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IndusInd Bank
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I applied via Approached by Company and was interviewed in Jul 2024. There was 1 interview round.
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...
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...
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.
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...
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
General Knowledge of Banking, Credit appraisal
Knowledge of CIBIL, Industry, Property, Financials
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
I applied via Referral and was interviewed before Mar 2022. There were 2 interview rounds.
IndusInd Bank interview questions for designations
Get interview-ready with Top IndusInd Bank Interview Questions
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, ...
I applied via Referral and was interviewed before Jan 2022. There were 2 interview rounds.
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I applied via Referral and was interviewed in Dec 2020. There were 3 interview rounds.
I applied via Campus Placement and was interviewed in Apr 2021. There was 1 interview round.
I applied via Recruitment Consultant and was interviewed in Feb 2021. There was 1 interview round.
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...
based on 5 interviews
1 Interview rounds
based on 38 reviews
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