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RBL Bank Credit Risk Analyst Interview Questions, Process, and Tips

Updated 10 Sep 2020

RBL Bank Credit Risk Analyst Interview Experiences

1 interview found

I applied via Naukri.com and was interviewed before Sep 2019. There was 1 interview round.

Interview Questionnaire 

7 Questions

  • Q1. Details of Mpbf and drawing power
  • Q2. Concept of pre and post shipment facility
  • Ans. 

    Pre and post shipment facilities refer to credit facilities provided to exporters before and after shipment of goods.

    • Pre-shipment facility is a credit facility provided to exporters to finance the production and processing of goods before shipment.

    • Post-shipment facility is a credit facility provided to exporters to finance the period between shipment of goods and receipt of payment from the importer.

    • Pre-shipment facili...

  • Answered by AI
  • Q3. Major financial ratios and their implications in credit risk assessment
  • Ans. 

    Financial ratios used in credit risk assessment

    • Debt-to-Equity Ratio: measures the amount of debt used to finance a company's assets

    • Current Ratio: measures a company's ability to pay its short-term debts

    • Interest Coverage Ratio: measures a company's ability to pay its interest expenses

    • Profit Margin Ratio: measures a company's profitability

    • Asset Turnover Ratio: measures a company's efficiency in using its assets to genera

  • Answered by AI
  • Q4. Difference between Financial and Performance BG
  • Ans. 

    Financial BG is for payment obligations while Performance BG is for non-payment obligations.

    • Financial BG is used to guarantee payment obligations such as loans, taxes, and customs duties.

    • Performance BG is used to guarantee non-payment obligations such as completion of a project or delivery of goods.

    • Financial BG is typically issued by banks while Performance BG can be issued by insurance companies or other financial ins...

  • Answered by AI
  • Q5. What is SBLC
  • Ans. 

    SBLC stands for Standby Letter of Credit, which is a financial instrument used to guarantee payment.

    • SBLC is a type of letter of credit that serves as a backup payment option for the beneficiary in case the buyer defaults on payment.

    • It is often used in international trade transactions to reduce the risk of non-payment.

    • The issuing bank guarantees payment to the beneficiary if the buyer fails to fulfill their payment obli...

  • Answered by AI
  • Q6. What is asset liability mismatch
  • Ans. 

    Asset liability mismatch is when a company's assets and liabilities have different maturities or interest rates.

    • Occurs when a company's assets and liabilities have different maturities or interest rates

    • Can lead to financial instability and liquidity problems

    • Example: A bank that borrows short-term funds to lend long-term

    • Can be managed through asset-liability management techniques

  • Answered by AI
  • Q7. How to assess cash credit account statement
  • Ans. 

    Assessing cash credit account statement involves analyzing the inflow and outflow of funds, identifying any discrepancies, and evaluating the borrower's creditworthiness.

    • Review the account statement for any irregularities or inconsistencies

    • Check the borrower's payment history and credit score

    • Assess the borrower's financial stability and ability to repay the loan

    • Compare the account statement with the borrower's financia...

  • Answered by AI

Interview Preparation Tips

Interview preparation tips for other job seekers -
Read about the company taking interview
Don't say anything bad about existing employer.
Your resume should be always updated properly.

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 was interviewed before May 2016.

Interview Questionnaire 

3 Questions

  • Q1. Current working experience,
  • Q2. Banking Related knowledge
  • Q3. How do you assess credit worthiness
  • Ans. 

    Assess credit worthiness by analyzing credit history, financial statements, and other relevant data.

    • Review credit reports and scores

    • Analyze financial statements and income

    • Consider employment history and stability

    • Evaluate debt-to-income ratio

    • Assess collateral and assets

    • Look for red flags such as bankruptcies or late payments

  • Answered by AI

Interview Preparation Tips

Round: Resume Shortlist
Experience: Resume was forwarded to HR for preliminary screening of the candidates.
Tips: Resume should be in original in your own words and language, generally candidates copy paste the resume which get caught by HR

Round: Technical Interview
Experience: Current working experience was asked for, Questions related to the domain of job were being asked specifically like banking terminologies etc.

Now , at the end they touched core area of which they were taking interview
Tips: Don't be over enthusiastic , tell exactly what are you doing at present, any cross question on false working will trap you.
If technical / specific questions are asked from you, don't be 100% confident and just say that according to me it can be....

Skills: Common Sense, Communication, Knowledge In Core Topics, RISK TAKING ABILITY, Behavioural Skills

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 was interviewed before Apr 2016.

Interview Questionnaire 

6 Questions

  • Q1. Asked about a business model for the bank.
  • Q2. How is digitalization helping banks?
  • Ans. 

    Digitalization is helping banks in multiple ways.

    • Improving customer experience through online banking and mobile apps

    • Reducing operational costs through automation and digitization of processes

    • Enhancing risk management through data analytics and AI

    • Enabling faster and more efficient transactions through blockchain technology

    • Expanding customer base through digital marketing and social media

    • Providing personalized financial...

  • Answered by AI
  • Q3. Effect of demonetization on the banking sector?
  • Ans. 

    Demonetization had a mixed impact on the banking sector.

    • Initial impact was negative due to liquidity crunch and increased NPAs

    • However, in the long run, it led to increased deposits and digital transactions

    • Banks had to invest in technology to support digital transactions

    • Demonetization also led to increased financial inclusion and formalization of the economy

  • Answered by AI
  • Q4. Various types of financial statements used by banks for credit calculations.
  • Ans. 

    Banks use various financial statements for credit calculations.

    • Income statement

    • Balance sheet

    • Cash flow statement

    • Statement of retained earnings

    • Financial ratios

    • Credit reports

  • Answered by AI
  • Q5. Effect of Demonetisation on SMEs ?
  • Ans. 

    Demonetisation had a mixed impact on SMEs in India.

    • SMEs with a large cash component were hit hard initially

    • Digital payments and formalisation of the economy benefited some SMEs

    • Overall, the impact on SMEs was not as severe as on larger businesses

    • SMEs in rural areas faced more challenges due to lack of digital infrastructure

    • Some SMEs had to shut down due to cash flow issues

  • Answered by AI
  • Q6. Market share and market capitalisation of DCB bank?
  • Ans. 

    DCB Bank's market share and market capitalisation are as follows:

    • As of August 2021, DCB Bank's market share in terms of deposits was 0.7%.

    • As of August 2021, DCB Bank's market capitalisation was approximately INR 5,800 crores.

    • DCB Bank's market share and market capitalisation may fluctuate over time based on various factors such as economic conditions, competition, and regulatory changes.

  • Answered by AI

Interview Preparation Tips

Round: Other Interview
Experience: Since DCB Bank asked for the profiles of best 2 candidates, there were interviews conducted on campus by the course coordinator. 17 applied for the above mentioned profile and were tested on the grounds of knowledge they had about the bank and the profile offered.
Tips: Read about the company for which you are giving the interview.

Round: HR Interview
Experience: The interview was conducted in the Karol Bagh branch of the DCB bank by the Head HR of the branch. It was basically a technical interview and tested candidates upon knowledge of recent trends in banking sector and the effects of demonetization.
Tips: Keep abreast with the current changes in the economy as well as a good knowledge of the work profile being offered.

Skills: Finance
College Name: Shri Ram College Of Commerce [ SRCC ]

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.

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
Moderate
Process Duration
Less than 2 weeks
Result
Not Selected

I applied via Campus Placement and was interviewed before Jul 2023. There was 1 interview round.

Round 1 - One-on-one 

(2 Questions)

  • Q1. Experience with Cloud services
  • Ans. 

    I have experience working with cloud services such as AWS, Azure, and Google Cloud.

    • Managed data storage and processing on AWS S3 and EC2 instances

    • Utilized Azure Machine Learning for predictive modeling

    • Implemented Google Cloud Platform for real-time data analytics

  • Answered by AI
  • Q2. Familiarity with PySpark
  • Ans. 

    PySpark is a Python API for Apache Spark, used for big data processing and analytics.

    • PySpark is a Python API for Apache Spark, a distributed computing system.

    • It allows for parallel processing of large datasets using Spark's distributed framework.

    • PySpark provides high-level APIs in Python for Spark programming, making it easier to work with big data.

    • Example: PySpark can be used for data preprocessing, machine learning,

  • Answered by AI

Skills evaluated in this interview

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 Campus Placement and was interviewed before Sep 2020. There were 4 interview rounds.

Interview Questionnaire 

3 Questions

  • Q1. Explain about yourself
  • Q2. Questions based on your resume
  • Q3. Analytical questions according to the vaccnay you are applying

Interview Preparation Tips

Interview preparation tips for other job seekers - Be confident and let them get convinced that you will be perfect for the job and also always try to initiate the group discussion
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RBL Bank Interview FAQs

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

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  1. Major financial ratios and their implications in credit risk assessme...read more
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