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HDFC Bank Credit Manager Interview Questions, Process, and Tips
Top HDFC Bank Credit Manager Interview Questions and Answers
- Q1. If a client comes to take a loan & he haven't got any type of documents with him (primary or secondary), how will you deal with him? & Tell me first 5 things come ...read more
- Q2. A client comes & he wants a big loan to fund his long-term project, what kind of documents/information you will check & how will you deal with him?
- Q3. What kind of information/documents you will check before senction of loan?
HDFC Bank Credit Manager Interview Experiences
52 interviews found
Neha Gupta
Selected
I applied via Approached by Company and was interviewed before Mar 2023. There were 3 interview rounds.
(1 Question)
- Q1. Tell me about yourself
(1 Question)
- Q1. Financial statement and ratios related question
(1 Question)
- Q1. Previous experience
Rudrani Datta
(1 Question)
- Q1. Introduction, job skilss, previous work experience, education background, skillset, salary discussion,
Interview Preparation Tips
Support from seniors
Amazing software to work on
Only issue is holiday workings and work life balance issue. But it is relative how you strike the balance. Overall good experience.
Anonymous
I applied via Company Website and was interviewed in Apr 2022. There were 3 interview rounds.
Related to finance, general English and passage reading and related to your behaviour
(1 Question)
- Q1. 5cs, about merger of bank, ratios, basic financials
Interview Preparation Tips
- Finance
What people are saying about HDFC Bank
(2 Questions)
- Q1. Basic questions about yourself
- Q2. Give a proper interview about qualification and skills.
Interview Preparation Tips
Dscr ratio, int coverage , debt equity an bank statement analysis
HDFC Bank interview questions for designations
Selected
I applied via campus placement at CMS College of Science and Commerce, Coimbatore and was interviewed before Apr 2022. There were 2 interview rounds.
(2 Questions)
- Q1. Introduction about you
- Q2. What is risk how do you define it
- Ans.
Risk is the potential for loss or harm resulting from an action or decision.
Risk is the likelihood of an event occurring and the impact it will have.
It involves identifying potential hazards and assessing their likelihood and impact.
Examples of risks include financial risks, operational risks, and reputational risks.
Risk management involves taking steps to mitigate or avoid risks.
Effective risk management can help orga...
Interview Preparation Tips
Get interview-ready with Top HDFC Bank Interview Questions
Balasubramanian Karthick
I applied via Referral and was interviewed in Apr 2022. There were 3 interview rounds.
(1 Question)
- Q1. Technical round relates to proposal assessment.
(1 Question)
- Q1. Document verification and salary negotiations
Interview Preparation Tips
Credit Manager Jobs at HDFC Bank
Selected
I applied via Recruitment Consulltant and was interviewed before Aug 2022. There were 2 interview rounds.
(3 Questions)
- Q1. What will be check points for assessing the loan proposal?
- Ans.
Check points for assessing loan proposals include financial stability, credit history, repayment capacity, collateral, and purpose of the loan.
Financial stability of the borrower
Credit history of the borrower
Repayment capacity of the borrower
Collateral provided by the borrower
Purpose of the loan
- Q2. What are points to be checked in CIBIL report?
- Ans.
Points to check in CIBIL report include credit score, payment history, credit utilization, and credit inquiries.
Credit score: Check if the score is within the acceptable range.
Payment history: Ensure all payments are made on time and there are no defaults.
Credit utilization: Verify the percentage of credit limit being used.
Credit inquiries: Check for any recent inquiries which may impact the credit score.
- Q3. What are the Job responsibilities you handled in your job role which suits the job you applied?
I applied via Referral and was interviewed in Oct 2021. There were 3 interview rounds.
Interview Questionnaire
6 Questions
- Q1. Previous company job role
- Q2. Product I handle
- Ans.
I handle credit products for various industries.
I manage credit lines and evaluate creditworthiness for clients in different sectors.
I analyze financial statements, credit reports, and other relevant data to assess risk.
I collaborate with sales teams to establish credit terms and conditions for customers.
I monitor credit limits, payment terms, and collections to ensure timely payments.
I provide recommendations for cred...
- Q3. Count of files per day I do
- Ans.
I process an average of 50 files per day.
On average, I handle 50 files daily.
The number of files I process per day is around 50.
I typically deal with approximately 50 files each day.
- Q4. About Visit to client
- Q5. Check points while underwriting
- Ans.
Check points while underwriting
Evaluate the borrower's credit history and credit score
Assess the borrower's income and employment stability
Review the borrower's debt-to-income ratio
Analyze the borrower's collateral or assets
Consider the borrower's repayment capacity
Verify the borrower's financial documents
Assess the borrower's payment history and credit utilization
Evaluate the borrower's industry and market conditions
- Q6. Any questions to ask
Interview Preparation Tips
Selected
I applied via Referral and was interviewed before Nov 2022. There was 1 interview round.
(2 Questions)
- Q1. ABOUT AGRI LAND DOCS
- Ans. WHAT IS COST OF CULTIVATION AND SOF
- Q2. ASKED ABOUT MY PREVIOUS JOB
Interview Preparation Tips
(1 Question)
- Q1. Questions related to ratios, Cibil
Interview Preparation Tips
HDFC Bank Interview FAQs
Some of the top questions asked at the HDFC Bank Credit Manager interview -
The duration of HDFC Bank Credit Manager interview process can vary, but typically it takes about less than 2 weeks to complete.
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HDFC Bank Credit Manager Interview Process
based on 12 interviews in last 1 year
2 Interview rounds
- One-on-one Round
- Technical Round
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HDFC Bank Credit Manager Reviews and Ratings
based on 538 reviews
Rating in categories
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