Indifi Technologies Credit Risk Analyst Interview Questions and Answers

Q1. A lot of questions related to advance financials which mostly CA's are good in
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Q2. Ratios related to underwriting like capital ratio calculation , DSCR ratio calculation.
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Q3. Financial statements like , cassh floe , balance sheet etc related advance questions
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Q1. What's your product in previous organisation
Ans. 
In my previous organization, the product I managed was a range of personal loans tailored to meet the financial needs of individual customers.
• Managed a portfolio of personal loans

• Analyzed creditworthiness of applicants

• Developed strategies to increase loan disbursement

• Collaborated with sales team to drive product awareness
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Q2. What's knowledge of about secured loan vertical
Ans. 
Knowledge of secured loan vertical involves understanding the process of lending money with collateral as security.
• Understanding the concept of collateral and its importance in securing loans

• Knowledge of different types of collateral that can be used in secured loans, such as real estate, vehicles, or investments

• Familiarity with the legal aspects of secured loans, including the rights and responsibilities of both the l...read more
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HR just will discuss just on salary negotiable

Future of digital currency in India

Q1. Didn't go through to this stage
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Q2. Did not go through to this round
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Field work Full information gathered in customer

Q1. Whats about pd and dpds
Ans. 
PD stands for Probability of Default and DPDS stands for Days Past Due Severity.
• PD is a measure of the likelihood that a borrower will default on a loan.

• DPDS measures the severity of delinquency in terms of days past due.

• Both are important factors in assessing credit risk and determining loan terms.

• PD is typically expressed as a percentage, while DPDS is measured in days.

• Lenders use PD and DPDS to make informed decisio
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Q1. Typical HR questions regarding experience and what I am looking for
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Q1. Tell me About yourself
Ans. 
I am an experienced Credit Officer with a strong background in financial analysis and risk assessment.
• I have worked in the banking industry for over 5 years, specializing in credit analysis and loan underwriting.

• I have a deep understanding of financial statements, credit reports, and industry trends.

• I am skilled in evaluating creditworthiness, determining loan terms, and mitigating risks.

• I have successfully managed a p...read more
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Q2. Why you join this co
Ans. 
I joined this company because of its strong reputation in the industry and its commitment to providing excellent financial services.
• The company has a solid track record of success and is highly regarded in the industry.

• I was impressed by the company's commitment to providing excellent financial services and its focus on customer satisfaction.

• The company offers great opportunities for career growth and development.

• I bel...read more
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