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Kotak Mahindra Bank

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3.8

based on 16k Reviews

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Kotak Mahindra Bank Credit Underwriter Interview Questions and Answers

Updated 19 Jul 2024

Kotak Mahindra Bank Credit Underwriter Interview Experiences

2 interviews found

Credit Underwriter Interview Questions & Answers

user image Anonymous

posted on 19 Oct 2023

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

I applied via Recruitment Consulltant and was interviewed before Oct 2022. There were 2 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 - Behavioral 

(2 Questions)

  • Q1. What is ltv and what is residual incom
  • Ans. 

    LTV stands for Loan-to-Value ratio, which is a financial term used by lenders to assess the risk of a loan. Residual income is the amount of income that remains after all debts and expenses have been paid.

    • LTV is calculated by dividing the loan amount by the appraised value of the property

    • A lower LTV ratio indicates a lower risk for the lender

    • Residual income is the income that an individual has left over after paying al...

    • Answered by AI
    Add your answer
  • Q2. What is foir and inir
  • Ans. 

    FOIR stands for Fixed Obligation to Income Ratio and INIR stands for Internal Rate of Return.

    • FOIR is a ratio used by lenders to assess a borrower's repayment capacity based on their fixed obligations compared to their income.

    • INIR is a financial metric used to calculate the profitability of an investment over time.

    • FOIR is commonly used in the credit underwriting process to determine a borrower's eligibility for a loan.

    • I...

    • Answered by AI
    Add your answer

Credit Underwriter Interview Questions & Answers

user image Anonymous

posted on 19 Jul 2024

Interview experience
5
Excellent
Difficulty level
Moderate
Process Duration
Less than 2 weeks
Result
Selected Selected

I applied via Referral and was interviewed before Jul 2023. There were 2 interview rounds.

Round 1 - Case Study 

Case study related to job profile

Round 2 - Group Discussion 

About previous experience, current job profile,work culture

Credit Underwriter Interview Questions Asked at Other Companies

asked in SitusAMC
Q1. How to calculate Rental Income?
View answers (2)
asked in Oxyzo Financial Services
Q2. Financial ratios and their formulas
View answer (1)
asked in Kotak Mahindra Bank
Q3. What is ltv and what is residual incom
View answer (1)
asked in SBI Cards & Payment Services
Q4. How credit cards works
View answer (1)
asked in Kotak Mahindra Bank
Q5. What is foir and inir
View answer (1)
View All

Top trending discussions

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Interview Tips & Stories
2w
honestword
·
ex -
Oxane Partners
Disappointing Interview Experience with D.E. Shaw
I recently interviewed with D.E. Shaw, and it turned out to be one of the most draining experiences I’ve had. The interviewer’s approach felt unnecessarily harsh and dismissive, which made the entire process uncomfortable. At multiple points, the interviewer asked me to drop off the call, even when I tried asking basic questions about the designation, job description, and other details. After the interview, I found myself sitting there for a few minutes, trying to process what just happened. It left me questioning the overall tone and professionalism of the interview. Definitely not the experience I was expecting from such a well-known firm.
Got a question about Kotak Mahindra Bank?
Ask anonymously on communities.

Interview questions from similar companies

Credit Underwriter Interview Questions & Answers

Bandhan Bank user image Shwetank Saurabh

posted on 29 Nov 2023

Interview experience
5
Excellent
Difficulty level
Hard
Process Duration
Less than 2 weeks
Result
Selected Selected

I applied via Campus Placement and was interviewed before Nov 2022. There were 4 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 - Aptitude Test 

Genral Knowledge about banking sector & Day to Day feeds.

Round 3 - Group Discussion 

Topic will be on recent conflict like that time it was : Impact of Ukraine - Russia war on Indian Economy.

Round 4 - One-on-one 

(1 Question)

  • Q1. Situation base questions were there.
    • Add your answer

Interview Preparation Tips

Interview preparation tips for other job seekers - Don't fill yourself with bookish knowledge groom yourself will practical knowledge what should be done if this situation will occur? Think on this.... And the do gather knowledge related to topics & sector.

Credit Underwriter Interview Questions & Answers

HDFC Bank user image Anonymous

posted on 7 Apr 2023

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

I applied via Referral and was interviewed before Apr 2022. There were 3 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 

Aptitude Test contain basic math , English , psychometric test .

Round 3 - One-on-one 

(2 Questions)

  • Q1. FAMILY BACKGROUND, SITUATION BASED QUESTIONS.
    • Add your answer
  • Q2. Basic Account questions such as Golden rule and Financial Statements
    • Add your answer

Interview Preparation Tips

Interview preparation tips for other job seekers - Be confident and basis account knowledge is required with some situation based questions.

Credit Underwriter Interview Questions & Answers

Jana Small Finance Bank user image Anonymous

posted on 22 Aug 2021

Interview Questionnaire 

1 Question

  • Q1. Normal banking system knowledge based on your experience
    • Add your answer

Credit Underwriter Interview Questions & Answers

Axis Bank user image Anonymous

posted on 8 Feb 2022

I applied via Naukri.com and was interviewed before Feb 2021. There were 3 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 tips
Round 2 - One-on-one 

(1 Question)

  • Q1. Flow of interview round: - Work experience mentioned on CV - Financial ratios, was given one case with relevant data to analyse as to which all ratios need to be looked at, their formulas and how we need t...
  • Ans. Detailed knowledge on key formulas of financial ratios is important
    • Answered Anonymously
    Add your answer
Round 3 - HR 

(5 Questions)

  • Q1. What are your salary expectations?
    • Add your answer
  • Q2. What is your family background?
    • Add your answer
  • Q3. Why are you looking for a change?
    • Add your answer
  • Q4. Where do you see yourself in 5 years?
    • Add your answer
  • Q5. To be associated with bank and see myself as a team leader Reason for change: looking for greater work exposure and added responsibility inorder to grow professionally
    • Add your answer

Interview Preparation Tips

Interview preparation tips for other job seekers - Always be confident
Be prepared on contents of resume
Learn on job profile before hand ( Check on LinkedIn for employees with similar role- their responsibilities, etc.)

Credit Officer Interview Questions & Answers

ICICI Bank user image Anonymous

posted on 15 Nov 2024

Interview experience
5
Excellent
Difficulty level
Easy
Process Duration
Less than 2 weeks
Result
No response

I applied via Referral and was interviewed in Oct 2024. There was 1 interview round.

Round 1 - Technical 

(2 Questions)

  • Q1. Tell me about yourself
    • Add your answer
  • Q2. What are your strengths and weaknesses
    • Add your answer

Interview Preparation Tips

Interview preparation tips for other job seekers - Be confident and clear with your thoughts

Credit Analyst Interview Questions & Answers

IndusInd Bank user image Anonymous

posted on 12 Jan 2025

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?
    • Add your answer
  • Q2. How you determine drawing power?
    • Add your answer
  • Q3. What is DLOD?
    • Add your answer
  • Q4. What is Leverage ratio?
    • Add your answer
  • Q5. Why do you what to switch job?
    • Add your answer

Credit Manager Interview Questions & Answers

Union Bank of India user image Sumit Kumar

posted on 10 Jan 2025

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

Reasoning, quantitative skills, and English language proficiency.

Round 2 - Interview 

(1 Question)

  • Q1. How should one prepare for analyzing financial statements, balance sheets, and assessing limits?
    • Add your answer

Credit Manager Interview Questions & Answers

IDFC FIRST Bank user image Anonymous

posted on 17 Oct 2024

Interview experience
3
Average
Difficulty level
Moderate
Process Duration
Less than 2 weeks
Result
Selected Selected

I applied via Walk-in and was interviewed in Apr 2024. There was 1 interview round.

Round 1 - One-on-one 

(4 Questions)

  • Q1. Self introduction
    • Add your answer
  • Q2. About Previous job
    • Add your answer
  • Q3. Job change reason
  • Ans. 

    Seeking new challenges and growth opportunities in a larger organization.

    • Desire for career advancement

    • Looking for new challenges

    • Seeking growth opportunities

    • Interested in larger organization with more resources

    • Answered by AI
    Add your answer
  • Q4. Policy polrocess related
    • Add your answer

Interview Preparation Tips

Interview preparation tips for other job seekers - Interview point of view it was a good experience, you can join this bank, no issue with salary, holidays etc. From company there is no fault but you are lucky if you get good manager. Some managers are really bad.
More about working at Kotak Mahindra Bank
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#23 Best Mega Company - 2022

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Kotak Mahindra Bank Interview FAQs

How many rounds are there in Kotak Mahindra Bank Credit Underwriter interview?
Kotak Mahindra Bank interview process usually has 2 rounds. The most common rounds in the Kotak Mahindra Bank interview process are Resume Shortlist, Behavioral and Case Study.
How to prepare for Kotak Mahindra Bank Credit Underwriter 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 Kotak Mahindra Bank. The most common topics and skills that interviewers at Kotak Mahindra Bank expect are Credit Analysis, Credit Cards, Credit Underwriting and Underwriting.
What are the top questions asked in Kotak Mahindra Bank Credit Underwriter interview?

Some of the top questions asked at the Kotak Mahindra Bank Credit Underwriter interview -

  1. What is ltv and what is residual in...read more
  2. What is foir and i...read more

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Kotak Mahindra Bank Interviews By Designations

Interview Questions for Popular Designations

People are getting interviews through

based on 2 Kotak Mahindra Bank interviews
Referral
50%
50% candidates got the interview through other sources.
Moderate Confidence
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Moderate Confidence means the data is based on a sufficient number of responses received from the candidates

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Kotak Mahindra Bank Credit Underwriter Salary
based on 32 salaries
₹1.8 L/yr - ₹8.4 L/yr
19% less than the average Credit Underwriter Salary in India
View more details

Kotak Mahindra Bank Credit Underwriter Reviews and Ratings

based on 3 reviews

5.0/5

Rating in categories

4.4

Skill development

5.0

Work-Life balance

4.4

Salary & Benefits

5.0

Job Security

5.0

Company culture

4.4

Promotions/Appraisal

5.0

Work Satisfaction

Explore 3 Reviews and Ratings
Kotak Mahindra Bank Salaries in India
Assistant Manager
12.7k salaries
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₹1.1 L/yr - ₹5 L/yr

Deputy Manager
11.3k salaries
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₹1.6 L/yr - ₹8 L/yr

Manager
5.3k salaries
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₹4 L/yr - ₹12 L/yr

Senior Manager
3.5k salaries
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₹6.5 L/yr - ₹19.1 L/yr

Relationship Manager
2.3k salaries
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₹1.6 L/yr - ₹10 L/yr

Explore more salaries
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