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Home Credit Finance Underwriter Interview Questions and Answers

Updated 14 May 2022

Home Credit Finance Underwriter Interview Experiences

1 interview found

Underwriter Interview Questions & Answers

user image Anonymous

posted on 22 Apr 2022

I applied via Walk-in and was interviewed before Apr 2021. There were 2 interview rounds.

Round 1 - One-on-one 

(2 Questions)

  • Q1. What is Cibil? why we check cibil?
  • Ans. 

    Cibil is a credit information company that maintains credit records of individuals and companies.

    • Cibil stands for Credit Information Bureau (India) Limited.

    • It is a credit information company that collects and maintains credit records of individuals and companies.

    • Cibil provides credit reports to banks and other financial institutions to help them assess the creditworthiness of borrowers.

    • Checking Cibil score is important...

  • Answered by AI
  • Q2. What is the maximum limit of cibil high score?
  • Ans. 

    There is no maximum limit for CIBIL high score.

    • CIBIL high score ranges from 300 to 900.

    • There is no upper limit for CIBIL high score.

    • A higher CIBIL score indicates better creditworthiness.

    • Lenders prefer borrowers with a high CIBIL score.

    • CIBIL score is calculated based on credit history and repayment behavior.

  • Answered by AI
Round 2 - HR 

(2 Questions)

  • Q1. What is your Salary expectations
  • Q2. Any shift are u confertable?
  • Ans. 

    Yes, I am comfortable with working different shifts.

    • I have experience working both day and night shifts.

    • I am willing to adjust my schedule to meet the needs of the company.

    • I understand that working different shifts may be necessary in this role.

  • Answered by AI

Interview Preparation Tips

Interview preparation tips for other job seekers - Nothing to say its good. Its for startup

Interview questions from similar companies

Interview experience
5
Excellent
Difficulty level
Moderate
Process Duration
Less than 2 weeks
Result
Selected Selected

I applied via Recruitment Consulltant and was interviewed before Nov 2023. There were 2 interview rounds.

Round 1 - Aptitude Test 

Multiple Choice Questions

Round 2 - HR 

(1 Question)

  • Q1. Why do you want to join us

Interview Preparation Tips

Interview preparation tips for other job seekers - Very good company
Interview experience
4
Good
Difficulty level
-
Process Duration
-
Result
-
Round 1 - Technical 

(2 Questions)

  • Q1. Naaaghuuiii hgdtyhb uii7yfghh uyddbkiydd
  • Q2. NAahjuutyijhg guihhftu dfyikhh fujgx
Interview experience
4
Good
Difficulty level
-
Process Duration
-
Result
-
Round 1 - Technical 

(2 Questions)

  • Q1. Data frame making in python
  • Ans. 

    Data frame making in Python involves creating a structured table-like data structure using the pandas library.

    • Use the pandas library to create a data frame

    • Data frames are 2-dimensional labeled data structures with columns of potentially different types

    • Data frames can be created from dictionaries, lists, numpy arrays, or other data frames

    • Example: df = pd.DataFrame({'A': [1, 2, 3], 'B': ['a', 'b', 'c']})

  • Answered by AI
  • Q2. Random forest basic questions

Skills evaluated in this interview

Interview experience
5
Excellent
Difficulty level
Moderate
Process Duration
Less than 2 weeks
Result
No response

I applied via Referral and was interviewed in Feb 2024. There were 3 interview rounds.

Round 1 - Aptitude Test 

Apptitude test conducted where there are 60 question in 60 min

Round 2 - Aptitude Test 

Python, Verbal , Apptitude

Round 3 - Group Discussion 

Last one is interview round

Interview Preparation Tips

Interview preparation tips for other job seekers - Just clear your basics
Interview experience
4
Good
Difficulty level
Moderate
Process Duration
Less than 2 weeks
Result
Not Selected

I applied via Walk-in and was interviewed before Feb 2023. There were 2 interview rounds.

Round 1 - Technical 

(4 Questions)

  • Q1. What is insurance
  • Ans. 

    Insurance is a contract between an individual or organization and an insurance company, where the insurer provides financial protection against potential losses.

    • Insurance is a risk management tool that helps individuals and organizations protect themselves against financial losses.

    • It involves the transfer of risk from the insured to the insurer in exchange for payment of a premium.

    • Insurance policies can cover various a...

  • Answered by AI
  • Q2. Insurance is an agreement between client and company to pay for any losses which is claimed
  • Q3. What is underwriting
  • Ans. 

    Underwriting is the process of evaluating and assessing the risk associated with insuring a person or entity.

    • Underwriting involves analyzing various factors such as financial stability, health status, and past claims history.

    • It helps determine the premium amount and coverage limits for insurance policies.

    • Underwriters use statistical models, actuarial tables, and other tools to assess risk.

    • Examples include underwriting ...

  • Answered by AI
  • Q4. Can find the answers on google
Round 2 - Technical 

(1 Question)

  • Q1. What is underwriting
  • Ans. 

    Underwriting is the process of evaluating and assessing risks associated with insuring individuals or entities.

    • Underwriting involves analyzing various factors such as financial stability, creditworthiness, and potential risks.

    • It helps insurance companies determine the appropriate premium rates and coverage for policyholders.

    • Underwriters use statistical models, historical data, and industry knowledge to make informed de...

  • Answered by AI

Interview Preparation Tips

Interview preparation tips for other job seekers - Be confident
Interview experience
5
Excellent
Difficulty level
Moderate
Process Duration
Less than 2 weeks
Result
Selected Selected

I applied via Referal and was interviewed before Dec 2021. There were 2 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 - One-on-one 

(5 Questions)

  • Q1. It was about customer service and need to know multilingual languages was asked about to speak about my family in Hindi and talk on the recent movie I watched .. it was cool and easy
  • Q2. Why would you like to join the company
  • Ans. 

    I would like to join the company because of its strong reputation, opportunities for growth, and alignment with my career goals.

    • The company has a strong reputation in the industry, which is appealing to me as it indicates stability and success.

    • I believe that the company offers great opportunities for growth and development, which is important to me as I am looking to advance my career.

    • The company's values and mission a...

  • Answered by AI
  • Q3. How come you knew abt the openings
  • Ans. 

    I regularly keep myself updated about job openings through various sources.

    • I actively search for job openings on job portals and company websites.

    • I network with professionals in my field who may inform me about job opportunities.

    • I subscribe to email alerts and newsletters from job search platforms.

    • I follow social media pages and groups related to job postings.

    • I attend career fairs and industry events where companies of

  • Answered by AI
  • Q4. How can you deal with a frustrated client
  • Ans. 

    To deal with a frustrated client, it is important to remain calm, empathize with their concerns, actively listen, offer solutions, and follow up to ensure satisfaction.

    • Stay calm and composed

    • Empathize with the client's frustrations

    • Listen actively and attentively to their concerns

    • Offer solutions or alternatives to address their issues

    • Follow up to ensure their satisfaction

    • Maintain a professional and positive attitude thro

  • Answered by AI
  • Q5. No questions asked further winded

Interview Preparation Tips

Interview preparation tips for other job seekers - It’s a good company if you want to make money and keep personal life aside coz this company produces money making machines
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 - Technical 

(2 Questions)

  • Q1. Reportings applicable to function
  • Ans. 

    Reportings are essential for any function to track progress and identify areas of improvement.

    • Regular reports should be generated to track progress and identify areas of improvement.

    • Reports should be customized to the specific function and its goals.

    • Reports should be easily understandable and actionable.

    • Examples of reportings applicable to functions include sales reports, performance reports, and budget reports.

  • Answered by AI
  • Q2. Regulatory updates going on business environment
  • Ans. 

    Regulatory updates are constantly shaping the business environment, impacting industries and companies in various ways.

    • Regulations can affect everything from product development to marketing and sales strategies

    • Changes in regulations can create new opportunities or pose challenges for businesses

    • Industries such as healthcare, finance, and technology are particularly affected by regulatory updates

    • Examples of recent regul...

  • Answered by AI

Interview Preparation Tips

Interview preparation tips for other job seekers - be calm and confident and answer to the point.
Interview experience
4
Good
Difficulty level
Moderate
Process Duration
2-4 weeks
Result
No response

I applied via Company Website and was interviewed in Feb 2024. There were 2 interview rounds.

Round 1 - Aptitude Test 

Reasoning , SQL and probability

Round 2 - Technical 

(2 Questions)

  • Q1. SQL queries and python
  • Q2. Reasoning and guesstimate

Interview Questionnaire 

4 Questions

  • Q1. Why you are interested in this job
  • Ans. 

    I am passionate about helping others and believe my skills align well with the job requirements.

    • Passionate about helping others

    • Skills align well with job requirements

  • Answered by AI
  • Q2. Why we recruit you
  • Ans. 

    I possess the necessary skills, experience, and passion to excel in this role.

    • I have a strong background in [relevant field]

    • I have successfully completed [relevant projects or tasks]

    • I am highly motivated and eager to contribute to the team

  • Answered by AI
  • Q3. Why you quite your previous job
  • Ans. 

    Seeking new challenges and growth opportunities

    • Desire for career advancement

    • Lack of growth opportunities in previous role

    • Seeking new challenges and learning experiences

  • Answered by AI
  • Q4. What is your expected ctc
  • Ans. 

    I expect a competitive salary based on my qualifications and experience.

    • I am looking for a salary that reflects my skills and expertise.

    • I have researched the market rates for similar positions and expect a salary within that range.

    • I am open to negotiation based on the overall compensation package offered.

    • I value opportunities for growth and development, and a fair salary is an important factor in my decision-making pro

  • Answered by AI

Interview Preparation Tips

Round: HR Interview
Experience: These things are already asked by me in recruitment panel when I am recruiting sales players.
Tips: Nothing to worry.job&train ek jata hey to dusra atta hey. Never compromise in packages. Just demand it. Before going to interview manage a reference it must be easy. Look the company website.

Home Credit Finance Interview FAQs

How many rounds are there in Home Credit Finance Underwriter interview?
Home Credit Finance interview process usually has 2 rounds. The most common rounds in the Home Credit Finance interview process are One-on-one Round and HR.
How to prepare for Home Credit Finance Underwriter 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 Home Credit Finance. The most common topics and skills that interviewers at Home Credit Finance expect are Excel, SQL, Underwriting, Analytical and Capacity Planning.
What are the top questions asked in Home Credit Finance Underwriter interview?

Some of the top questions asked at the Home Credit Finance Underwriter interview -

  1. What is the maximum limit of cibil high sco...read more
  2. What is Cibil? why we check cib...read more
  3. Any shift are u confertab...read more

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Home Credit Finance Underwriter Salary
based on 10 salaries
₹1.1 L/yr - ₹3.4 L/yr
60% less than the average Underwriter Salary in India
View more details

Home Credit Finance Underwriter Reviews and Ratings

based on 3 reviews

4.0/5

Rating in categories

3.9

Skill development

4.9

Work-life balance

3.4

Salary

2.1

Job security

4.1

Company culture

2.0

Promotions

2.6

Work satisfaction

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