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based on 38k Reviews

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HDFC Bank Credit Analyst Interview Questions and Answers

Updated 5 May 2024

HDFC Bank Credit Analyst Interview Experiences

2 interviews found

Interview experience
4
Good
Difficulty level
-
Process Duration
-
Result
-
Round 1 - Telephonic Call 

(1 Question)

  • Q1. Tell me about your school and college exposure
  • Ans. This is to check our communication skill
  • Answered by Jana Anand
Round 2 - Technical 

(1 Question)

  • Q1. How does a bank analyse the creditworthiness of a company
  • Ans. 

    Banks analyze the creditworthiness of a company by assessing its financial statements, credit history, industry trends, and management team.

    • Evaluate financial statements to assess profitability, liquidity, and leverage ratios

    • Review credit history and payment patterns to determine past credit behavior

    • Analyze industry trends and economic conditions to assess the company's competitive position

    • Assess the management team's ...

  • Answered by AI

Interview Preparation Tips

Interview preparation tips for other job seekers - Communication confidence is important... never give false information... just talk what you know with confidence... have a knowledge on the role a little bit

I applied via Campus Placement and was interviewed in Oct 2022. There were 2 interview rounds.

Round 1 - HR 

(2 Questions)

  • Q1. Why u want to get this job opportunity
  • Q2. What ur elibijible criteria of qualifications
Round 2 - HR 

(6 Questions)

  • Q1. You'll likely be asked more job-specific questions about how you might approach common challenges you'd face on the job. You might also be asked about your employment preferences such as salary, management...
  • Q2. In your second interview, you’ll likely be asked more job-specific questions about how you might approach common challenges you’d face on the job.
  • Q3. Likely asked more job-specific questions?
  • Q4. How did you know about this job
  • Q5. How u might approach common challenges if you in the job?
  • Q6. Are able for this job or not?

Interview Preparation Tips

Topics to prepare for HDFC Bank Credit Analyst interview:
  • Reasoning appritude test, generaawarness
Interview preparation tips for other job seekers - Be authentic, know yourself—strengths and weaknesses. Be aware of the kinds of job responsibilities and tasks you enjoy and those that you don’t enjoy so much. Know what you are looking for in an employer and position. Focus on opportunities that are a good fit. Be congruent in expressing who you are and your accomplishments on your cover letter, resume, and during the interview. The whole while, be yourself!”

Credit Analyst Interview Questions Asked at Other Companies

asked in Axis Bank
Q1. 1. what is minimum permissible banking finance 2. what do you kno ... read more
Q2. Importance of EBITDA and FCF. How to derive FCF from EBITDA?
Q3. How you check the repayment capacity of applicant?
Q4. What is the difference between Hypothecation and pledge?
Q5. What is correlation between balance sheet and profit and loss acc ... read more

Interview questions from similar companies

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

I applied via Approached by Company and was interviewed in Jul 2024. There was 1 interview round.

Round 1 - One-on-one 

(5 Questions)

  • Q1. What is the difference between OD and VC?
  • Q2. How you determine drawing power?
  • Q3. What is DLOD?
  • Q4. What is Leverage ratio?
  • Q5. Why do you what to switch job?
Interview experience
3
Average
Difficulty level
-
Process Duration
-
Result
-
Round 1 - HR 

(2 Questions)

  • Q1. Basics of lending
  • Q2. Financial Ratios
Interview experience
5
Excellent
Difficulty level
-
Process Duration
-
Result
-
Round 1 - One-on-one 

(2 Questions)

  • Q1. Tell me about your self
  • Q2. About ratio analysis
Interview experience
3
Average
Difficulty level
-
Process Duration
-
Result
-
Round 1 - HR 

(1 Question)

  • Q1. Tell me about yourself
  • Ans. 

    I am a detail-oriented Credit Analyst with a strong background in financial analysis and risk assessment.

    • I have a Bachelor's degree in Finance and 3 years of experience in credit analysis.

    • I am proficient in financial modeling and have a strong understanding of credit risk management.

    • I have a track record of making sound credit decisions and improving credit processes.

    • I am skilled in analyzing financial statements, asse...

  • Answered by AI
Interview experience
5
Excellent
Difficulty level
Moderate
Process Duration
2-4 weeks
Result
Selected Selected

I applied via Career portal and was interviewed in Aug 2023. There was 1 interview round.

Round 1 - HR 

(1 Question)

  • Q1. Introduction and qualifications

Interview Preparation Tips

Interview preparation tips for other job seekers - Be positive and have a sound knowledge of related job
Interview experience
5
Excellent
Difficulty level
Easy
Process Duration
4-6 weeks
Result
Selected Selected

I applied via Recruitment Consulltant and was interviewed in Apr 2023. 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 - Aptitude Test 

Very basic aptitude test post selection.

Round 3 - Round 1 and 2 

(1 Question)

  • Q1. Previous working experiences

Interview Preparation Tips

Interview preparation tips for other job seekers - Very basic interview was done.
I interviewed for the role of Credit Analyst.
First round was with my immediate manager - the interview was all bout my previous work profile and I was asked about my understanding of the role and responsibilities
Second round was with the RH, it was a very simple and basic round. No technical questions asked.
Interview experience
4
Good
Difficulty level
Moderate
Process Duration
4-6 weeks
Result
Selected Selected

I applied via Company Website and was interviewed in Apr 2022. There were 3 interview rounds.

Round 1 - Resume Shortlist 
Pro Tip by AmbitionBox:
Don’t add your photo or details such as gender, age, and address in your resume. These details do not add any value.
View all tips
Round 2 - Aptitude Test 

Written Entrance Exam for officer with subjects English, Logical Reasoning, Mathematics, General knowledge and Banking Awareness with Current Affairs and Computer Science. I was Selected in Merit. Got 54th Rank in Gen Category

Round 3 - One-on-one 

(2 Questions)

  • Q1. Interview was all about my Past experience and my previous job profile as I was already working in Banking Sector prior to joining in SBI. Based on my experience and satisfactory answers to the questions a...
  • Q2. What is Turnover Method? What is Second Method of Lending? How to process a Working Capital Loan? How did you canvassed Current account in your previous organisation? Why you want to Join SBI?
  • Ans. 

    Turnover Method is a method used by lenders to evaluate a borrower's creditworthiness based on their annual sales turnover.

    • Turnover Method involves calculating a borrower's credit limit based on a percentage of their annual sales turnover.

    • Second Method of Lending involves assessing a borrower's creditworthiness based on their financial statements, cash flow projections, and collateral.

    • Processing a Working Capital Loan ...

  • Answered by AI

I applied via Referral and was interviewed in Aug 2021. There was 1 interview round.

Interview Questionnaire 

1 Question

  • Q1. Related to my last experience and skills about new things related to the dept

Interview Preparation Tips

Interview preparation tips for other job seekers - Be confident and tell them exactly what you did..

HDFC Bank Interview FAQs

How many rounds are there in HDFC Bank Credit Analyst interview?
HDFC Bank interview process usually has 2-3 rounds. The most common rounds in the HDFC Bank interview process are HR, Resume Shortlist and Telephonic Call.
How to prepare for HDFC Bank Credit Analyst 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 HDFC Bank. The most common topics and skills that interviewers at HDFC Bank expect are Retail Assets, Analytical, Analytics, Banking and Credit Analysis.

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People are getting interviews through

based on 1 HDFC Bank interview
Campus Placement
100%
Low Confidence
?
Low Confidence means the data is based on a small number of responses received from the candidates.
HDFC Bank Credit Analyst Salary
based on 178 salaries
₹4.6 L/yr - ₹18.3 L/yr
28% more than the average Credit Analyst Salary in India
View more details

HDFC Bank Credit Analyst Reviews and Ratings

based on 13 reviews

3.3/5

Rating in categories

3.6

Skill development

2.8

Work-Life balance

2.6

Salary & Benefits

4.3

Job Security

3.3

Company culture

2.5

Promotions/Appraisal

2.9

Work Satisfaction

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