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ICICI Bank Credit Appraisal Interview Questions and Answers

Updated 16 Apr 2024

ICICI Bank Credit Appraisal Interview Experiences

1 interview found

Interview experience
5
Excellent
Difficulty level
Moderate
Process Duration
More than 8 weeks
Result
Selected Selected

I applied via Walk-in and was interviewed before Apr 2023. There was 1 interview round.

Round 1 - One-on-one 

(2 Questions)

  • Q1. What is Kyc and what is cibil
  • Ans. 

    KYC stands for Know Your Customer and is the process of verifying the identity of customers. CIBIL is a credit information company that maintains credit records of individuals and businesses.

    • KYC is a regulatory requirement to prevent identity theft, money laundering, and terrorist financing.

    • CIBIL is one of the credit bureaus in India that collects and maintains credit information of individuals and businesses.

    • KYC invol...

  • Answered by AI
  • Q2. What is Cibil of type
  • Ans. 

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

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

    • It collects and maintains credit information of individuals and businesses.

    • Cibil provides credit scores based on credit history and repayment behavior.

    • Lenders use Cibil reports to assess creditworthiness of borrowers.

    • A good Cibil score increases chances of loan app

  • Answered by AI

Interview questions from similar companies

I applied via Naukri.com and was interviewed in Dec 2020. There were 6 interview rounds.

Interview Questionnaire 

6 Questions

  • Q1. 1. Latest RERA amendments/news
  • Ans. 

    The latest RERA amendments/news are related to the real estate sector regulations.

    • RERA stands for Real Estate (Regulation and Development) Act.

    • The amendments aim to protect the interests of homebuyers and promote transparency in the real estate sector.

    • One of the key amendments is the extension of the registration period for real estate projects.

    • Another amendment focuses on the establishment of Real Estate Appellate Tri...

  • Answered by AI
  • Q2. 2. Listing the names of Founder/CEO/MD
  • Q3. Why do you think you are best suited for this role
  • Q4. Articleship experience
  • Q5. Case solving- Process from pre sanctioning to post sanctioning of retail loan
  • Ans. 

    The process of retail loan from pre-sanctioning to post-sanctioning involves several steps.

    • Pre-sanctioning involves collecting necessary documents and verifying the eligibility of the borrower.

    • The loan application is then processed and the creditworthiness of the borrower is assessed.

    • Post-sanctioning involves disbursing the loan amount and ensuring timely repayment.

    • Regular follow-ups are done to ensure timely repayment...

  • Answered by AI
  • Q6. Tell me about yourself

Interview Preparation Tips

Interview preparation tips for other job seekers - For questions like 'Why you are best suited for this role, will you able to manage stress, reason for choosing this organisation, strength and weaknesses', please remain consistent with the answers throughout the interview. The interviewer will keep asking these questions in all indirect ways possible but ensure your answers remain the same. Even slight variation in your answers for the same questions asked in indirect ways will let the interviewer think twice before shortlisting you.
Consistency of answers and body language are the most important criteria's to get through the interview successfully.
Also, its completely okay if you do not have answers to some questions. One can reply by saying ' I do not have much knowledge about this topic but I will definitely read it up soon'.

I applied via Campus Placement and was interviewed before Sep 2020. There was 1 interview round.

Interview Questionnaire 

3 Questions

  • Q1. What is sales?
  • Ans. 

    Sales is the process of exchanging goods or services for money or other valuable consideration.

    • Sales involves identifying potential customers and persuading them to buy a product or service.

    • It includes activities such as prospecting, lead generation, qualifying leads, making sales presentations, negotiating and closing deals.

    • Sales can be done through various channels such as direct selling, telemarketing, online sales,...

  • Answered by AI
  • Q2. Are u good at sales?
  • Q3. Can u sale me anything ?

Interview Preparation Tips

Interview preparation tips for other job seekers - Convincing someone for something is sales .

I applied via Referral and was interviewed before Apr 2020. There were 5 interview rounds.

Interview Questionnaire 

1 Question

  • Q1. About yourself and prior academics

Interview Preparation Tips

Interview preparation tips for other job seekers - Never say i can strech always say i can do strech one time in a week

I appeared for an interview before Apr 2016.

Interview Questionnaire 

3 Questions

  • Q1. Tell me something about yourself
  • Ans. 

    I am a highly motivated and experienced professional with a strong background in management and leadership.

    • I have over 5 years of experience in supervisory roles, where I successfully led teams and achieved targets.

    • I have a proven track record of implementing effective strategies to improve operational efficiency and customer satisfaction.

    • I possess excellent communication and interpersonal skills, which enable me to ef...

  • Answered by AI
  • Q2. Why are you the right candidate for this job?
  • Ans. 

    I have the necessary skills, experience, and leadership qualities to excel in this role.

    • I have a proven track record of successfully managing teams and achieving targets.

    • I possess strong communication and interpersonal skills, which are essential for effectively leading and motivating a team.

    • I am highly organized and detail-oriented, ensuring efficient operations and smooth workflow.

    • I am adept at problem-solving and de...

  • Answered by AI
  • Q3. Same question as Round 2 but by regional head

Interview Preparation Tips

Round: Resume Shortlist
Experience: Management at organization goes through your resume
Tips: Include essential details in resume, like qualifications, academic achievements and out of the box attributes about yourself. Remove unnecessary/irrelevant details

Round: Technical + HR Interview
Experience: Yes bank management asked me about myself, why am I fit for the job, how are my qualifications apt for the job, how can I bring value to the organisation basis my learnings pre MBA and during MBA program?
Tips: Try to be yourself, don't fake around becuase people sitting on other side are smart enough to judge if it's truth or fake. Start answering with your academic background, followed by what made you choose MBA, then continue with how learnings till that time is appropriate for the job and try ending up by framing the picture that you're the best candidate for the job.

Round: Technical + HR Interview
Experience: Same as Round 2
Tips: Be yourself and answer smartly like in round 2 even if it is to regional head because your 1st interviewer and 2nd interview would coordinate and your answers would be validated

Skills: Smartness, Sales, Ability To Make Quick Calculations, Decision Making Skill
College Name: NMIMS School Of Business Management

I appeared for an interview before May 2016.

Interview Preparation Tips

Round: Resume Shortlist
Tips: Short and concise

Round: Test
Tips: Basic concept must be cleared
Total Questions: 50

Round: HR Interview
Tips: Fundamental and your goals towards ur life.. should be clear.

Interview Preparation Tips

Round: Resume Shortlist
Experience: Hi..
It is magical movment for me when i got call from the HR of HDFC bank. I am just uploading my resume on the banks carrier & after a month or 2 months they called me for the interview.
Tips: Many of us upload their resume on all job sites in addition to that also upload your resume on the respective companies carrier site, if they found your resume as suitable then they definitely contact you.

Interview Questionnaire 

1 Question

  • Q1. About banks in Indian market About kotak Savings accounts Current accounts Rate of interest NII NIV

Assistant Manager Interview Questions & Answers

Axis Bank user image Prasoon Shrivastava

posted on 5 May 2015

Interview Questionnaire 

4 Questions

  • Q1. Tell me about yourself
  • Q2. About Internship
  • Q3. Question related to finance
  • Q4. Will you able to build relationship with the customers

Interview Preparation Tips

Round: Test
Experience: Was easyJust to test simple logical and aptitude skills.
Tips: Keep regular check on the mathematical formulas it will help in clearing the test.

Round: HR Interview
Experience: Was fairly easy.Only some tricky questions.
Tips: Don't fake, be original.Be clear about the role and designation being offered.

General Tips: Ask them clearly about the role and compensation. If you have any doubts in your mind then ask HR present and then only proceed with the process.
Skills: Communication skills, Aptitude skills, Selling skills
College Name: IMT Nagpur

I appeared for an interview before May 2016.

Interview Questionnaire 

2 Questions

  • Q1. Financial background
  • Q2. Briefing about myself

Interview Preparation Tips

Round: Resume Shortlist
Experience: I uploaded my resume in career portal of axis bank from where I was shortlisted for next round of recruitment.
Tips: Resume should be captivating and impressive.

Round: Test
Experience: It included questions related to quantitative aptitude, English, reasoning.
Tips: Speed and accuracy matters a lot.
Duration: 1 hour
Total Questions: 100

Round: Technical + HR Interview
Experience: Few finance related terms were asked like CRR, SLR etc and rest was based on the fields you fill in your resume.
Tips: One should deeply study his/her resume as many questions comes from that and response should be given confidently.

ICICI Bank Interview FAQs

How many rounds are there in ICICI Bank Credit Appraisal interview?
ICICI Bank interview process usually has 1 rounds. The most common rounds in the ICICI Bank interview process are One-on-one Round.
What are the top questions asked in ICICI Bank Credit Appraisal interview?

Some of the top questions asked at the ICICI Bank Credit Appraisal interview -

  1. What is Kyc and what is ci...read more
  2. What is Cibil of t...read more

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ICICI Bank Credit Appraisal Interview Process

based on 2 interviews

Interview experience

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ICICI Bank Credit Appraisal Reviews and Ratings

based on 2 reviews

5.0/5

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