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HDFC Bank Branch Credit Manager Interview Questions and Answers

Updated 21 Jun 2023

HDFC Bank Branch Credit Manager Interview Experiences

1 interview found

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

I applied via Referral 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.
View all tips
Round 2 - Technical 

(1 Question)

  • Q1. Where is the contingent liability appear in FS?
  • Ans. 

    Contingent liabilities appear in the financial statements as a footnote or disclosure.

    • Contingent liabilities are disclosed in the notes to the financial statements.

    • They are potential liabilities that may arise in the future based on certain events.

    • Examples include lawsuits, warranties, and guarantees.

    • They are not recorded on the balance sheet but can have a significant impact on the company's financial health.

  • Answered by AI
Round 3 - HR 

(1 Question)

  • Q1. Why do you want to join hdfc bank?

Interview Preparation Tips

Interview preparation tips for other job seekers - Be thorough with the concepts of Accounting standards

Interview questions from similar companies

I applied via Walk-in and was interviewed before Aug 2020. There was 1 interview round.

Interview Questionnaire 

2 Questions

  • Q1. Tell about case book
  • Ans. 

    A case book is a collection of cases or scenarios used for training or educational purposes.

    • Case books are commonly used in business schools to teach students about real-world business situations.

    • They can also be used in law schools to teach students about legal cases and precedents.

    • Case books may include case studies, simulations, or hypothetical scenarios.

    • They are often used to encourage critical thinking and problem...

  • Answered by AI
  • Q2. Gl size book

Interview Preparation Tips

Interview preparation tips for other job seekers - Good communication skills required

I applied via Campus Placement and was interviewed before May 2021. There was 1 interview round.

Round 1 - Technical 

(1 Question)

  • Q1. 1. tell me about yourself 2. what will your check while giving loans to clients? 3. what is debt service coverage ratios? 4. what is cibil? 5. what is your family background

Interview Preparation Tips

Interview preparation tips for other job seekers - it was easy to average. be prepared with come ratios .

I applied via Campus Placement and was interviewed before May 2021. There were 2 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.
View all tips
Round 2 - Group Discussion 
Pro Tip by AmbitionBox:
Don’t treat group discussions as an argument. Group discussion is about reaching a meaningful conclusion.
View all tips

Interview Preparation Tips

Interview preparation tips for other job seekers - Update your self to the Organisation requirements

I applied via Referral and was interviewed before Oct 2021. There were 2 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.
View all tips
Round 2 - HR 

Interview Preparation Tips

Interview preparation tips for other job seekers - be thorough with ratios and processes. Have knowledge on financial analysis

I applied via Recruitment Consulltant and was interviewed before Aug 2021. There were 2 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.
View all tips
Round 2 - Technical 

(1 Question)

  • Q1. Ratios and financial statement analysis etc

Interview Preparation Tips

Interview preparation tips for other job seekers - Ratios and analyzing of Financial statements are important

Interview Questionnaire 

4 Questions

  • Q1. About myself
  • Q2. Work profile of previous employment
  • Ans. 

    Managed a team of sales representatives, oversaw daily operations, and implemented strategies to increase branch revenue.

    • Managed a team of sales representatives

    • Oversaw daily operations

    • Implemented strategies to increase branch revenue

  • Answered by AI
  • Q3. Strength of yours
  • Ans. 

    One of my strengths is my ability to effectively communicate and collaborate with team members.

    • Strong communication skills help me convey ideas clearly and build strong relationships with colleagues.

    • I actively listen to others' perspectives and provide constructive feedback to ensure everyone is on the same page.

    • I have experience leading team meetings and facilitating productive discussions to achieve common goals.

  • Answered by AI
  • Q4. How will you bring profitability
  • Ans. 

    I will bring profitability by implementing cost-cutting measures, increasing sales, and improving customer satisfaction.

    • Analyze expenses and identify areas where costs can be reduced without affecting quality

    • Develop and implement sales strategies to increase revenue

    • Improve customer service to retain existing customers and attract new ones

    • Monitor financial performance regularly and make adjustments as needed

    • Invest in tr...

  • Answered by AI

I was interviewed before Apr 2016.

Interview Questionnaire 

5 Questions

  • Q1. Which clauses are important in 3CD while sanctioning loan
  • Ans. 

    Important clauses in 3CD for loan sanctioning

    • Clause 4 - Purpose of loan

    • Clause 5 - Amount of loan

    • Clause 6 - Repayment terms

    • Clause 7 - Security for loan

    • Clause 8 - Interest rate

    • Clause 9 - Default and consequences

  • Answered by AI
  • Q2. Tell me profit and loss ratios
  • Ans. 

    Profit and loss ratios are financial metrics used to assess the profitability of a company.

    • Profit ratio measures the percentage of profit earned on sales.

    • Gross profit ratio is calculated by dividing gross profit by net sales.

    • Net profit ratio indicates the percentage of net profit earned on sales.

    • Operating profit ratio measures the profitability of core operations.

    • Return on investment (ROI) is a common profitability rat

  • Answered by AI
  • Q3. Balance sheet ratios
  • Q4. Diffrence between concurrent audit and statutory audit
  • Ans. 

    Concurrent audit is conducted during the course of business operations, while statutory audit is conducted at the end of the financial year.

    • Concurrent audit is performed concurrently with the operations of the organization.

    • Statutory audit is conducted to ensure compliance with legal and regulatory requirements.

    • Concurrent audit helps in detecting and preventing frauds and errors in real-time.

    • Statutory audit provides an ...

  • Answered by AI
  • Q5. If someone is earning less than EMI should he take a loan or not
  • Ans. 

    No, someone earning less than EMI should not take a loan.

    • Taking a loan when earning less than the EMI can lead to financial strain and difficulty in repayment.

    • It is important to have a stable income that can comfortably cover the loan repayment.

    • If someone is already struggling to meet their financial obligations, taking on additional debt can worsen their situation.

    • It is advisable to explore alternative options such as...

  • Answered by AI

Interview Preparation Tips

College Name: ICAI

I applied via Recruitment Consulltant and was interviewed before Jun 2021. There was 1 interview round.

Round 1 - Boss 

(2 Questions)

  • Q1. Sales experience about Clients
  • Q2. Knowledge for the subject

Interview Preparation Tips

Interview preparation tips for other job seekers - Multitasking abilities with Sales and Operations management. Team Player

Interview Questionnaire 

3 Questions

  • Q1. Previous Job experience
  • Ans. 

    I have 5 years of experience as a Credit Manager at XYZ Company.

    • Managed credit risk assessment for new and existing clients

    • Analyzed financial statements and credit reports to determine creditworthiness

    • Negotiated payment terms and conditions with clients

    • Implemented credit policies and procedures to minimize risk

    • Collaborated with sales and finance teams to optimize credit decisions

  • Answered by AI
  • Q2. Work related questions, e.g how to verify debtors from banking
  • Q3. Future goals

HDFC Bank Interview FAQs

How many rounds are there in HDFC Bank Branch Credit Manager interview?
HDFC Bank interview process usually has 3 rounds. The most common rounds in the HDFC Bank interview process are Resume Shortlist, Technical and HR.

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HDFC Bank Branch Credit Manager Interview Process

based on 4 interviews

Interview experience

3.5
  
Good
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HDFC Bank Branch Credit Manager Salary
based on 34 salaries
₹4 L/yr - ₹12 L/yr
37% more than the average Branch Credit Manager Salary in India
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HDFC Bank Branch Credit Manager Reviews and Ratings

based on 3 reviews

4.4/5

Rating in categories

4.4

Skill development

4.4

Work-life balance

2.0

Salary

4.6

Job security

4.4

Company culture

2.4

Promotions

4.4

Work satisfaction

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