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HDB Financial Services Credit Relationship Manager Interview Questions and Answers

Updated 11 May 2025

8 Interview questions

A Credit Relationship Manager was asked 1mo ago
Q. Do you have knowledge about MIS reports, Excel, and computers?
Ans. 

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...

A Credit Relationship Manager was asked 12mo ago
Q. Can you provide an example of a journal entry?
Ans. 

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

Credit Relationship Manager Interview Questions Asked at Other Companies

Q1. What is pl and mortgage
Q2. Do you have knowledge about MIS reports, Excel, and computers?
Q3. How do fluctuations in a company's financial ratios affect credit ... read more
Q4. How do you handle a client who is at risk of defaulting?
Q5. Where is a particular item found on the balance sheet?
A Credit Relationship Manager was asked 12mo ago
Q. Where is a particular item found on the balance sheet?
Ans. 

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

A Credit Relationship Manager was asked
Q. Sub mean in cibil
Ans. 

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...

A Credit Relationship Manager was asked
Q. What are DTI and FOIR?
Ans. 

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...

A Credit Relationship Manager was asked
Q. What is CBIL?
Ans. 

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...

A Credit Relationship Manager was asked 1mo ago
Q. How to read cibil report,crif report?
Ans. 

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: ...

Are these interview questions helpful?
A Credit Relationship Manager was asked
Q. What is pl and mortgage
Ans. 

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...

HDB Financial Services Credit Relationship Manager Interview Experiences

33 interviews found

Interview experience
3
Average
Difficulty level
Moderate
Process Duration
Less than 2 weeks
Result
Selected Selected

I appeared for an interview in Apr 2025, where I was asked the following questions.

  • Q1. How to do pd how much experience do you have business loan and personal loan ?
  • Ans. 

    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...

  • Answered by AI
  • Q2. Expected salary?
  • Ans. 

    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...

  • Answered by AI
  • Q3. Have you knowledge about mis report,excel and computer?
  • Ans. 

    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...

  • Answered by AI
  • Q4. How to read cibil report,crif report?
  • Ans. 

    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 ...

  • Answered by AI
  • Q5. If you have to go for a collection visit, will you go or not?
  • Ans. 

    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-...

  • Answered by AI
Interview experience
4
Good
Difficulty level
-
Process Duration
-
Result
-
Round 1 - Panel interview 

(4 Questions)

  • Q1. Tell me about yourself
  • Ans. 

    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...

  • Answered by AI
  • Q2. Pass a journal entry
  • Ans. 

    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

  • Answered by AI
  • Q3. Where is a particular item found in balance sheet
  • Ans. 

    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

  • Answered by AI
  • Q4. Elaborate your internship/ training experiences

Interview Preparation Tips

Interview preparation tips for other job seekers - Review your resume thoroughly.
Interview experience
5
Excellent
Difficulty level
Easy
Process Duration
Less than 2 weeks
Result
Selected Selected

I appeared for an interview in Feb 2025, where I was asked the following questions.

  • Q1. Vehicle finance knowledge
  • Q2. Customer profiles and vehicle viability

Interview Preparation Tips

Interview preparation tips for other job seekers - Overall Good experience
Interview experience
5
Excellent
Difficulty level
Moderate
Process Duration
Less than 2 weeks
Result
Selected Selected

I appeared for an interview in Dec 2024.

Round 1 - HR 

(2 Questions)

  • Q1. About work profile
  • Q2. Current CTC
  • Ans. 

    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

  • Answered by AI

Interview Preparation Tips

Interview preparation tips for other job seekers - No, I do not wish to provide any.
Interview experience
5
Excellent
Difficulty level
-
Process Duration
-
Result
-
Round 1 - One-on-one 

(2 Questions)

  • Q1. Tell me about your self
  • Ans. 

    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

  • Answered by AI
  • Q2. What you know loan process?
  • Ans. 

    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.

  • Answered by AI

Interview Preparation Tips

Interview preparation tips for other job seekers - Tell me about your self that's it ,most reference person only given important
Interview experience
5
Excellent
Difficulty level
Easy
Process Duration
Less than 2 weeks
Result
Selected Selected

I applied via Walk-in and was interviewed in Mar 2024. There were 2 interview rounds.

Round 1 - HR 

(2 Questions)

  • Q1. Tell me about your self ?
  • Ans. 

    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...

  • Answered by AI
  • Q2. What is your job rolls and responsibility ?
  • Ans. 

    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 ...

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

(2 Questions)

  • Q1. Tell me about your self ?
  • Ans. 

    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...

  • Answered by AI
  • Q2. What is your job rolls and responsibilities?
  • Ans. 

    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...

  • Answered by AI

Interview Preparation Tips

Topics to prepare for HDB Financial Services Credit Relationship Manager interview:
  • Credit
Interview experience
4
Good
Difficulty level
Moderate
Process Duration
Less than 2 weeks
Result
Selected Selected

I appeared for an interview in Jul 2024.

Round 1 - HR 

(2 Questions)

  • Q1. Tell you about yourself.
  • Q2. What is the experience and salary and salary expectation?
  • Ans. 

    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

  • Answered by AI
Interview experience
4
Good
Difficulty level
Moderate
Process Duration
Less than 2 weeks
Result
Selected Selected

I applied via Naukri.com and was interviewed in Mar 2024. There were 2 interview rounds.

Round 1 - HR 

(1 Question)

  • Q1. Ques1-about youe self and your working experience Ques2-your work profile
Round 2 - One-on-one 

(1 Question)

  • Q1. Question asked as per department and experience based
Interview experience
3
Average
Difficulty level
Easy
Process Duration
Less than 2 weeks
Result
Selected Selected

I applied via Walk-in and was interviewed in Mar 2024. There was 1 interview round.

Round 1 - HR 

(5 Questions)

  • Q1. Tell me about yourself??
  • Q2. Tell me about yourself
  • Q3. What you prefer
  • Q4. Tell me new about your beginning
  • Q5. Salary expectations

Interview Preparation Tips

Interview preparation tips for other job seekers - Knowledge
Interview experience
4
Good
Difficulty level
-
Process Duration
-
Result
-
Round 1 - One-on-one 

(1 Question)

  • Q1. Work done in previous organisation
  • Ans. 

    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...

  • Answered by AI

Top trending discussions

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Interview Tips & Stories
2w
toobluntforu
·
works at
Cvent
Can speak English, can’t deliver in interviews
I feel like I can't speak fluently during interviews. I do know english well and use it daily to communicate, but the moment I'm in an interview, I just get stuck. since it's not my first language, I struggle to express what I actually feel. I know the answer in my head, but I just can’t deliver it properly at that moment. Please guide me
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HDB Financial Services Interview FAQs

How many rounds are there in HDB Financial Services Credit Relationship Manager interview?
HDB Financial Services interview process usually has 1-2 rounds. The most common rounds in the HDB Financial Services interview process are HR, Resume Shortlist and One-on-one Round.
How to prepare for HDB Financial Services Credit Relationship 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 HDB Financial Services. The most common topics and skills that interviewers at HDB Financial Services expect are Credit Underwriting, Credit, Credit Appraisal, Credit Processing and Credit Analysis.
What are the top questions asked in HDB Financial Services Credit Relationship Manager interview?

Some of the top questions asked at the HDB Financial Services Credit Relationship Manager interview -

  1. What is pl and mortg...read more
  2. Have you knowledge about mis report,excel and comput...read more
  3. Where is a particular item found in balance sh...read more
What are the most common questions asked in HDB Financial Services Credit Relationship Manager HR round?

The most common HR questions asked in HDB Financial Services Credit Relationship Manager interview are -

  1. Where do you see yourself in 5 yea...read more
  2. What is your family backgrou...read more
  3. Tell me about yourse...read more
How long is the HDB Financial Services Credit Relationship Manager interview process?

The duration of HDB Financial Services Credit Relationship Manager interview process can vary, but typically it takes about less than 2 weeks to complete.

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Overall Interview Experience Rating

4.2/5

based on 36 interview experiences

Difficulty level

Easy 27%
Moderate 73%

Duration

Less than 2 weeks 80%
2-4 weeks 7%
4-6 weeks 13%
View more

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HDB Financial Services Credit Relationship Manager Salary
based on 1.3k salaries
₹1.8 L/yr - ₹5.2 L/yr
13% less than the average Credit Relationship Manager Salary in India
View more details

HDB Financial Services Credit Relationship Manager Reviews and Ratings

based on 430 reviews

3.7/5

Rating in categories

3.6

Skill development

3.2

Work-life balance

3.3

Salary

3.6

Job security

3.3

Company culture

3.2

Promotions

3.3

Work satisfaction

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