RBL Bank Risk Analyst Interview Questions and Answers

Q1. Introduce yourself
Add your answer
Q2. Basel III Norms, LCR calculation, NSFR Meaning, Return on Capital
Add your answer
Q3. What is PCA about PCA?
Ans. 
PCA stands for Principal Component Analysis, a statistical technique used to reduce the dimensionality of data while preserving important information.
• PCA is used to identify patterns in data and reduce the number of variables without losing much information.

• It works by transforming the original variables into a new set of uncorrelated variables called principal components.

• These principal components are ordered by the a...read more
Answered by AI
Add your answer
Q4. What is CRAR?What is CCB?
Ans. 
CRAR stands for Capital to Risk-Weighted Assets Ratio, a measure of a bank's capital adequacy. CCB stands for Counter-Cyclical Buffer, an additional capital requirement imposed on banks during periods of excessive credit growth.
• CRAR is calculated by dividing a bank's capital by its risk-weighted assets.

• It is used to ensure that banks have enough capital to cover potential losses from their risk exposures.

• CCB is a regul...read more
Answered by AI
Add your answer
Q5. What do you mean by asset liability managemnt?
Ans. 
Asset liability management is the practice of managing risks that arise due to mismatches between assets and liabilities.
• Asset liability management involves managing the risks associated with the assets and liabilities of a company or organization.

• It aims to ensure that the assets are sufficient to cover the liabilities and meet the organization's financial obligations.

• Strategies used in asset liability management incl...read more
Answered by AI
Add your answer

Check system and application knowledge and communication skills check.

Q1. What is your qualification details.
Add your answer
Q2. Why reason for job my industry.
Add your answer

Not share my trigger.

Q1. Background testing like education, location preference and CTC.
Add your answer
Q2. Why job change was asked. Are you ready for location change.
Add your answer

Working experience and computer knowledge,team handled

Q1. Personal information
Add your answer
Q2. Verification information
Add your answer

Q1. How debit and credit process works in a bank?
Ans. 
Debit and credit processes involve recording financial transactions in a bank account.
• Debit transactions decrease the account balance, while credit transactions increase it.

• Debit cards are used to make payments directly from the account balance.

• Credit cards allow users to borrow money up to a certain limit.

• Debits and credits are recorded in the bank's ledger to track account activity.

• Bank statements show a summary of d...read more
Answered by AI
Add your answer
Q2. Explain final year project
Ans. 
Developed a fraud detection system using machine learning algorithms
• Used Python for data preprocessing and model building

• Implemented logistic regression and random forest algorithms

• Evaluated model performance using precision, recall, and F1 score

• Tested the system on real-world financial data to identify fraudulent transactions
Answered by AI
Add your answer
Q3. Self introduction
Add your answer
Q4. Why you choose banking sector?
Ans. 
I chose the banking sector due to its dynamic nature, opportunities for growth, and the chance to work with cutting-edge technology.
• Opportunities for career growth and advancement

• Dynamic nature of the industry

• Chance to work with cutting-edge technology
Answered by AI
Add your answer

Q1. LANGUAGES KNOWN?
Ans. 
English, Spanish, French
• English - Fluent in reading, writing, and speaking

• Spanish - Conversational level

• French - Basic understanding
Answered by AI
Add your answer
Q2. Basic Communication questions
Add your answer

Q1. Banking terms and definitions
Ans. 
Banking terms and definitions
• Interest rate: The amount charged by a lender to a borrower for the use of assets.

• Credit score: A numerical representation of a person's creditworthiness.

• Collateral: Assets pledged by a borrower to secure a loan.

• Overdraft: A deficit in a bank account caused by drawing more money than is available.

• APR (Annual Percentage Rate): The annual rate charged for borrowing or earned through an invest
Answered by AI
Add your answer
Q2. ABOUT PREV EMPLOYMENT
Add your answer