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HDFC Bank
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I applied via campus placement at Veermata Jijabai Technological Institute (VJTI), Mumbai and was interviewed before Jul 2023. There was 1 interview round.
I have experience working with cloud services such as AWS, Azure, and Google Cloud.
Managed data storage and processing on AWS S3 and EC2 instances
Utilized Azure Machine Learning for predictive modeling
Implemented Google Cloud Platform for real-time data analytics
PySpark is a Python API for Apache Spark, used for big data processing and analytics.
PySpark is a Python API for Apache Spark, a distributed computing system.
It allows for parallel processing of large datasets using Spark's distributed framework.
PySpark provides high-level APIs in Python for Spark programming, making it easier to work with big data.
Example: PySpark can be used for data preprocessing, machine learning,
I was interviewed before May 2016.
Assess credit worthiness by analyzing credit history, financial statements, and other relevant data.
Review credit reports and scores
Analyze financial statements and income
Consider employment history and stability
Evaluate debt-to-income ratio
Assess collateral and assets
Look for red flags such as bankruptcies or late payments
I applied via Referral and was interviewed before Jan 2020. There was 1 interview round.
Solvency ratio measures a company's ability to meet its debt obligations. Short term ratio focuses on current assets and liabilities, while long term ratio considers long term debt.
Short term solvency ratio is also known as the current ratio
It measures a company's ability to pay off its short term debts with its current assets
Formula: Current assets / Current liabilities
Long term solvency ratio is also known as the deb...
I applied via Referral and was interviewed before May 2020. There were 3 interview rounds.
I applied via Naukri.com and was interviewed before Sep 2019. There was 1 interview round.
Pre and post shipment facilities refer to credit facilities provided to exporters before and after shipment of goods.
Pre-shipment facility is a credit facility provided to exporters to finance the production and processing of goods before shipment.
Post-shipment facility is a credit facility provided to exporters to finance the period between shipment of goods and receipt of payment from the importer.
Pre-shipment facili...
Financial ratios used in credit risk assessment
Debt-to-Equity Ratio: measures the amount of debt used to finance a company's assets
Current Ratio: measures a company's ability to pay its short-term debts
Interest Coverage Ratio: measures a company's ability to pay its interest expenses
Profit Margin Ratio: measures a company's profitability
Asset Turnover Ratio: measures a company's efficiency in using its assets to genera
Financial BG is for payment obligations while Performance BG is for non-payment obligations.
Financial BG is used to guarantee payment obligations such as loans, taxes, and customs duties.
Performance BG is used to guarantee non-payment obligations such as completion of a project or delivery of goods.
Financial BG is typically issued by banks while Performance BG can be issued by insurance companies or other financial ins...
SBLC stands for Standby Letter of Credit, which is a financial instrument used to guarantee payment.
SBLC is a type of letter of credit that serves as a backup payment option for the beneficiary in case the buyer defaults on payment.
It is often used in international trade transactions to reduce the risk of non-payment.
The issuing bank guarantees payment to the beneficiary if the buyer fails to fulfill their payment obli...
Asset liability mismatch is when a company's assets and liabilities have different maturities or interest rates.
Occurs when a company's assets and liabilities have different maturities or interest rates
Can lead to financial instability and liquidity problems
Example: A bank that borrows short-term funds to lend long-term
Can be managed through asset-liability management techniques
Assessing cash credit account statement involves analyzing the inflow and outflow of funds, identifying any discrepancies, and evaluating the borrower's creditworthiness.
Review the account statement for any irregularities or inconsistencies
Check the borrower's payment history and credit score
Assess the borrower's financial stability and ability to repay the loan
Compare the account statement with the borrower's financia...
posted on 25 Mar 2021
I applied via Walk-in and was interviewed before Mar 2020. There was 1 interview round.
IBPS takes test moderate to high
Assessment of working capital involves analyzing a company's current assets and liabilities to determine its ability to meet short-term financial obligations.
Calculate working capital by subtracting current liabilities from current assets.
A positive working capital indicates the company has enough assets to cover its short-term debts.
A negative working capital may signal financial trouble and the need for additional fu...
I applied via Approached by Company and was interviewed in Aug 2022. There was 1 interview round.
I applied via AmbitionBox and was interviewed in Dec 2021. There was 1 interview round.
Identifying property involves verifying ownership and physical characteristics.
Check property records at the county clerk's office
Inspect the property for physical features and condition
Verify ownership through title search or deed
Check for liens or encumbrances on the property
Compare property details with public records and tax assessments
Cash flow can be worked out by analyzing the inflow and outflow of cash in a business.
Determine the starting cash balance
Add up all cash inflows (sales, loans, investments)
Subtract all cash outflows (expenses, loan payments, dividends)
Calculate the ending cash balance
Use cash flow statement to track changes in cash balance over time
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Deputy Manager
15.1k
salaries
| ₹2 L/yr - ₹10 L/yr |
Manager
10.2k
salaries
| ₹5 L/yr - ₹14.6 L/yr |
Assistant Manager
9.5k
salaries
| ₹1.7 L/yr - ₹7.3 L/yr |
Relationship Manager
6.2k
salaries
| ₹2 L/yr - ₹12.5 L/yr |
Senior Manager
6.1k
salaries
| ₹8 L/yr - ₹24 L/yr |
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