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ICICI Bank Credit Manager Interview Questions, Process, and Tips
Top ICICI Bank Credit Manager Interview Questions and Answers
- Q1. What are the most important ratios to analyse the balance sheet and profit loss statement of borrower?
- Q2. Which clauses are important in 3CD while sanctioning loan
- Q3. What are the key skills of credit manager?
ICICI Bank Credit Manager Interview Experiences
72 interviews found
Anonymous
I applied via Referral and was interviewed in Oct 2023. There were 2 interview rounds.
(2 Questions)
- Q1. Basics details of ICICI Bank
- Q2. Tell me about yourself
Selected
I applied via campus placement at Institute of Chartered Accountant of India (ICAI) and was interviewed in Feb 2023. There were 2 interview rounds.
(2 Questions)
- Q1. General questions based on articleship experience
- Q2. They may ask General questions relating to banking
- Ans. Prepare Credit Underwriting Taking risk for a fee Process of appraisal, financial analysis to know the credit worthiness of borrower so that banks can give loans after proper due diligence and analysis 5 C’s Character — check Cibil score — whether any non compliances of Rbi regulations Capacity — verify analyse Financial statements — conduct ratio analysis — Debt to income ratio Capital How much own capital ...
Interview Preparation Tips
Be yourself
Don't be rigid when they ask about Location preference
Selected
I applied via Referral and was interviewed in Sep 2023. There were 3 interview rounds.
General aptitude test
(2 Questions)
- Q1. About underwriting
- Q2. And cibil related questions
Interview Preparation Tips
What people are saying about ICICI Bank
Selected
I applied via Approached by Company and was interviewed in Oct 2023. There were 2 interview rounds.
(5 Questions)
- Q1. Normal Basics questions
- Q2. About me,Brife of my profile from start
- Q3. Salary expectations
- Q4. Why looking for change
- Q5. Relocate my Location or not
Interview Preparation Tips
What is working capital??
Case study.
ICICI Bank interview questions for designations
Selected
I applied via Company Website and was interviewed in Apr 2023. There were 2 interview rounds.
(3 Questions)
- Q1. What is the role of credit manager
- Ans.
Credit managers are responsible for overseeing the credit granting process, managing credit risk, and ensuring customers pay on time.
Evaluate credit applications and determine credit limits
Monitor customer accounts and ensure timely payments
Manage relationships with credit reporting agencies and collection agencies
Develop and implement credit policies and procedures
Analyze financial data to assess creditworthiness
Negot
- Q2. How to calculate working capital cycle
- Ans.
Working capital cycle is calculated by adding the number of days it takes to sell inventory, the number of days it takes to collect receivables, and subtracting the number of days it takes to pay suppliers.
Calculate average inventory turnover ratio by dividing cost of goods sold by average inventory.
Calculate average collection period by dividing accounts receivable by average daily credit sales.
Calculate average payme...
- Q3. What is CIBIL report
- Ans.
CIBIL report is a credit report generated by Credit Information Bureau (India) Limited, containing an individual's credit history.
CIBIL report is used by lenders to evaluate an individual's creditworthiness before approving a loan or credit card.
It includes details such as credit score, repayment history, outstanding loans, and credit inquiries.
A good credit score in CIBIL report indicates a higher likelihood of loan a...
Get interview-ready with Top ICICI Bank Interview Questions
(2 Questions)
- Q1. Questions related to ratio analysis
- Q2. Scenarios where cash flow will be negative
- Ans.
Negative cash flow scenarios include high expenses, low sales, delayed payments, and economic downturns.
High expenses exceeding revenue
Low sales leading to decreased cash inflow
Delayed payments from customers affecting cash flow
Economic downturn impacting overall business performance
Interview Preparation Tips
Selected
I applied via campus placement at Institute of Chartered Accountant of India (ICAI) and was interviewed before Apr 2023. There were 2 interview rounds.
(1 Question)
- Q1. Current Ratio, Drawing Power calculation, Repo and Reverse repo rates, working capital concept
(1 Question)
- Q1. General questions regarding place of living, education background, any previous work experience etc
Interview Preparation Tips
I applied via Company Website and was interviewed in Feb 2023. There were 2 interview rounds.
(2 Questions)
- Q1. What is Ideal debt equity ratio? What is Credit Appraisal?
- Ans.
Ideal debt equity ratio varies by industry and company, but generally ranges from 0.5 to 2.
Debt equity ratio is a measure of a company's financial leverage.
It compares a company's total debt to its total equity.
A higher debt equity ratio indicates higher financial risk.
Ideal debt equity ratio varies by industry and company, but generally ranges from 0.5 to 2.
For example, a technology company may have a higher debt equi...
- Q2. What are the key takeaways of recent budget?
- Ans.
The recent budget focuses on healthcare, infrastructure, and digitalization.
Increased allocation for healthcare sector
Focus on building new highways and railways
Investment in digital infrastructure
Reduction in customs duty on certain products
Introduction of new tax regime for small businesses
Interview Preparation Tips
I applied via Naukri.com and was interviewed in Apr 2023. There were 2 interview rounds.
(3 Questions)
- Q1. Nothing related to job position just casual questions
- Q2. Self intro , relocation
- Q3. Work experience
Selected
I applied via campus placement at Institute of Chartered Accountant of India (ICAI) and was interviewed in Dec 2022. There were 2 interview rounds.
(2 Questions)
- Q1. Many banking related questions like difference between cc and od account, difference between secured and unsecured loan, why do banks prefer unsecured loans when they can get security against a given loan,...
- Q2. They also ask about different financial ratios, what is the job a credit manager performs and such other questions
Interview Preparation Tips
ICICI Bank Interview FAQs
The duration of ICICI Bank Credit Manager interview process can vary, but typically it takes about less than 2 weeks to complete.
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ICICI Bank Credit Manager Interview Process
based on 52 interviews
3 Interview rounds
- Resume Shortlist Round
- One-on-one Round
- HR Round
Credit Manager Interview Questions from Similar Companies
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ICICI Bank Credit Manager Reviews and Ratings
based on 556 reviews
Rating in categories
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