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IndusInd Bank Credit Analyst Interview Questions, Process, and Tips

Updated 12 Jan 2025

Top IndusInd Bank Credit Analyst Interview Questions and Answers

View all 6 questions

IndusInd Bank Credit Analyst Interview Experiences

7 interviews found

Interview experience
4
Good
Difficulty level
Moderate
Process Duration
Less than 2 weeks
Result
Selected Selected

I applied via Approached by Company and was interviewed in Jul 2024. There was 1 interview round.

Round 1 - One-on-one 

(5 Questions)

  • Q1. What is the difference between OD and VC?
  • Ans. 

    OD stands for Overdraft while VC stands for Venture Capital.

    • OD is a type of credit facility provided by banks to customers where they can withdraw more money than they have in their account, up to a certain limit.

    • VC is a form of financing provided to early-stage companies that have the potential for high growth in exchange for equity ownership.

    • OD is typically short-term and used for managing cash flow fluctuations, whi...

  • Answered by AI
  • Q2. How you determine drawing power?
  • Ans. 

    Drawing power is determined by assessing the borrower's ability to access funds from their credit line.

    • Evaluate the borrower's current outstanding balance on their credit line.

    • Consider the borrower's credit limit and any restrictions on the line of credit.

    • Assess the borrower's repayment history and creditworthiness.

    • Calculate the difference between the credit limit and the outstanding balance to determine the drawing po...

  • Answered by AI
  • Q3. What is DLOD?
  • Ans. 

    DLOD stands for Days Late on Delivery, a metric used to measure the number of days a delivery is late.

    • DLOD is calculated by subtracting the actual delivery date from the scheduled delivery date.

    • It helps assess the efficiency of a company's supply chain and logistics operations.

    • For example, if a shipment was scheduled to be delivered on January 15th but arrived on January 20th, the DLOD would be 5 days.

  • Answered by AI
  • Q4. What is Leverage ratio?
  • Ans. 

    Leverage ratio is a financial metric that measures the proportion of a company's debt to its equity.

    • Leverage ratio is calculated by dividing total debt by total equity.

    • It indicates the level of financial risk a company is taking by using debt to finance its operations.

    • A high leverage ratio means a company has more debt relative to equity, which can be risky in times of economic downturn.

    • A low leverage ratio indicates a...

  • Answered by AI
  • Q5. Why do you what to switch job?
  • Ans. 

    Seeking new challenges and growth opportunities in a more dynamic environment.

    • Looking for new challenges and opportunities for growth

    • Interested in a more dynamic work environment

    • Seeking to expand my skill set and knowledge in credit analysis

  • Answered by AI

Credit Analyst Interview Questions & Answers

user image Siddesh Goregaonkar

posted on 25 May 2024

Interview experience
4
Good
Difficulty level
-
Process Duration
-
Result
-
Round 1 - Technical 

(2 Questions)

  • Q1. Asking about financial and ratio
  • Q2. TOL/ATNW related to industry

Credit Analyst Interview Questions Asked at Other Companies

asked in Axis Bank
Q1. 1. what is minimum permissible banking finance 2. what do you kno ... read more
Q2. Importance of EBITDA and FCF. How to derive FCF from EBITDA?
Q3. How you check the repayment capacity of applicant?
Q4. What is the difference between Hypothecation and pledge?
Q5. What is correlation between balance sheet and profit and loss acc ... read more
Interview experience
4
Good
Difficulty level
-
Process Duration
-
Result
-
Round 1 - Aptitude Test 

General Knowledge of Banking, Credit appraisal

Round 2 - Case Study 

Knowledge of CIBIL, Industry, Property, Financials

Round 3 - HR 

(2 Questions)

  • Q1. What is current CTC?
  • Ans. 

    Current CTC refers to the total amount of money an individual is currently earning from their job.

    • Current CTC includes salary, bonuses, incentives, and any other monetary benefits received from the employer.

    • It does not include non-monetary benefits like health insurance or retirement contributions.

    • For example, if the candidate's current CTC is $60,000 per year, it means they are currently earning that amount before tax

  • Answered by AI
  • Q2. What are your expectations?

Interview Preparation Tips

Interview preparation tips for other job seekers - Candidates should have
(1) Field related knowledge
(2) Communication Skills
(3) Knowledge of the company
(4) Positive Attitude
(5) Dressing sense
Interview experience
5
Excellent
Difficulty level
Moderate
Process Duration
Less than 2 weeks
Result
Selected Selected

I applied via Referral and was interviewed before Mar 2022. There were 2 interview rounds.

Round 1 - Resume Shortlist 
Pro Tip by AmbitionBox:
Properly align and format text in your resume. A recruiter will have to spend more time reading poorly aligned text, leading to high chances of rejection.
View all Resume tips
Round 2 - Behavioral 

(2 Questions)

  • Q1. About financials points required to check the eligibility to avail the CC /OD Facilities to any customer
  • Q2. About personal things like qualifications, family members etc

Interview Preparation Tips

Topics to prepare for IndusInd Bank Credit Analyst interview:
  • Financial Analysis
Interview preparation tips for other job seekers - My interviewer was the amazing person. He says directly on the spot. And company culture is also good

IndusInd Bank interview questions for designations

 Credit Risk Analyst

 (1)

 Senior Credit Analyst

 (1)

 Credit Manager

 (2)

 Credit Verification Officer

 (2)

 Branch Credit Manager

 (1)

 Area Credit Manager

 (1)

 KYC Analyst

 (1)

 AML Analyst

 (1)

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 - HR 

(8 Questions)

  • Q1. What are your salary expectations?
  • Q2. What is your family background?
  • Q3. Share details of your previous job.
  • Q4. Why should we hire you?
  • Q5. Why are you looking for a change?
  • Q6. Where do you see yourself in 5 years?
  • Q7. What are your strengths and weaknesses?
  • Q8. Tell me about yourself.

Interview Preparation Tips

Interview preparation tips for other job seekers - Do consistently trying, one day definitely you win

Get interview-ready with Top IndusInd Bank Interview Questions

Round 1 - One-on-one 

(1 Question)

  • Q1. Basic credit assessment process
  • Ans. 

    The basic credit assessment process involves gathering information, analyzing financial statements, and assigning a credit rating.

    • Gather information about the borrower's financial history and current financial situation

    • Analyze financial statements to assess the borrower's ability to repay the loan

    • Assign a credit rating based on the borrower's creditworthiness

    • Consider factors such as credit score, debt-to-income ratio, ...

  • Answered by AI

Interview Preparation Tips

Interview preparation tips for other job seekers - Na na na na na na na na na na na

Credit Analyst Interview Questions & Answers

user image Sathish Kumar.S.R

posted on 26 Jan 2023

Interview experience
3
Average
Difficulty level
Easy
Process Duration
2-4 weeks
Result
Selected Selected

I applied via Referral and was interviewed before Jan 2022. There were 2 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.
View all Resume tips
Round 2 - One-on-one 

(2 Questions)

  • Q1. Tell me about yourself
  • Q2. Previous work experience

Interview Preparation Tips

Interview preparation tips for other job seekers - Groom neatly, Be brave and tell them what they ask.

Interview questions from similar companies

I applied via Referral and was interviewed in Dec 2020. There were 3 interview rounds.

Interview Questionnaire 

1 Question

  • Q1. Technical part of your related profile like in my case they asked me how you’ll fund a salary employee and similar question related to business

Interview Preparation Tips

Interview preparation tips for other job seekers - Just be yourself and answer whatever you know and be confident

I applied via Campus Placement and was interviewed in Apr 2021. There was 1 interview round.

Interview Questionnaire 

2 Questions

  • Q1. Ratios, and financial related question
  • Q2. Cirrent ratio, turnover ratio

Interview Preparation Tips

Interview preparation tips for other job seekers - Be confident. Learn all the ratio. Properly introduce yourself

I applied via Recruitment Consultant and was interviewed in Feb 2021. There was 1 interview round.

Interview Questionnaire 

2 Questions

  • Q1. Sales of the customers I was dealing with and their installed capacity
  • Ans. 

    I would gather sales data and installed capacity information of the customers to analyze their creditworthiness.

    • I would request sales data from the customers to understand their revenue generation.

    • I would also gather information on their installed capacity to assess their production capabilities.

    • This data would help me determine their creditworthiness and ability to repay loans.

    • For example, if a customer has high sales...

  • Answered by AI
  • Q2. How many proposals do I make in a month

Interview Preparation Tips

Interview preparation tips for other job seekers - Read about your existing clients in detail
Contribute & help others!
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IndusInd Bank Interview FAQs

How many rounds are there in IndusInd Bank Credit Analyst interview?
IndusInd Bank interview process usually has 1-2 rounds. The most common rounds in the IndusInd Bank interview process are Resume Shortlist, One-on-one Round and HR.
How to prepare for IndusInd Bank Credit Analyst interview?
Go through your CV in detail and study all the technologies mentioned in your CV. Prepare at least two technologies or languages in depth if you are appearing for a technical interview at IndusInd Bank. The most common topics and skills that interviewers at IndusInd Bank expect are Credit Analysis, Credit Appraisal, Banking, Credit Risk and Finance.
What are the top questions asked in IndusInd Bank Credit Analyst interview?

Some of the top questions asked at the IndusInd Bank Credit Analyst interview -

  1. What is the difference between OD and ...read more
  2. How you determine drawing pow...read more
  3. What is Leverage rat...read more

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IndusInd Bank Credit Analyst Interview Process

based on 5 interviews

1 Interview rounds

  • Resume Shortlist Round
View more
IndusInd Bank Credit Analyst Salary
based on 321 salaries
₹4 L/yr - ₹16.1 L/yr
12% more than the average Credit Analyst Salary in India
View more details

IndusInd Bank Credit Analyst Reviews and Ratings

based on 38 reviews

3.3/5

Rating in categories

3.1

Skill development

3.5

Work-life balance

2.9

Salary

3.8

Job security

3.2

Company culture

2.8

Promotions

3.2

Work satisfaction

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