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RBL Bank Credit Manager Interview Questions and Answers

Updated 20 Mar 2024

RBL Bank Credit Manager Interview Experiences

2 interviews found

Credit Manager Interview Questions & Answers

user image Abhishek karsauliya

posted on 20 Mar 2024

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

I applied via LinkedIn and was interviewed before Mar 2023. There was 1 interview round.

Round 1 - One-on-one 

(2 Questions)

  • Q1. About Past Underwriting experiences
  • Q2. Current organisation roles and responsibilities

Interview Preparation Tips

Interview preparation tips for other job seekers - Just crack the 1st round, Rest everything will be cleared somehow
Interview experience
3
Average
Difficulty level
Easy
Process Duration
Less than 2 weeks
Result
Selected Selected

I applied via Referral and was interviewed in Mar 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 - HR 

(1 Question)

  • Q1. About previous job, previous KRAs, two references.
Round 3 - One-on-one 

(1 Question)

  • Q1. About the work profile and about the industry.

Interview Preparation Tips

Interview preparation tips for other job seekers - To prepare the interview learn all about the current policies of funding and rules ans regulations.

Credit Manager Interview Questions Asked at Other Companies

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Q4. Which clauses are important in 3CD while sanctioning loan
asked in ICICI Bank
Q5. What are the key skills of credit manager?

Interview questions from similar companies

Interview experience
5
Excellent
Difficulty level
Moderate
Process Duration
4-6 weeks
Result
Selected Selected

I was interviewed in Aug 2024.

Round 1 - One-on-one 

(3 Questions)

  • Q1. What were your major findings during the audit?
  • Ans. 

    During the audit, major findings included high levels of overdue accounts, discrepancies in financial records, and inadequate credit risk assessment procedures.

    • High levels of overdue accounts were identified, indicating potential cash flow issues.

    • Discrepancies in financial records were found, suggesting errors or fraud.

    • Inadequate credit risk assessment procedures were noted, increasing the company's exposure to bad deb

  • Answered by AI
  • Q2. How do you conduct a fraud investigation?
  • Ans. 

    Fraud investigations involve gathering evidence, analyzing data, interviewing witnesses, and collaborating with law enforcement.

    • Start by gathering all relevant documents and data related to the suspected fraud.

    • Conduct interviews with employees, customers, and other relevant parties to gather information and potential leads.

    • Analyze financial records, transactions, and other evidence to identify any irregularities or sus...

  • Answered by AI
  • Q3. What is your motivation for seeking an individual role when you are currently in a team position?
  • Ans. 

    I am seeking an individual role to take on more responsibility and challenge myself to grow professionally.

    • Seeking new challenges and opportunities for growth

    • Desire for more responsibility and autonomy

    • Ability to showcase individual skills and contributions

    • Personal career development goals

  • Answered by AI
Round 2 - One-on-one 

(2 Questions)

  • Q1. How do you manage fraud investigations?
  • Ans. 

    I manage fraud investigations by conducting thorough analysis, utilizing fraud detection tools, collaborating with law enforcement, and implementing preventative measures.

    • Conduct thorough analysis of suspicious activities and transactions

    • Utilize fraud detection tools and software to identify potential fraudulent behavior

    • Collaborate with law enforcement agencies and regulatory bodies to investigate and prosecute fraudst...

  • Answered by AI
  • Q2. How do you plan to manage the entire Madhya Pradesh state?
  • Ans. 

    I plan to manage the entire Madhya Pradesh state by implementing efficient credit policies, building strong relationships with clients and stakeholders, and closely monitoring credit risk.

    • Developing and implementing credit policies and procedures to ensure timely and accurate credit decisions

    • Building strong relationships with clients, vendors, and other stakeholders to facilitate smooth credit transactions

    • Closely monit...

  • Answered by AI

Interview Preparation Tips

Interview preparation tips for other job seekers - Prepare thoroughly for your interview, as there will also be situational-based questions.
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?
Interview experience
2
Poor
Difficulty level
Moderate
Process Duration
4-6 weeks
Result
Selected Selected

I was interviewed in Jul 2024.

Round 1 - One-on-one 

(3 Questions)

  • Q1. Can you provide some information about yourself?
  • Q2. What is your experience related to this field?l
  • Q3. Your achievements
Round 2 - Aptitude Test 

Reasoning, logical, and mathematical skills.

Round 3 - HR 

(1 Question)

  • Q1. What is your current salary, and how would you like to discuss it?

Interview Preparation Tips

Interview preparation tips for other job seekers - Avoid joining IDFC due to its poor work culture.
Interview experience
5
Excellent
Difficulty level
-
Process Duration
-
Result
Selected Selected
Round 1 - Technical 

(2 Questions)

  • Q1. How do you fund a applicant
  • Ans. 

    Funding an applicant involves evaluating their creditworthiness and determining the appropriate amount and terms of the loan.

    • Evaluate the applicant's credit history, income, and debt-to-income ratio

    • Determine the appropriate loan amount based on the applicant's financial situation

    • Decide on the terms of the loan including interest rate, repayment period, and collateral requirements

    • Obtain necessary documentation such as p...

  • Answered by AI
  • Q2. Ratios analysis , banking analaysis

Interview Preparation Tips

Interview preparation tips for other job seekers - Know your product well interviewer will ask basis you experience in resume
Interview experience
5
Excellent
Difficulty level
Moderate
Process Duration
2-4 weeks
Result
Selected Selected

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

Round 1 - Technical 

(7 Questions)

  • Q1. What is the concept of LTV?
  • Ans. 

    LTV stands for Lifetime Value, which is the predicted net profit attributed to the entire future relationship with a customer.

    • LTV helps businesses understand the long-term value of a customer and make decisions on customer acquisition and retention strategies.

    • It takes into account factors such as customer acquisition cost, average purchase value, and customer lifespan.

    • For example, if a customer typically makes a $100 p...

  • Answered by AI
  • Q2. What is DSCR and how do you check loan eligibility for a self employed non professional?
  • Ans. 

    DSCR stands for Debt Service Coverage Ratio. To check loan eligibility for a self employed non professional, you would typically calculate their DSCR.

    • DSCR is a financial ratio that measures a company's ability to cover its debt obligations with its operating income.

    • To calculate DSCR, you divide the company's net operating income by its total debt service.

    • A DSCR of 1 or higher indicates that the company generates enough...

  • Answered by AI
  • Q3. What is CIBIL and what do you check in detail?
  • Ans. 

    CIBIL is a credit information company that provides credit scores based on an individual's credit history.

    • CIBIL stands for Credit Information Bureau (India) Limited.

    • It is one of the four credit information companies in India.

    • CIBIL collects credit information from banks and financial institutions to generate credit reports and scores.

    • Factors checked include payment history, credit utilization, length of credit history, ...

  • Answered by AI
  • Q4. How do you check eligibility for a salaried employee?
  • Ans. 

    Eligibility for a salaried employee is checked by verifying their employment status, income level, and credit history.

    • Verify employment status through pay stubs or employment verification letter

    • Check income level through recent pay stubs or tax returns

    • Review credit history through credit reports from bureaus like Equifax or TransUnion

  • Answered by AI
  • Q5. What is Repo Rate and Reverse Repo Rate
  • Ans. 

    Repo rate is the rate at which the central bank lends money to commercial banks, while reverse repo rate is the rate at which the central bank borrows money from commercial banks.

    • Repo rate is used by the central bank to control inflation and liquidity in the economy.

    • Reverse repo rate is used to absorb excess liquidity in the market.

    • Repo rate is higher than the reverse repo rate.

    • Example: If the repo rate is 5% and the r...

  • Answered by AI
  • Q6. What are KYC documents? Is PAN card a KYC document ?
  • Ans. 

    KYC documents are documents required for verifying the identity of customers. PAN card is a KYC document.

    • KYC documents are Know Your Customer documents used for verifying the identity of customers.

    • Examples of KYC documents include Aadhaar card, passport, driver's license, and voter ID card.

    • PAN card is also considered a KYC document as it contains details such as name, date of birth, and photograph of the individual.

  • Answered by AI
  • Q7. What will you discuss during Personal Discussion (PD) with potential customer and what will you observe during the PD?
  • Ans. 

    During a Personal Discussion with a potential customer, a Credit Manager will discuss the customer's financial situation, credit history, repayment capabilities, and any potential risks. They will observe the customer's communication skills, honesty, and willingness to provide necessary information.

    • Discuss the customer's financial situation and income sources.

    • Review the customer's credit history and repayment track rec...

  • Answered by AI

Interview Preparation Tips

Topics to prepare for Karur Vysya Bank Credit Manager interview:
  • Chartered Accountant
  • Mba Finance
  • bcom
Interview preparation tips for other job seekers - The questions above are for experienced candidates.

Most of the banks asks about Documents like Legal and Technical, Sale Deed, Agreement of Sale, Link Documents,........ relating to Mortgage Loans(Home Loan, LAP)
Interview experience
5
Excellent
Difficulty level
-
Process Duration
-
Result
-
Round 1 - One-on-one 

(2 Questions)

  • Q1. Introduction and knowledge
  • Q2. Credit Underwriting
Interview experience
5
Excellent
Difficulty level
-
Process Duration
-
Result
-
Round 1 - Aptitude Test 

Credit related questions

Round 2 - Case Study 

Market strategy business development

Round 3 - Assignment 

Business penetration Maintain

Interview Preparation Tips

Interview preparation tips for other job seekers - Good relationship with Dealer Manager
Interview experience
4
Good
Difficulty level
Moderate
Process Duration
Less than 2 weeks
Result
Selected Selected

I applied via Naukri.com and was interviewed in Jan 2023. 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 - Technical 

(2 Questions)

  • Q1. Tell me about yourself
  • Q2. How will you analyse a Balance Sheet
  • Ans. 

    Analyzing a balance sheet involves examining assets, liabilities, and equity to determine financial health.

    • Start by calculating the current ratio to assess liquidity

    • Examine the debt-to-equity ratio to evaluate leverage

    • Analyze the inventory turnover ratio to assess efficiency

    • Look at the return on equity to evaluate profitability

    • Compare the balance sheet to previous periods and industry benchmarks

    • Consider any off-balance...

  • Answered by AI

Interview Preparation Tips

Interview preparation tips for other job seekers - Prepare for financial ratios and Job Role. Know about the company

RBL Bank Interview FAQs

How many rounds are there in RBL Bank Credit Manager interview?
RBL Bank interview process usually has 2 rounds. The most common rounds in the RBL Bank interview process are One-on-one Round, Resume Shortlist and HR.
How to prepare for RBL Bank Credit Manager 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 RBL Bank. The most common topics and skills that interviewers at RBL Bank expect are Underwriting, Banking, Credit Appraisal, Credit Management and Lap.

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RBL Bank Credit Manager Interview Process

based on 3 interviews

Interview experience

3.3
  
Average
View more
RBL Bank Credit Manager Salary
based on 141 salaries
₹2.4 L/yr - ₹11.3 L/yr
17% less than the average Credit Manager Salary in India
View more details

RBL Bank Credit Manager Reviews and Ratings

based on 17 reviews

4.4/5

Rating in categories

4.2

Skill development

4.3

Work-life balance

3.2

Salary

4.5

Job security

4.1

Company culture

3.0

Promotions

4.0

Work satisfaction

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