HDFC Bank Risk Analyst Interview Questions, Process, and Tips

Basic SQL queries like Joints, group by function, use of having...

Q1. Run me through your cv
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Q2. Name different types of swap & explain how any one works
Ans. 
Different types of swaps include interest rate swaps, currency swaps, and commodity swaps.
• Interest rate swaps involve exchanging fixed and floating interest rate payments based on a notional amount.

• Currency swaps involve exchanging principal and interest payments in different currencies.

• Commodity swaps involve exchanging cash flows based on the price of a commodity.

• Example: A company with a variable rate loan can enter...read more
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Q3. Whats an option. Who is the buyer who is the seller
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An option is a contract that gives the buyer the right, but not the obligation, to buy or sell an underlying asset at a specific price.
• The buyer of an option pays a premium to the seller for the right to buy or sell the underlying asset at a specific price.

• The seller of an option is obligated to sell or buy the underlying asset at the specified price if the buyer chooses to exercise their option.

• Options can be used for...read more
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Q4. What is var and how would you apply it
Ans. 
VAR stands for Value at Risk. It is a statistical measure used to estimate the potential loss in an investment portfolio.
• VAR is used to determine the maximum potential loss that an investment portfolio may incur over a given time period.

• It is calculated by analyzing the historical data of the portfolio and estimating the worst-case scenario loss.

• VAR is often used by risk analysts to set risk limits and determine the am...read more
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Q5. Explain any one type of fixed income
Ans. 
One type of fixed income is bonds
• Bonds are debt securities issued by companies or governments to raise capital

• They pay a fixed interest rate to the bondholder

• Bonds have a maturity date when the principal is repaid to the bondholder

• Examples include Treasury bonds, corporate bonds, municipal bonds
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Q6. Have you worked on platform such as murex or bloomberg. Whats your experience with it.
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Q7. Where do you live and when can you start from
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Q8. Any questions for me
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Q1. Run me through your cv
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Q2. Explain this job profile to me
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Q3. Why did you not pursue anything other than bcom
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Q4. Whats your reason for joining this profile
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Q5. Any questions for me
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Q1. Tell me about your self
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Q1. Briefing Of Account Take Over Case
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Q2. What Is Account Take Over.??
Ans. 
Account Takeover is a type of fraud where a hacker gains access to a user's account and takes control of it.
• Hackers use various methods like phishing, social engineering, or malware to steal login credentials.

• Once they have access, they can change passwords, make unauthorized transactions, or steal personal information.

• Account Takeover can have serious consequences for both individuals and businesses, leading to financ...read more
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Q3. If We Found Two Application Of Same Person But One Is Real Application And One Is Fraud Application We Have Actual Cibil Report Of A Customer Then How Can We Find The Fake Or Original Application.??
Ans. 
To identify the fake or original application, we can compare the details provided in both applications and verify them with the actual Cibil report.
• Compare personal details like name, address, phone number, email address, etc.

• Check if the income and employment details match in both applications.

• Verify the credit history and credit score mentioned in both applications.

• Look for any discrepancies or inconsistencies in the...read more
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