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India Ratings & Research Senior Analyst II Interview Questions and Answers
India Ratings & Research Senior Analyst II Interview Experiences
1 interview found
Anonymous
I applied via Recruitment Consulltant and was interviewed before Sep 2021. There were 4 interview rounds.
(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 ...
- 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
- 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...
- Q4. Past work experience
Credit analysis on one of the NBFCs
(2 Questions)
- Q1. Past experience relevant to current role
- Q2. Same questions in round 2
Interview Preparation Tips
Top trending discussions
Interview questions from similar companies
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...
- 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
Interview Preparation Tips
I applied via Company Website and was interviewed before Aug 2021. There were 2 interview rounds.
(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...
- 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
Interview Preparation Tips
I applied via Approached by Company and was interviewed before Mar 2021. There was 1 interview round.
(1 Question)
- Q1. Question about Greeks, Valuation and fundamental analysis of Banks
Interview Preparation Tips
discuss the career path and if possible talk to people working with CRISIL before making any move.
Selected
I applied via LinkedIn and was interviewed before Aug 2022. There were 2 interview rounds.
(2 Questions)
- Q1. Intro about ratings
- Q2. Intro with CBO, basic questing regarding the company
Selected
I applied via Naukri.com and was interviewed in Oct 2023. There were 4 interview rounds.
(1 Question)
- Q1. Telephonic round with basic questions regarding experience and CV
Basic finance related question and general k knowledge questions
(1 Question)
- Q1. About yourself and balance sheet questions
(1 Question)
- Q1. Basic English test
I applied via Walk-in and was interviewed in Apr 2023. There were 2 interview rounds.
(3 Questions)
- Q1. Market analysis? Ratios
- Q2. Market? Ratios Analysis
- Q3. Personal questions
Interview Preparation Tips
Selected
I applied via Recruitment Consulltant and was interviewed before Aug 2023. There were 2 interview rounds.
(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
(1 Question)
- Q1. About the regulatory bodies?
Interview Preparation Tips
Ratio Analysis and general awareness about the economy
(1 Question)
- Q1. General economy trend and ratios
I applied via LinkedIn and was interviewed in Nov 2021. There were 6 interview rounds.
Interview Questionnaire
1 Question
- Q1. Every details about previous job and subjective questions
Interview Preparation Tips
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India Ratings & Research Interviews By Designations
- India Ratings & Research Senior Analyst Interview Questions
- India Ratings & Research Analyst Interview Questions
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- India Ratings & Research Senior Research Associate Interview Questions
- India Ratings & Research Senior Analyst II Interview Questions
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