AmbitionBox
Interview Questions
- Reviews
- Salaries
- Interview Questions
- About Company
- Benefits
- Jobs
- Office Photos
- Community
Add office photos
ICICI Bank
Compare
Proud winner of ABECA 2024 - AmbitionBox Employee Choice Awards
Filter interviews by
ICICI Bank Interview Questions, Process, and Tips
Top ICICI Bank Interview Questions and Answers
- Q1. 1. What are Operating Cycle and Working Capital Cycle? How does calculate it?
- Q2. 3. What is Current Ratio and it's relevance? What is standard Current Ratio?
- Q3. What is DSCR and it's calculation? Ideal Ratio and it's relevance.
ICICI Bank Interview Experiences
20 interviews found
Anonymous
Interview Questionnaire
5 Questions
- Q1. 1. What are Operating Cycle and Working Capital Cycle? How does calculate it?
- Q2. 2. What are the methods for Working Capital assessment? Who recommended these methods? Detail calculations.
- Q3. 3. What is Current Ratio and it's relevance? What is standard Current Ratio?
- Ans.
Current Ratio is a financial ratio that measures a company's ability to pay its short-term liabilities with its short-term assets.
Current Ratio = Current Assets / Current Liabilities
It indicates the liquidity of a company
A higher current ratio is generally considered better
Standard current ratio varies by industry
For example, a current ratio of 2:1 is considered good for most industries
- Q4. 4. What is important yardstick in assessment of Term Loan.
- Ans.
The repayment capacity of the borrower is the most important yardstick in assessment of Term Loan.
Repayment capacity of the borrower is assessed through various financial ratios such as Debt Service Coverage Ratio (DSCR), Interest Coverage Ratio (ICR), and Loan to Value Ratio (LTV).
The borrower's credit history, income, and assets are also considered in the assessment.
The purpose of the loan, the industry in which the ...
- Q5. What is DSCR and it's calculation? Ideal Ratio and it's relevance.
- Ans.
DSCR is Debt Service Coverage Ratio, a measure of a company's ability to repay its debt. It is calculated by dividing net operating income by total debt service.
DSCR is a financial ratio used by lenders to assess the creditworthiness of a borrower.
It measures the cash flow available to cover debt payments.
The formula for DSCR is: DSCR = Net Operating Income / Total Debt Service.
A higher DSCR indicates a better ability ...
Interview Preparation Tips
Selected
I applied via Company Website and was interviewed before Mar 2023. There was 1 interview round.
(1 Question)
- Q1. What is working capital gap
- Ans.
Working capital gap is the difference between current assets and current liabilities.
Working capital gap indicates the short-term financial health of a company.
It shows how much liquidity a company has to cover its short-term obligations.
A positive working capital gap means the company has more current assets than liabilities.
A negative working capital gap indicates potential liquidity issues.
Formula: Working Capital G
Interview Preparation Tips
Selected
I applied via Company Website and was interviewed before May 2022. There was 1 interview round.
(2 Questions)
- Q1. Explain Debt service coverage Ratio, Interest Coverage Ratio
- Ans.
Debt service coverage ratio measures a company's ability to pay its debt obligations. Interest coverage ratio measures a company's ability to pay interest on its debt.
Debt service coverage ratio is calculated by dividing a company's net operating income by its total debt service.
A ratio of 1 or higher indicates that a company is generating enough income to cover its debt obligations.
Interest coverage ratio is calculate...
- Q2. Please tell us about yourself
Interview Preparation Tips
- Ratios
- Roles of Credit Manager
- Banking Law
What people are saying about ICICI Bank
Selected
I applied via Approached by Company and was interviewed before Jan 2022. There were 3 interview rounds.
(2 Questions)
- Q1. Initially start from tell me something about yourself. Then which are the products you are looking a current organization.
- Q2. Experience of working on current profile. Total work experience. Why do you want to switch
- Ans.
I have 5 years of experience as a Credit Manager. I have a total work experience of 10 years. I am looking for new challenges and growth opportunities.
I have been working as a Credit Manager for the past 5 years.
My total work experience is 10 years.
I have successfully managed credit portfolios and implemented effective credit risk management strategies.
I have consistently achieved targets and maintained a low delinquen...
(1 Question)
- Q1. Total working experience, whether entire experience is it with Banking. Your CTC,Notice period, preferred location
Interview Preparation Tips
ICICI Bank interview questions for designations
I applied via Naukri.com and was interviewed in Nov 2021. There were 2 interview rounds.
(1 Question)
- Q1. Communication skills and Work experience
Interview Preparation Tips
Get interview-ready with Top ICICI Bank Interview Questions
(1 Question)
- Q1. Tell me about yourself.
Good
Interview Preparation Tips
I applied via Campus Placement and was interviewed in Mar 2021. There were 3 interview rounds.
Interview Questionnaire
2 Questions
- Q1. Financial ratios and about cash flow statement
- Q2. Something abt risk management like MBFR
Interview Preparation Tips
Interview Questionnaire
1 Question
- Q1. Tell me about yourself then about articleship experience, a bit of Ratios, why you want to join ICICI? And then asked for flexibility.
I applied via Naukri.com and was interviewed in Nov 2020. There were 3 interview rounds.
Interview Questionnaire
3 Questions
- Q1. What are the tools of credit analysis?
- Ans.
The tools of credit analysis include financial statements, credit reports, credit scoring models, and industry research.
Financial statements provide information on a company's financial health and performance.
Credit reports show a borrower's credit history and payment behavior.
Credit scoring models use data from credit reports to assess creditworthiness.
Industry research helps to understand the borrower's market and co...
- Q2. CIBIL Ideal CIBIL score
- Q3. Family Background
Interview Preparation Tips
I appeared for an interview in Dec 2020.
Interview Questionnaire
2 Questions
- Q1. Why you want to join banking industry
- Q2. CIBIL
ICICI Bank Interview FAQs
Some of the top questions asked at the ICICI Bank Credit Manager interview for experienced candidates -
The duration of ICICI Bank Credit Manager interview process can vary, but typically it takes about less than 2 weeks to complete.
Tell us how to improve this page.
ICICI Bank Interviews By Designations
- ICICI Bank Relationship Manager Interview Questions
- ICICI Bank Deputy Manager Interview Questions
- ICICI Bank Assistant Manager Interview Questions
- ICICI Bank Phone Banking Officer Interview Questions
- ICICI Bank Credit Manager Interview Questions
- ICICI Bank Branch Manager Interview Questions
- ICICI Bank Senior Officer Interview Questions
- ICICI Bank Sales Officer Interview Questions
- Show more
Interview Questions for Popular Designations
- Credit Officer Interview Questions
- Branch Credit Manager Interview Questions
- Credit Analyst Interview Questions
- Credit Risk Analyst Interview Questions
- Area Credit Manager Interview Questions
- Senior Manager Credit Interview Questions
- Credit Processing Associate Interview Questions
- Senior Credit Analyst Interview Questions
- Show more
ICICI Bank Interview Process
based on 12 interviews
2 Interview rounds
- Technical Round
- HR Round
Credit Manager Interview Questions from Similar Companies
Fast track your campus placements
ICICI Bank Credit Manager Reviews and Ratings
based on 570 reviews
Rating in categories
|
Deputy Manager
15.5k
salaries
|  ₹2.5 L/yr - ₹11 L/yr |
|
Relationship Manager
13.1k
salaries
| ₹2.3 L/yr - ₹11.3 L/yr |
|
Assistant Manager
10.2k
salaries
| ₹1.8 L/yr - ₹6 L/yr |
|
Manager
4.8k
salaries
| ₹5.5 L/yr - ₹18.7 L/yr |
|
Credit Manager
3.3k
salaries
| ₹4.3 L/yr - ₹17.6 L/yr |
HDFC Bank
Axis Bank
Kotak Mahindra Bank
AU Small Finance Bank
- Home >
- Interviews >
- ICICI Bank Interview Questions >
- ICICI Bank Credit Manager Interview Questions for Experienced
