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ICICI Bank Credit Executive Interview Questions and Answers

Updated 20 Jun 2023

ICICI Bank Credit Executive Interview Experiences

3 interviews found

I applied via Company Website and was interviewed in Feb 2022. 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 - HR 

(3 Questions)

  • Q1. What are your salary expectations?
  • Q2. Tell me about yourself.
  • Q3. He can also ask about my qualification

Interview Preparation Tips

Interview preparation tips for other job seekers - Always be a self dependent. Hope can never failed
Interview experience
5
Excellent
Difficulty level
Easy
Process Duration
Less than 2 weeks
Result
Selected Selected

I applied via Walk-in and was interviewed before Jun 2022. There were 3 interview rounds.

Round 1 - Resume Shortlist 
Pro Tip by AmbitionBox:
Don’t add your photo or details such as gender, age, and address in your resume. These details do not add any value.
View all tips
Round 2 - Aptitude Test 

General knowledge and other information , family background etc.

Round 3 - Technical 

(2 Questions)

  • Q1. Computer knowledge and other applications.
  • Q2. Nothing more...........

Interview Preparation Tips

Interview preparation tips for other job seekers - It is a best institute to work

Credit Executive Interview Questions Asked at Other Companies

Q1. What's process for approval and disbursement in CV loan
asked in ICICI Bank
Q2. How much time will you take to learn loan policy
asked in PayMe India
Q3. What do you know about fintech organization?
asked in HDFC Bank
Q4. WHAT ARE THE ACCOUNT TYPES OF THE BANK
Q5. What do you know about income tax

I applied via Referral and was interviewed before Nov 2020. There was 1 interview round.

Interview Questionnaire 

3 Questions

  • Q1. Whom you would give loans
  • Ans. 

    We give loans to individuals and businesses with a good credit history and a solid financial plan.

    • Individuals and businesses with a good credit score

    • Those with a solid financial plan and a clear repayment strategy

    • Those who have a history of timely loan repayments

    • Businesses with a proven track record of profitability

    • Those who have collateral to secure the loan

  • Answered by AI
  • Q2. Do you know political environment of local place
  • Q3. How much time will you take to learn loan policy
  • Ans. 

    I will take the necessary time to thoroughly learn the loan policy.

    • I will review the loan policy document thoroughly

    • I will seek guidance from experienced colleagues

    • I will attend any training sessions or workshops offered

    • I will ask questions and clarify any doubts

    • I will apply the policy in practice to gain hands-on experience

  • Answered by AI

Interview Preparation Tips

Interview preparation tips for other job seekers - It was good taken by area manager along with regional manager

Interview questions from similar companies

Interview experience
4
Good
Difficulty level
Moderate
Process Duration
Less than 2 weeks
Result
Not Selected

I applied via Referral and was interviewed in Jan 2024. There were 2 interview rounds.

Round 1 - Technical 

(1 Question)

  • Q1. Loan sanction process
Round 2 - HR 

(1 Question)

  • Q1. Basic Hr related questions

I applied via Naukri.com and was interviewed in Oct 2021. There were 4 interview rounds.

Interview Questionnaire 

2 Questions

  • Q1. WHAT ARE THE ACCOUNT TYPES OF THE BANK
  • Ans. 

    The account types of the bank include savings, checking, money market, CD, and IRA accounts.

    • Savings account - for saving money and earning interest

    • Checking account - for everyday transactions and bill payments

    • Money market account - for higher interest rates and limited check writing

    • CD account - for earning higher interest rates over a fixed term

    • IRA account - for retirement savings with tax advantages

  • Answered by AI
  • Q2. SB , CA , MAMC, STUDENT, TRUST A/C

Interview Preparation Tips

Interview preparation tips for other job seekers - Be punctual at interview. it is mondatary to be on time job interview, Do your research your company, Don't forget about nonverbal communication, Be polite with everyone, Be prepared for your interview
Interview experience
5
Excellent
Difficulty level
Moderate
Process Duration
4-6 weeks
Result
Selected Selected

I was interviewed in Aug 2024.

Round 1 - One-on-one 

(3 Questions)

  • Q1. What were your major findings during the audit?
  • Ans. 

    During the audit, major findings included high levels of overdue accounts, discrepancies in financial records, and inadequate credit risk assessment procedures.

    • High levels of overdue accounts were identified, indicating potential cash flow issues.

    • Discrepancies in financial records were found, suggesting errors or fraud.

    • Inadequate credit risk assessment procedures were noted, increasing the company's exposure to bad deb

  • Answered by AI
  • Q2. How do you conduct a fraud investigation?
  • Ans. 

    Fraud investigations involve gathering evidence, analyzing data, interviewing witnesses, and collaborating with law enforcement.

    • Start by gathering all relevant documents and data related to the suspected fraud.

    • Conduct interviews with employees, customers, and other relevant parties to gather information and potential leads.

    • Analyze financial records, transactions, and other evidence to identify any irregularities or sus...

  • Answered by AI
  • Q3. What is your motivation for seeking an individual role when you are currently in a team position?
  • Ans. 

    I am seeking an individual role to take on more responsibility and challenge myself to grow professionally.

    • Seeking new challenges and opportunities for growth

    • Desire for more responsibility and autonomy

    • Ability to showcase individual skills and contributions

    • Personal career development goals

  • Answered by AI
Round 2 - One-on-one 

(2 Questions)

  • Q1. How do you manage fraud investigations?
  • Ans. 

    I manage fraud investigations by conducting thorough analysis, utilizing fraud detection tools, collaborating with law enforcement, and implementing preventative measures.

    • Conduct thorough analysis of suspicious activities and transactions

    • Utilize fraud detection tools and software to identify potential fraudulent behavior

    • Collaborate with law enforcement agencies and regulatory bodies to investigate and prosecute fraudst...

  • Answered by AI
  • Q2. How do you plan to manage the entire Madhya Pradesh state?
  • Ans. 

    I plan to manage the entire Madhya Pradesh state by implementing efficient credit policies, building strong relationships with clients and stakeholders, and closely monitoring credit risk.

    • Developing and implementing credit policies and procedures to ensure timely and accurate credit decisions

    • Building strong relationships with clients, vendors, and other stakeholders to facilitate smooth credit transactions

    • Closely monit...

  • Answered by AI

Interview Preparation Tips

Interview preparation tips for other job seekers - Prepare thoroughly for your interview, as there will also be situational-based questions.
Interview experience
4
Good
Difficulty level
Moderate
Process Duration
Less than 2 weeks
Result
Selected Selected

I applied via Approached by Company and was interviewed in Jul 2024. There was 1 interview round.

Round 1 - One-on-one 

(5 Questions)

  • Q1. What is the difference between OD and VC?
  • Q2. How you determine drawing power?
  • Q3. What is DLOD?
  • Q4. What is Leverage ratio?
  • Q5. Why do you what to switch job?
Interview experience
4
Good
Difficulty level
-
Process Duration
-
Result
-
Round 1 - Aptitude Test 

Reasoning, quantitative skills, and English language proficiency.

Round 2 - Interview 

(1 Question)

  • Q1. How should one prepare for analyzing financial statements, balance sheets, and assessing limits?
Interview experience
2
Poor
Difficulty level
Moderate
Process Duration
4-6 weeks
Result
Selected Selected

I was interviewed in Jul 2024.

Round 1 - One-on-one 

(3 Questions)

  • Q1. Can you provide some information about yourself?
  • Q2. What is your experience related to this field?l
  • Q3. Your achievements
Round 2 - Aptitude Test 

Reasoning, logical, and mathematical skills.

Round 3 - HR 

(1 Question)

  • Q1. What is your current salary, and how would you like to discuss it?

Interview Preparation Tips

Interview preparation tips for other job seekers - Avoid joining IDFC due to its poor work culture.
Interview experience
5
Excellent
Difficulty level
-
Process Duration
-
Result
Selected Selected
Round 1 - Technical 

(2 Questions)

  • Q1. How do you fund a applicant
  • Ans. 

    Funding an applicant involves evaluating their creditworthiness and determining the appropriate amount and terms of the loan.

    • Evaluate the applicant's credit history, income, and debt-to-income ratio

    • Determine the appropriate loan amount based on the applicant's financial situation

    • Decide on the terms of the loan including interest rate, repayment period, and collateral requirements

    • Obtain necessary documentation such as p...

  • Answered by AI
  • Q2. Ratios analysis , banking analaysis

Interview Preparation Tips

Interview preparation tips for other job seekers - Know your product well interviewer will ask basis you experience in resume

ICICI Bank Interview FAQs

How many rounds are there in ICICI Bank Credit Executive interview?
ICICI Bank interview process usually has 2-3 rounds. The most common rounds in the ICICI Bank interview process are Resume Shortlist, HR and Aptitude Test.
What are the top questions asked in ICICI Bank Credit Executive interview?

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

  1. How much time will you take to learn loan pol...read more
  2. Whom you would give lo...read more
  3. Computer knowledge and other applicatio...read more

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ICICI Bank Credit Executive Interview Process

based on 2 interviews

Interview experience

5
  
Excellent
View more

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ICICI Bank Credit Executive Salary
based on 48 salaries
₹1.1 L/yr - ₹4 L/yr
At par with the average Credit Executive Salary in India
View more details

ICICI Bank Credit Executive Reviews and Ratings

based on 16 reviews

4.8/5

Rating in categories

4.6

Skill development

4.4

Work-life balance

4.5

Salary

4.5

Job security

4.8

Company culture

4.3

Promotions

4.3

Work satisfaction

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