HDFC Bank Credit Manager Interview Questions, Process, and Tips

Q1. Itr articleship exp genearal interview
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Q1. Where do you see in 5 years
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Q2. I see myself as core part of a team
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Q1. About experience and banking releated
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Q2. Rations for credit analysis
Ans. 
Ratios used in credit analysis
• Liquidity ratios: current ratio, quick ratio

• Profitability ratios: return on assets, return on equity

• Debt ratios: debt-to-equity ratio, debt service coverage ratio

• Efficiency ratios: inventory turnover, accounts receivable turnover

• Examples of industry-specific ratios: net interest margin for banks, occupancy rate for hotels
Answered by AI
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There was an aptitude test after screening round of resume

Then they were 10 of a group for GD round

Q1. They ask about your self about exp and technical round
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Q1. Previous experinec and work profile
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Financial Management, Crediworhness of the borrower, Financial Analysis,deep understanding of the secured and unsecured loan

Q1. Negotiation of CTC , about the job profile , what is your CTC expectation? Do you have the following list of documents for the further process?
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Q2. Negotiation of CTC , about the job profile , Do you have the following list of documents for the further process?
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Q3. What is your CTC expectation?
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