Upload Button Icon Add office photos
Premium Employer

i

This company page is being actively managed by IndusInd Bank Team. If you also belong to the team, you can get access from here

IndusInd Bank Verified Tick

Compare button icon Compare button icon Compare

Filter interviews by

IndusInd Bank Credit Risk Analyst Interview Questions and Answers

Updated 17 Jan 2021

IndusInd Bank Credit Risk Analyst Interview Experiences

1 interview found

I applied via Referral and was interviewed before Jan 2020. There was 1 interview round.

Interview Questionnaire 

3 Questions

  • Q1. Technical questions like: how do you see in any profile to check the business viability and borrower's credit worth?
  • Q2. Update on short term and long term solvency ratio?
  • Ans. 

    Solvency ratio measures a company's ability to meet its debt obligations. Short term ratio focuses on current assets and liabilities, while long term ratio considers long term debt.

    • Short term solvency ratio is also known as the current ratio

    • It measures a company's ability to pay off its short term debts with its current assets

    • Formula: Current assets / Current liabilities

    • Long term solvency ratio is also known as the deb...

  • Answered by AI
  • Q3. Brief profile and back ground of candidate to check his commend on language.

Interview Preparation Tips

Interview preparation tips for other job seekers - Always use one language as a mode of communication and be vocal but sensible too.

Interview questions from similar companies

I applied via Campus Placement and was interviewed before May 2020. There were 3 interview rounds.

Interview Questionnaire 

2 Questions

  • Q1. Financial Analysis , Ratio Analysis, CMA Data , CIBIL etc
  • Q2. Why you want to join us ?

Interview Preparation Tips

Interview preparation tips for other job seekers - Be confident while interview .
candidate should be conceptual clear on respective topic, updated regarding current economic affairs, RBI guidelines, MSME sector etc

I applied via Referral and was interviewed before May 2020. There were 3 interview rounds.

Interview Questionnaire 

2 Questions

  • Q1. Ratio analysis
  • Q2. CIBIL, MPBF, BG

Interview Preparation Tips

Interview preparation tips for other job seekers - Overall good

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

Interview Questionnaire 

15 Questions

  • Q1. Tell me about yourself
  • Q2. How would you perform outlier analysis- detection and treatment?
  • Ans. 

    Outlier analysis involves identifying and treating data points that are significantly different from the rest.

    • Identify outliers using statistical methods such as box plots, scatter plots, and z-scores.

    • Determine the cause of the outlier and decide whether to remove it or keep it in the dataset.

    • Consider the impact of outliers on the analysis and adjust the model accordingly.

    • Use techniques such as winsorization or data tr...

  • Answered by AI
  • Q3. How would you impute missing value when we don't ant to use single value for imputation?
  • Ans. 

    Multiple imputation can be used to impute missing values by creating multiple datasets with imputed values.

    • Use multiple imputation to create multiple datasets with imputed values

    • Combine the results from the multiple datasets to obtain a final imputed dataset

    • Consider using predictive models to impute missing values

    • Evaluate the quality of imputation using metrics such as mean squared error or R-squared

  • Answered by AI
  • Q4. How would you perform variable selection before modelling/ multicollinearity?
  • Ans. 

    Variable selection can be done using techniques like correlation matrix, stepwise regression, and principal component analysis.

    • Check for correlation between variables using correlation matrix

    • Use stepwise regression to select variables based on their significance

    • Perform principal component analysis to identify important variables

    • Check for multicollinearity using variance inflation factor (VIF)

    • Consider domain knowledge a...

  • Answered by AI
  • Q5. How would you test variable importance
  • Ans. 

    Variable importance can be tested using various methods such as permutation importance, drop column importance, and SHAP values.

    • Permutation importance involves randomly shuffling the values of a variable and measuring the decrease in model performance.

    • Drop column importance involves removing a variable from the model and measuring the decrease in model performance.

    • SHAP values provide a measure of the contribution of ea...

  • Answered by AI
  • Q6. What is Logistic Regression and when do we use it?
  • Ans. 

    Logistic Regression is a statistical method used to analyze and model the relationship between a binary dependent variable and one or more independent variables.

    • It is used when the dependent variable is binary (0 or 1).

    • It estimates the probability of an event occurring based on the values of the independent variables.

    • It is commonly used in credit risk analysis to predict the likelihood of default.

    • It can also be used in...

  • Answered by AI
  • Q7. How would you test model performance of classification models?
  • Ans. 

    Model performance of classification models can be tested using various metrics.

    • Use confusion matrix to calculate accuracy, precision, recall, and F1 score.

    • ROC curve and AUC can be used to evaluate model's ability to distinguish between positive and negative classes.

    • Cross-validation can be used to test model's performance on different subsets of data.

    • Use lift charts to compare model's performance with random selection.

    • U...

  • Answered by AI
  • Q8. What is Loss function in Logistic Regression?
  • Ans. 

    Loss function in Logistic Regression measures the difference between predicted and actual values.

    • It is used to optimize the model parameters during training.

    • The most common loss function used in logistic regression is the binary cross-entropy loss.

    • The goal is to minimize the loss function to improve the accuracy of the model.

    • The loss function is calculated using the predicted probabilities and the actual labels.

    • Other l...

  • Answered by AI
  • Q9. What is Xgboost? How it is different from Random Forest?
  • Ans. 

    Xgboost is a gradient boosting algorithm used for classification and regression tasks. It is faster and more accurate than Random Forest.

    • Xgboost stands for Extreme Gradient Boosting

    • It is a type of gradient boosting algorithm that uses decision trees

    • It is faster and more accurate than Random Forest

    • Xgboost uses a more regularized model formalization to control overfitting

    • Random Forest builds multiple decision trees and c...

  • Answered by AI
  • Q10. What loss function is used in Xgboost?
  • Ans. 

    The loss function used in Xgboost is customizable and can be specified by the user.

    • Xgboost supports various loss functions such as binary logistic regression, multi-class classification, and regression.

    • The default loss function for binary classification is logistic regression while for regression it is mean squared error.

    • Users can specify their own loss function by defining a custom objective and evaluation function.

    • Th...

  • Answered by AI
  • Q11. What are the parameters in Xgboost?
  • Ans. 

    Xgboost parameters include learning rate, max depth, subsample, colsample by tree, and more.

    • Learning rate controls the step size during training.

    • Max depth limits the depth of each tree.

    • Subsample controls the fraction of observations to be randomly sampled for each tree.

    • Colsample by tree controls the fraction of features to be randomly sampled for each tree.

    • Other parameters include min child weight, gamma, and lambda fo

  • Answered by AI
  • Q12. What is the use of Learning rate in Xgboost?
  • Ans. 

    Learning rate controls the step size at each boosting iteration in Xgboost.

    • Learning rate is a hyperparameter that determines the contribution of each tree in the final output.

    • A smaller learning rate requires more trees to be added to the model, but can lead to better performance.

    • A larger learning rate can speed up the training process, but may result in overfitting.

    • Typical values for learning rate range from 0.01 to 0....

  • Answered by AI
  • Q13. How would you measure relationship between two features?
  • Ans. 

    The relationship between two features can be measured using correlation coefficient.

    • Calculate the correlation coefficient using statistical methods.

    • Correlation coefficient ranges from -1 to 1.

    • A positive correlation indicates a direct relationship between the features.

    • A negative correlation indicates an inverse relationship between the features.

    • A correlation coefficient of 0 indicates no relationship between the feature

  • Answered by AI
  • Q14. What is p value and what it's interpretation?
  • Ans. 

    P value is the probability of obtaining a result as extreme or more extreme than the observed result, assuming the null hypothesis is true.

    • P value is used in hypothesis testing to determine the significance of a result.

    • A small p value (less than 0.05) indicates strong evidence against the null hypothesis.

    • A large p value (greater than 0.05) indicates weak evidence against the null hypothesis.

    • P value should not be used a...

  • Answered by AI
  • Q15. Given a 4 coordinates, write a memory efficient program to check if it's forming a square
  • Ans. 

    Program to check if 4 coordinates form a square

    • Calculate distance between all pairs of points

    • Check if all distances are equal

    • Check if diagonals are equal

    • Use Pythagorean theorem to calculate distance

  • Answered by AI

Interview Preparation Tips

Interview preparation tips for other job seekers - The questions were mostly around Classification and decision trees model as the role requires knowledge of classification model and also I worked on these topics. they asked questions to check understanding of basic concepts of these analytics techniques and models. There were some case study also related to programming.

Skills evaluated in this interview

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

I appeared for an interview before Apr 2023.

Round 1 - Aptitude Test 

Basic Finance questions were there from variety of topicsj

Round 2 - Technical 

(1 Question)

  • Q1. Questions related to derivative
Round 3 - Technical 

(1 Question)

  • Q1. Option greeks, vega profile
Interview experience
4
Good
Difficulty level
-
Process Duration
-
Result
-

I applied via Campus Placement and was interviewed in Sep 2023. There were 4 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 tips
Round 2 - Aptitude Test 

It was a psychometric , value based and coding test

Round 3 - Aptitude Test 

It was a valued behaviour assessment

Round 4 - Coding Test 

It has technical questions

Interview experience
4
Good
Difficulty level
Moderate
Process Duration
Less than 2 weeks
Result
No response

I applied via Recruitment Consulltant and was interviewed in Jun 2023. There were 3 interview rounds.

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 tips
Round 2 - One-on-one 

(1 Question)

  • Q1. How to calculate EAD & PD?
  • Ans. 

    EAD is calculated using the formula EAD = Exposure at Default = PD x LGD x EAD

    • Calculate Probability of Default (PD) based on historical data and credit rating

    • Determine Loss Given Default (LGD) based on collateral or recovery rate

    • Use the formula EAD = PD x LGD x EAD to calculate Exposure at Default

  • Answered by AI
Round 3 - One-on-one 

(1 Question)

  • Q1. Difference between counterparty and credit risk?
  • Ans. 

    Counterparty risk is the risk of default by a party in a financial transaction, while credit risk is the risk of loss due to a borrower's failure to repay a loan.

    • Counterparty risk is specific to financial transactions involving parties such as banks, brokers, or counterparties in derivatives contracts.

    • Credit risk is more general and refers to the risk of loss due to a borrower's failure to repay a loan or meet other fi...

  • Answered by AI

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

Interview Questionnaire 

3 Questions

  • Q1. Why you want to join bank?
  • Q2. What you was doing between completion of articleship to clearing your final exam?
  • Q3. Family background and blood relation already in bank?
Interview experience
4
Good
Difficulty level
-
Process Duration
-
Result
-
Round 1 - One-on-one 

(1 Question)

  • Q1. In which type of industry you had your articleship experience

I applied via Company Website and was interviewed in Mar 2018. There were 4 interview rounds.

Interview Preparation Tips

General Tips: I am mohd zaffer with three year computer diploma three year work experience in computer center lam interested for this bank job sir you gave me opportunity for this job
Skills: Computer Networking

IndusInd Bank Interview FAQs

What are the top questions asked in IndusInd Bank Credit Risk Analyst interview?

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

  1. Update on short term and long term solvency rat...read more
  2. Technical questions like: how do you see in any profile to check the business v...read more

Tell us how to improve this page.

IndusInd Bank Credit Risk Analyst Salary
based on 16 salaries
₹4.7 L/yr - ₹18.6 L/yr
13% less than the average Credit Risk Analyst Salary in India
View more details

IndusInd Bank Credit Risk Analyst Reviews and Ratings

based on 4 reviews

3.5/5

Rating in categories

3.6

Skill development

4.1

Work-life balance

2.6

Salary

4.5

Job security

3.1

Company culture

2.6

Promotions

4.1

Work satisfaction

Explore 4 Reviews and Ratings
Deputy Manager
3.6k salaries
unlock blur

₹1.7 L/yr - ₹8.5 L/yr

Assistant Manager
2.3k salaries
unlock blur

₹1.5 L/yr - ₹6.3 L/yr

Manager
2k salaries
unlock blur

₹2.6 L/yr - ₹11.6 L/yr

Business Development Manager
1.9k salaries
unlock blur

₹1.7 L/yr - ₹5.5 L/yr

Service Delivery Manager
1.6k salaries
unlock blur

₹1.9 L/yr - ₹6.3 L/yr

Explore more salaries
Compare IndusInd Bank with

ICICI Bank

4.0
Compare

Axis Bank

3.8
Compare

AU Small Finance Bank

4.2
Compare

IDFC FIRST Bank

3.9
Compare
Did you find this page helpful?
Yes No
write
Share an Interview