IndusInd Bank Credit Analyst Interview Questions, Process, and Tips

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...read more
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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...read more
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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.
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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...read more
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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
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Q1. Family background
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Q2. Profile updation
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Q1. Asking about financial and ratio
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Q2. TOL/ATNW related to industry
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General Knowledge of Banking, Credit appraisal

Knowledge of CIBIL, Industry, Property, Financials

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
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Q2. What are your expectations?
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