth.
Over 5 years of experience in credit analysis and relationship management
Successfully managed a portfolio of high net worth clients, increasing revenue by 20%
Strong understanding of financial markets and risk assessment
Excellent communication and negotiation skills
Proven ability to build and maint...
As a Credit Relationship Manager, my job involves managing relationships with clients, assessing creditworthiness, and ensuring timely repayment of loans.
Assessing the creditworthiness of clients by analyzing financial statements and credit reports
Developing and maintaining relationships with clients to understand their financial needs and provide appropriate credit solutions
Monitoring loan portfolios to ensure timely ...
I am a dedicated and experienced Credit Relationship Manager with a strong background in financial analysis and risk assessment.
Over 5 years of experience in credit analysis and relationship management
Proficient in financial statement analysis and risk assessment
Strong communication and negotiation skills
Proven track record of building and maintaining strong client relationships
Ability to work effectively in a fast-pac...
As a Credit Relationship Manager, my job involves managing client relationships, assessing creditworthiness, monitoring loan portfolios, and providing financial advice.
Managing client relationships to ensure customer satisfaction and retention
Assessing creditworthiness of clients by analyzing financial statements and credit reports
Monitoring loan portfolios to identify potential risks and opportunities for growth
Provid...
I appeared for an interview in Jul 2024.
I have 5 years of experience as a Credit Relationship Manager with a salary expectation of $80,000.
5 years of experience in credit relationship management
Salary expectation of $80,000
Proven track record of successfully managing credit relationships
Strong understanding of financial analysis and risk assessment
Ability to negotiate and communicate effectively with clients
I applied via Naukri.com and was interviewed in Mar 2024. There were 2 interview rounds.
I applied via Walk-in and was interviewed in Mar 2024. There was 1 interview round.
I managed client relationships, assessed credit risks, and facilitated loan approvals, enhancing customer satisfaction and portfolio growth.
Developed and maintained strong relationships with over 100 clients, ensuring their financial needs were met.
Conducted thorough credit assessments, analyzing financial statements and credit histories to determine loan eligibility.
Collaborated with cross-functional teams to streamli...
Top trending discussions
The duration of HDB Financial Services Credit Relationship Manager interview process can vary, but typically it takes about less than 2 weeks to complete.
based on 36 interview experiences
Difficulty level
Duration
based on 430 reviews
Rating in categories
Sales Executive
4.4k
salaries
| ₹0.5 L/yr - ₹6.1 L/yr |
Junior Officer
2.6k
salaries
| ₹0.9 L/yr - ₹4.5 L/yr |
Sales Officer
2k
salaries
| ₹0.4 L/yr - ₹5 L/yr |
Senior Sales Officer
1.4k
salaries
| ₹0.9 L/yr - ₹5.5 L/yr |
Senior Telecalling Officer
1.4k
salaries
| ₹0.4 L/yr - ₹3.5 L/yr |
Shriram Finance
Muthoot Fincorp
Bajaj Finance
IIFL Finance