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India Ratings & Research Senior Analyst II Interview Questions and Answers

Updated 16 Sep 2022

India Ratings & Research Senior Analyst II Interview Experiences

1 interview found

I applied via Recruitment Consulltant and was interviewed before Sep 2021. There were 4 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.
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Round 2 - One-on-one 

(4 Questions)

  • Q1. Fundamental analysis of credit
  • Ans. 

    Fundamental analysis of credit involves evaluating the financial health of a borrower to determine their creditworthiness.

    • Assessing the borrower's income, expenses, assets, and liabilities

    • Analyzing the borrower's credit history and credit score

    • Evaluating the borrower's ability to repay the loan

    • Examining the borrower's industry and market trends

    • Considering macroeconomic factors that may impact the borrower's ability to ...

  • Answered by AI
  • Q2. Risk drivers in NBFCs
  • Ans. 

    Risk drivers in NBFCs

    • Lack of diversification in loan portfolio

    • Dependency on short-term funding sources

    • Inadequate risk management practices

    • Exposure to external factors such as economic downturns

    • Lack of regulatory oversight

    • Fraudulent activities by employees or borrowers

  • Answered by AI
  • Q3. Approach to rating NBFC which has a manufacturing parent
  • Ans. 

    The approach to rating an NBFC with a manufacturing parent involves analyzing the parent's financial strength and the NBFC's business model.

    • Assess the parent company's creditworthiness and financial stability

    • Evaluate the NBFC's business model and its relationship with the parent company

    • Analyze the NBFC's risk management practices and regulatory compliance

    • Consider the industry and market conditions in which the NBFC ope...

  • Answered by AI
  • Q4. Past work experience
Round 3 - Case Study 

Credit analysis on one of the NBFCs

Round 4 - One-on-one 

(2 Questions)

  • Q1. Past experience relevant to current role
  • Q2. Same questions in round 2

Interview Preparation Tips

Interview preparation tips for other job seekers - Conceptually be correct. Brush up basics on fundamental analysis of business and financials.

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Analyst Interview Questions & Answers

ICRA user image Anonymous

posted on 10 May 2021

I applied via Referral and was interviewed before May 2020. There were 3 interview rounds.

Interview Questionnaire 

3 Questions

  • Q1. Written test focused on financial analysis of a company
  • Q2. How do you perform credit analysis ?
  • Ans. 

    Credit analysis involves evaluating the creditworthiness of a borrower to determine the likelihood of repayment.

    • Gather financial information about the borrower, including income, assets, and liabilities

    • Assess the borrower's credit history and credit score

    • Analyze the borrower's debt-to-income ratio and other financial ratios

    • Consider external factors such as economic conditions and industry trends

    • Make a recommendation on...

  • Answered by AI
  • Q3. What are the key parameters by which you will assess the business risk of a company?
  • Ans. 

    Assessing business risk involves evaluating various parameters.

    • Financial stability and performance

    • Market competition and trends

    • Regulatory compliance and legal issues

    • Management team and corporate governance

    • Industry and macroeconomic factors

    • Brand reputation and customer satisfaction

    • Supply chain and operational risks

  • Answered by AI

Interview Preparation Tips

Interview preparation tips for other job seekers - Be thorough with ratios used to analyze a company's financial health, especially leverage ratios, how to calculate ROCE, cash flow analysis.
Interview experience
3
Average
Difficulty level
Moderate
Process Duration
2-4 weeks
Result
Selected Selected

I applied via LinkedIn and was interviewed before Aug 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 Resume tips
Round 2 - One-on-one 

(2 Questions)

  • Q1. Intro about ratings
  • Q2. Intro with CBO, basic questing regarding the company

I applied via Approached by Company and was interviewed before Mar 2021. There was 1 interview round.

Round 1 - Technical 

(1 Question)

  • Q1. Question about Greeks, Valuation and fundamental analysis of Banks

Interview Preparation Tips

Interview preparation tips for other job seekers - Make sure you are not being duped into an inflated JD. CRISIL is very notorious for hiring people on fake or inflated JD.
discuss the career path and if possible talk to people working with CRISIL before making any move.

I applied via Company Website and was interviewed before Aug 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 Resume tips
Round 2 - One-on-one 

(2 Questions)

  • Q1. What is current ratio
  • Ans. 

    Current ratio is a financial ratio that measures a company's ability to pay its short-term obligations.

    • Current ratio is calculated by dividing current assets by current liabilities.

    • It is used to evaluate a company's liquidity and short-term financial health.

    • A ratio of 1 or higher is generally considered good, indicating that the company can meet its short-term obligations.

    • However, a very high current ratio may indicate...

  • Answered by AI
  • Q2. Ratio of current assets and liabilities
  • Ans. 

    The ratio of current assets and liabilities is a measure of a company's ability to pay off its short-term debts.

    • Current ratio = current assets / current liabilities

    • A ratio of 2:1 or higher is considered healthy

    • Low ratio may indicate liquidity issues

    • Example: If a company has $100,000 in current assets and $50,000 in current liabilities, its current ratio would be 2:1

  • Answered by AI

Interview Preparation Tips

Interview preparation tips for other job seekers - understand basic finance terms and how to interpret them, forecasting is also important
Interview experience
5
Excellent
Difficulty level
Moderate
Process Duration
Less than 2 weeks
Result
Selected Selected

I applied via Naukri.com and was interviewed in Oct 2023. There were 4 interview rounds.

Round 1 - HR 

(1 Question)

  • Q1. Telephonic round with basic questions regarding experience and CV
Round 2 - Aptitude Test 

Basic finance related question and general k knowledge questions

Round 3 - Technical 

(1 Question)

  • Q1. About yourself and balance sheet questions
Round 4 - Essay Writing 

(1 Question)

  • Q1. Basic English test
Interview experience
4
Good
Difficulty level
Moderate
Process Duration
4-6 weeks
Result
Selected Selected

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

Round 1 - HR 

(1 Question)

  • Q1. What is your salary expectations?
  • Ans. 

    I am looking for a competitive salary that reflects my experience and skills.

    • Research industry standards for similar positions

    • Consider cost of living in the area

    • Factor in benefits and potential for growth within the company

  • Answered by AI
Round 2 - Technical 

(1 Question)

  • Q1. About the regulatory bodies?

Interview Preparation Tips

Interview preparation tips for other job seekers - Study financial ratios
Interview experience
4
Good
Difficulty level
Easy
Process Duration
Less than 2 weeks
Result
Not Selected

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

Round 1 - Resume Shortlist 
Pro Tip by AmbitionBox:
Double-check your resume for any spelling mistakes. The recruiter may consider spelling mistakes as careless behavior or poor communication skills.
View all Resume tips
Round 2 - One-on-one 

(3 Questions)

  • Q1. Market analysis? Ratios
  • Q2. Market? Ratios Analysis
  • Q3. Personal questions

Interview Preparation Tips

Interview preparation tips for other job seekers - Be prepared
Interview experience
4
Good
Difficulty level
Moderate
Process Duration
Less than 2 weeks
Result
Selected Selected

I applied via Campus Placement and was interviewed in Jul 2023. There were 3 interview rounds.

Round 1 - Aptitude Test 

Financial ratios related to profit and loss statement and balance sheet

Round 2 - One-on-one 

(1 Question)

  • Q1. Which debt coverage ratios will you consider for analyzing the company
  • Ans. 

    The debt coverage ratios that I would consider for analyzing a company are the debt service coverage ratio (DSCR) and the interest coverage ratio (ICR).

    • Debt service coverage ratio (DSCR) measures a company's ability to cover its debt obligations. It is calculated by dividing the company's operating income by its total debt service.

    • Interest coverage ratio (ICR) measures a company's ability to cover its interest expenses...

  • Answered by AI
Round 3 - HR 

(1 Question)

  • Q1. Why CARE, about previous experience

I applied via Naukri.com and was interviewed in Oct 2021. There was 1 interview round.

Round 1 - One-on-one 

(1 Question)

  • Q1. Recent economic updates, past work experience, banking ratios calculation,

Interview Preparation Tips

Interview preparation tips for other job seekers - Negotiate well. Work experience questions are most important, Financial ratios should be revised
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India Ratings & Research Interview FAQs

How many rounds are there in India Ratings & Research Senior Analyst II interview?
India Ratings & Research interview process usually has 4 rounds. The most common rounds in the India Ratings & Research interview process are One-on-one Round, Resume Shortlist and Case Study.
What are the top questions asked in India Ratings & Research Senior Analyst II interview?

Some of the top questions asked at the India Ratings & Research Senior Analyst II interview -

  1. Approach to rating NBFC which has a manufacturing par...read more
  2. Fundamental analysis of cre...read more
  3. Risk drivers in NB...read more

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