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Morgan Stanley Credit Risk Analyst Interview Questions and Answers

Updated 6 Aug 2024

Morgan Stanley Credit Risk Analyst Interview Experiences

2 interviews found

Interview experience
4
Good
Difficulty level
-
Process Duration
-
Result
-
Round 1 - One-on-one 

(2 Questions)

  • Q1. Tell me about yourself?
  • Ans. 

    I am a detail-oriented Credit Risk Analyst with a strong background in financial analysis and risk assessment.

    • I have a Bachelor's degree in Finance and several years of experience in the banking industry.

    • I am skilled in analyzing credit reports, assessing financial statements, and identifying potential risks.

    • I have a proven track record of making sound credit decisions and implementing risk mitigation strategies.

    • I am p...

  • Answered by AI
  • Q2. Tell me about different classes of assets
  • Ans. 

    Different classes of assets include fixed assets, current assets, intangible assets, and financial assets.

    • Fixed assets: Tangible assets like property, plant, and equipment

    • Current assets: Liquid assets like cash, accounts receivable, and inventory

    • Intangible assets: Non-physical assets like patents, trademarks, and goodwill

    • Financial assets: Investments like stocks, bonds, and derivatives

  • Answered by AI
Interview experience
5
Excellent
Difficulty level
Moderate
Process Duration
Less than 2 weeks
Result
Selected Selected

I applied via Campus Placement and was interviewed before May 2022. 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. If you are asked for advise whether to set a telecom plant in a rural area, on what parameters will you give your judgement
  • Ans. Literacy rate of that villages, population demographics, how many people use mobiles, competitor presence, etc
  • Answered Anonymously
Round 3 - One-on-one 

(2 Questions)

  • Q1. About previous job role
  • Q2. Key contributions in earlier job
  • Ans. 

    Developed and implemented credit risk models to improve loan portfolio quality.

    • Developed and implemented credit risk models to assess the creditworthiness of borrowers.

    • Conducted data analysis to identify trends and patterns in loan performance.

    • Collaborated with cross-functional teams to develop risk management strategies.

    • Provided recommendations to senior management on credit risk policies and procedures.

    • Improved loan ...

  • Answered by AI

Interview Preparation Tips

Interview preparation tips for other job seekers - Prepare according to job description

Credit Risk Analyst Interview Questions Asked at Other Companies

Q1. How would you impute missing value when we don't ant to use singl ... read more
Q2. How would you perform outlier analysis- detection and treatment?
Q3. what all things you check before providing loan for a customer
Q4. How would you perform variable selection before modelling/ multic ... read more
asked in HDFC Bank
Q5. How do you assess credit worthiness

Interview questions from similar companies

Interview Preparation Tips

Round: Group Discussion
Experience: There was a GD based on a case study.

Round: technical interview
Experience: The interview was based mainly on resume. They asked one question on Econometrics and one question on Microeconomics apart from the resume description. From resume they asked mainly about the projects and internships. Overall it was a great experience for a first job interview.

General Tips: Do’s and Don’ts :
1. Take 4-5 printouts of your resume before going for interview. Have a notepad and a pen with you in a folder along with the resume prints.
2. Don’t be frustrated. Always remember that there is a company meant for you. Now, it is possible that it may come on day 1 or day 7 or even later. Always keep faith and believe in yourself.
3. If you are placed and some of your friends are still in the process, support them and do help them in preparation. Moral support is very important in tough times. Don’t go home immediately once you are placed but stay here for a few extra days. This would mean a lot to them.
4. Sleep well during the placement season. You should sleep for at least 5-6 hours.
College Name: IIT Kanpur
Interview experience
4
Good
Difficulty level
Moderate
Process Duration
Less than 2 weeks
Result
Selected Selected

I was interviewed 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
5
Excellent
Difficulty level
Moderate
Process Duration
Less than 2 weeks
Result
Selected Selected

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

Round 1 - Technical 

(1 Question)

  • Q1. What is the business model of Amex? (open loop vs close loop)
  • Ans. 

    Amex operates on an open loop business model.

    • Amex operates as a payment network that partners with various merchants and banks to process transactions.

    • Open loop systems allow for transactions to be made at a wide range of merchants, both online and offline.

    • Examples of open loop systems include Visa, Mastercard, and Discover.

  • Answered by AI
Round 2 - Technical 

(1 Question)

  • Q1. Why Amex? Why should I make you an offer now? Airline fraud risk - what factors would you look at?
Interview experience
5
Excellent
Difficulty level
Moderate
Process Duration
Less than 2 weeks
Result
Selected Selected

I applied via Recruitment Consulltant and was interviewed before Feb 2022. 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 - HR 

(1 Question)

  • Q1. General questions about current role and CTC
Round 3 - One-on-one 

(1 Question)

  • Q1. What is your typical day at office?
  • Ans. 

    As a Credit Risk Analyst, my typical day at the office involves analyzing financial data, assessing creditworthiness, and making recommendations to minimize credit risk.

    • Reviewing and analyzing financial statements and credit reports

    • Assessing the creditworthiness of individuals and businesses

    • Evaluating loan applications and determining appropriate credit limits

    • Monitoring and managing existing credit exposures

    • Identifying...

  • Answered by AI

Interview Preparation Tips

Interview preparation tips for other job seekers - Read the JD thoroughly.
It is important to highlight the matching aspects of your current role with the JD. This shows your experience as well as preparedness for the interview.

Be ready for counter questions.
Interview experience
1
Bad
Difficulty level
Moderate
Process Duration
4-6 weeks
Result
No response

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

Round 1 - One-on-one 

(2 Questions)

  • Q1. Introduction about yourself
  • Q2. Some technical questions

Interview Preparation Tips

Interview preparation tips for other job seekers - I had interview for credit risk role, Interviewer was some pilani and Ramesh from Bangalore, they had literally no idea of process, poor English, they had come up with few questions and expected candidates to answer as per there written Google answers which is worst.
Wells Fargo has been so worst in recent days, they offer manager and lead roles just based on experience internally with Zero subject knowledge and no proper English.

And I felt, I have wasted my valuable time for an interview

Interview Questionnaire 

11 Questions

  • Q1. Put in +,-,*,/ between the digits 3,3,8,8 (in any order ) such that the result was 24
  • Q2. If an ant had to travel along the walls, what is the minimum distance between the opposite ends of a cuboid?
  • Ans. 

    The minimum distance between opposite ends of a cuboid is the length of the diagonal of the cuboid.

    • To find the diagonal, use the Pythagorean theorem: diagonal = sqrt(length^2 + width^2 + height^2)

    • The length, width, and height of the cuboid must be known to calculate the diagonal

    • The ant can travel along any of the three pairs of opposite walls, so the minimum distance is the shortest diagonal

    • Example: A cuboid with lengt...

  • Answered by AI
  • Q3. Why do you wish to work in the finance sector?
  • Ans. 

    I wish to work in the finance sector because of my interest in financial markets and my desire to help individuals and businesses make informed financial decisions.

    • I have a strong passion for finance and economics

    • I enjoy analyzing financial data and making informed decisions

    • I want to help individuals and businesses make informed financial decisions

    • I am interested in the constantly evolving financial markets

    • I believe th...

  • Answered by AI
  • Q4. Why Deutsche Bank?
  • Ans. 

    Deutsche Bank is a leading global investment bank with a strong reputation and diverse range of services.

    • Deutsche Bank has a strong reputation in the industry

    • It offers a diverse range of services including investment banking, wealth management, and retail banking

    • The bank has a global presence with operations in over 70 countries

    • Deutsche Bank has a commitment to sustainability and social responsibility

    • It has a strong fo

  • Answered by AI
  • Q5. Why should we hire you?
  • Ans. 

    I have the skills, experience, and passion to excel in this role.

    • I have a proven track record of success in similar roles.

    • I possess the necessary technical skills and knowledge.

    • I am a quick learner and adaptable to new situations.

    • I am a team player and can work collaboratively with others.

    • I am passionate about this industry and eager to contribute to its growth.

  • Answered by AI
  • Q6. What is your biggest repent and failure in IIT Kanpur?
  • Ans. 

    My biggest regret in IIT Kanpur was not taking advantage of all the opportunities available.

    • I wish I had participated in more extracurricular activities.

    • I regret not networking with more professors and alumni.

    • I failed to prioritize my time effectively and missed out on valuable experiences.

    • I wish I had taken more challenging courses and pushed myself academically.

    • I failed to seek help when I struggled with certain subj...

  • Answered by AI
  • Q7. What has been the best moment of yours in IITK?
  • Ans. 

    Winning the inter-hostel sports championship in my final year.

    • Being a part of the hostel sports team for four years.

    • Training hard and strategizing with the team to improve our performance.

    • Winning the championship after a tough competition with other hostels.

    • Celebrating with my teammates and hostel mates after the victory.

  • Answered by AI
  • Q8. Explain about your intern paper?
  • Ans. 

    My intern paper was about the impact of social media on mental health.

    • Researched the effects of social media on mental health

    • Analyzed data from surveys and studies

    • Discussed potential solutions to mitigate negative effects

    • Presented findings to team and received positive feedback

  • Answered by AI
  • Q9. Rank the Bonds, CDS and Loans in order of the interest rates they offered?
  • Ans. 

    Ranking of interest rates offered by Bonds, CDS and Loans.

    • CDS usually offer the highest interest rates due to their higher risk

    • Bonds offer lower interest rates than CDS but are less risky

    • Loans typically offer the lowest interest rates as they are secured by collateral

    • Interest rates can vary depending on the issuer's creditworthiness and market conditions

  • Answered by AI
  • Q10. Tell about three important things that were currently happening in the world of Business
  • Ans. 

    1. Digital transformation 2. E-commerce boom 3. Sustainability and social responsibility

    • Companies are investing heavily in digital transformation to stay competitive

    • E-commerce sales have skyrocketed due to the pandemic and changing consumer behavior

    • Businesses are increasingly focusing on sustainability and social responsibility to meet consumer demands and reduce their environmental impact

  • Answered by AI
  • Q11. Explain Fiscal Cliff, Euro-Debt Crisis and the Palestine war
  • Ans. 

    Fiscal Cliff is a term used to describe a combination of tax increases and spending cuts. Euro-Debt Crisis refers to the financial crisis faced by some European countries. Palestine war is a conflict between Israel and Palestine.

    • Fiscal Cliff: Combination of tax increases and spending cuts in the US

    • Euro-Debt Crisis: Financial crisis faced by some European countries like Greece, Spain, and Portugal

    • Palestine war: Conflict...

  • Answered by AI

Interview Preparation Tips

Round: Resume Shortlist
Experience: This year we had a resume based shortlisting across all IITs. There were around 35 students who were shortlisted form IITK. But, most probably DB would be continuing with its aptitude test based shortlisting, like the previous years (they ask around 25 aptitude questions, and 1 essay on some current topic).
Tips: DB resorts to resume based shortlisting again, they give a tremendous weight age to your CPI , any background in finance (intern in financial firms or on some related topic, so you see a lot of ECO and Maths Students being shortlisted.) Also, they look at the overall profile as well, but the above 2 factors were the most important this year. A comprehensive study of any of the CAT Maths material of CL or Time will suffice your preparations : focus more on how fast you can solve a problem.

Round: Technical Interview
Experience: 1.This was a mixed interview of both HR and Technical.
2. It lasted for 30 minutes. I entered the room and was greeted by 3 people, shook my hands with all of them.
3. They asked me if I was hungry or not, I told them that I was thirsty rather and they offered me a Tropicana. (The reason I am citing this is, after my selection, in the night Mr. Nishant told me that this had set up the tone in the room, because the earlier 4 candidates whom they interviewed were too shy and refused to have anything, they judged it as my confidence rather, though it was never an intended one).
4. I was asked about how many companies I was interviewing in slot 1, and they seemed to be impressed on hearing the number 7.
5. They asked me what my preference order was, and I told them the truth that I would definitely interview with DB, Credit Suisse and Worldquant, and if time permits maybe with BCG or Opera.
6. Then they asked me to give a brief introduction, and asked me to stop when I was talking about my intern at Morgan Stanley and the paper I published over there. Mr. Nishant asked me if I was offered a PPO by them, and I told them the truth about my mentor not finding any position for me. He gave a sarcastic remark at MS, that going by the markets, its evident that they are not in a good shape now, and all I did was smile.
7. I was asked that if I got an offer from Morgan in my 8th sem, would I go. I told them, that if I got into DB/WQ/Credit Suisse/BCG , then definitely no, o/w yes. The reason I cited was that, inspite of all the money, I had to go through the entire placement procedure which in itself was a big pain, then an offer after that doesn’t help, they could have given it earlier. All three of them laughed and I seemed to have convinced them. I was asked to explain my work there, which I did pretty well.
8. I was also asked if I sat for DB during the intern procedure and I again told them the truth, as I have written earlier.
Tips: They weren’t judging me on finance or quant, because of my CPI and previous background as an intern. A lot of people were grilled on these though, if they said they were interested in these and all. They were trying to have a conversation with me, and testing my confidence, and when I came out of the room, I knew I had done well.

Round: Other Interview
Experience: 1. It was the second technical interview and the panel was of Mr. Vikram Khanderia (Business Head) and a senior person from algo- trading. It lasted for 20 minutes.
2. I entered the room, greeted them and was asked to describe myself in one minute.
3. I did that pretty well as I thought. Mr. Vikram asked me to explain my paper in Morgan Stanley to the two of them, I took a pen and paper and tried explaining them the whole of it. I actually did pretty bad (I had explained this to others quite well earlier, maybe I became a bit nervous.) They didn’t get the full essence of the work, though understood that it was very valuable to the firm.
4. Then I was asked a very trivial question as to rank the Bonds, CDS and Loans in order of the interest rates they offered, and give an explanation on the same. (I had worked on these instruments during my intern, so was asked this). I knew the order and told them that, but struggled for around 5 minutes with the answer. Then they told me the reason for it, and I was just repenting the way my interview was proceeding.
5. Then Mr. Vikram asked me to tell three important things that were currently happening in the world of Business. (I never used to read ET, but read it the previous day). Told them, that Cinemax had just acquired PVR , and as soon as I told it, he just stood up and lashed at me that how could a small Indian company acquisition affect Wall Street. I then understand what a mockery I had made (and was mentally prepared for the Credit Suisse interview after this, because I was sure to be kicked out from here.)
6. Continuing, he wrote three things on paper : Fiscal Cliff, Euro-Debt Crisis and the Palestine war and asked to me explain all of them. I knew the 1st two very well, and started. Though I wasn’t very convincing because I had become a bit tensed, but still I told all that I knew about them in any order though not very confidently. I was asked some counter questions, which I answered and a small discussion followed as to how could the war affect the oil prices in India and gave some logical explanation.
7. Then, the other person took a piece of paper and told that If he folded it 100 times , what would be its total width, if the width of one side is 1 unit.
8. I found it out and told the answer was 2100 . He asked me to calculate it, and I still can’t believe I told them it was 1024 (210 ) * 1024, and then he asked me re calculate it. I immediately realized what a fool I was making of myself, and told it was 1024* multiplied 10 times ~ 1030. (which was right :P). I was asked to leave.
9. I came out and told the volunteers that I had messed it up and there was no chance I would get selected. So I was going for the CS interview. I was asked to wait for a minute and then the volunteers entered the room and after a minute asked me to go and meet Mr. Vikram.
10. He asked me what my concern was, I told him that I was sorry to have messed his round after such an awesome round 1 and that I won’t get selected. He gave me a smile and said that they had really liked me. I asked them if I would get an offer, because it would be my dream come true so early in the morning, He told me that there were SPO clauses that he couldn’t tell me, but ‘You are intelligent enough to understand. If I were you, I would put my suit off and go out for a drink :P’ ). I was overwhelmed, had a firm handshake with the both of them , and there it was at 9.50 AM. in the morning.

General Tips: I have watched this year’s placement process very closely and would like to point out a few things to the readers, which are very important.
1. Be Realistic : This is perhaps one of the most important factors in the placements. I have seen so many people expect so much from them and when they don’t get shortlisted somewhere, it’s the end of the world for them. You must understand that there are certain limitations on you because of your CV till date (however intellectual or Bakait you might me). The key to this is be realistic, like Being a person from MME or BSBE, its actually difficult for you to crack a quant firm like Goldman/Morgan because of your curriculum here (however good you might be at Algos or Maths), the good thing is to accept it. Not having tremendous peaks in your resume will in not place you among the 20 shortlisted in BCG for instance. So, on a very serious note, everyone knows inside out what he/she is capable of, so please be realistic in your ambitions and try to excel in the options you have. Believe me, the goals may not be sky-high, but definitely are achievable.
2. Resume : Over the years, all the firms tell us that IITB/D resumes are well made than IITK ones. Get some of the resumes from your friends over there, ask some of your IITK seniors for their resume, SPO is always there to help you out. But Please denote at least 2 weeks in preparing your master resume and sub-resumes for every company.
3. PPTs : Try and attend the PPTs of the companies. You can actually get to know a lot about the work culture there and what is expected of you in your initial years. It will help you decide if this is actually the thing for you or not.
4. Don’t Speculate : During October-Nov. , most of the students actually waste a lot of efforts in just speculating ‘Yaar yeh company toh ise le hi legi’. Believe me , it happens a lot, confuses you and wastes a lot of your time (especially if you are a 4 Year student.)
5. DPC : Please form a good DPC at least for your own sake. Yes maybe the post might not be of value, but a hard working student can make a lot of difference to his department placements. You cannot expect the OPCs to call in every company of your department.
College Name: IIT KANPUR

Interview Questionnaire 

4 Questions

  • Q1. One coding question.
  • Q2. Questions on Data Structures
  • Q3. Logical Question: You are a captive. If you say the right answer, the assasin will hang you, if you say the wrong answer, he will shoot you. How do you escape?
  • Q4. Other aptitude questions

Interview Preparation Tips

Round: Other Interview
Experience: One year since I took the interview, so no idea exactly what questions they asked. But I was asked to write the code on paper in front of him and was asked to debug it. Some puzzles and aptitude questions along with other basic coding questions. It was great that the guy was interactive and started asking about my projects and college life.
Btw the answer to the logical question is: I should say " you will shoot me". Paradoxical.
Tips: Feel free to ask anything that you would like to know from them. Also frankly say that you don't know a certain topic if you have no clue what it is about. They don't like people wasting their time.

Round: HR Interview
Experience: This was not exactly a technical interview. He asked me to write a code to find the day of week when a certain date in any year of the calendar is given. I answered it and then he starting asking general questions as to why do u want to join the company, etc.
I gave answers to most of them convincingly. But I kept him engaged by explaining my life at college, the extra curriculars I did at college. Also I asked him about his experience as a software engineer. I asked him to reflect upon his career and how I should approach about my career.
Tips: The best part about HR interviews is they expect you to ask them lots and lots of questions. The more they are engaged, the more are your chances of impressing and getting selected. And more importantly, ask the interviewer about his experience with the present firm. This also works with my manager when ever he has a one on one with me :P
Cheers and all the best.

Skills: Soft Skills, General Aptitude, LOGICAL THINKING ABILITIES, Coding Skills And Knowledge On Data Structures
College Name: IIT Hyderabad

I was interviewed before Jun 2016.

Interview Preparation Tips

Round: Resume Shortlist
Experience: Since it is a Finance profile, it would help if you have any finance /economics/ MBA projects to write about. DB looks for a good CPI and decent projects or extra curriculars and interest in the finance sector. It also wouldn?t hurt to mention your technical skills here.


Round: Test
Experience: And since most of the finance work in India is back office (with all due respect to all those who have been placed in this sector) you have to be comfortable with numbers and calculations. The test is a typical CAT type paper mostly concentrating on quantitative analysis and data interpretation. There is also a bonus finance section for those who have knowledge on the subject. Again practice cat type papers well and sit with a knowledgeable friend of yours to discuss topics in finance.

Tips: Realize when you are in a recession period. No job comes easy. Most of us who are not insanely intelligent like that one dude in your wing need to practice hard for the test to get through. In a recession/slack scenario core companies save the day. Don?t neglect your core courses.
Duration: 45 minutes

Morgan Stanley Interview FAQs

How many rounds are there in Morgan Stanley Credit Risk Analyst interview?
Morgan Stanley interview process usually has 2 rounds. The most common rounds in the Morgan Stanley interview process are One-on-one Round and Resume Shortlist.
How to prepare for Morgan Stanley Credit Risk 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 Morgan Stanley. The most common topics and skills that interviewers at Morgan Stanley expect are Financial Services, Investment Banking, Analytics, Business Analytics and CRM.
What are the top questions asked in Morgan Stanley Credit Risk Analyst interview?

Some of the top questions asked at the Morgan Stanley Credit Risk Analyst interview -

  1. Tell me about different classes of ass...read more
  2. If you are asked for advise whether to set a telecom plant in a rural area, on ...read more

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Morgan Stanley Credit Risk Analyst Interview Process

based on 2 interviews

Interview experience

4.5
  
Good
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Morgan Stanley Credit Risk Analyst Salary
based on 42 salaries
₹9 L/yr - ₹19 L/yr
20% more than the average Credit Risk Analyst Salary in India
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Morgan Stanley Credit Risk Analyst Reviews and Ratings

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4.3/5

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3.5

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4.0

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4.3

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4.1

Job security

4.0

Company culture

3.9

Promotions

3.2

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