Shriram Finance Credit Risk Analyst Interview Questions and Answers

Q1. Working place and location
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Q2. My experience credit team SME
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Q1. My job experience 6 years
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Q2. On time job working
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Q1. May notice period 2 month
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Q2. Dehradun Vikasnagr
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Q1. Technical related questions
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Q2. Product related questions
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Q1. Tell me about yourself
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Q2. Pass a journal entry
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Journal entry for Credit Relationship Manager position
• Identify the accounts involved (e.g. Cash, Accounts Receivable, Sales)

• Determine the type of transaction (e.g. sale of goods, payment of expenses)

• Debit and credit the appropriate accounts based on the transaction

• Ensure the accounting equation (Assets = Liabilities + Equity) remains balanced
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Q3. Where is a particular item found in balance sheet
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The particular item is found in the liabilities section of the balance sheet.
• Liabilities section of the balance sheet

• Opposite of assets

• Includes debts and obligations
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Q4. Elaborate your internship/ training experiences
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Q1. Financial questions
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Q2. Disbursement type of question
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Q3. Customer problem handle
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Q4. Behaviour of all senior
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Q5. How to manage target
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Basic maths and common science exam

Q1. Inroduce urself
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Q2. What is loan procurement
Ans. 
Loan procurement is the process of obtaining a loan from a financial institution or lender.
• Involves submitting an application for a loan

• Includes providing necessary documentation such as income verification and credit history

• May require meeting certain eligibility criteria set by the lender

• Can involve negotiating loan terms and interest rates

• Examples: applying for a mortgage, car loan, or personal loan
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Q1. Technical knowledge and job profile related
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Q2. As per process and work experience based
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Q1. About Ratio Analysis specifically DSCR , Leverage , Quasi equity
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Q2. About product knowledge and industry knowledge
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Q1. Salary expectation
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Q2. It is everyone's job to increase the salary and post of the employees after seeing their hard work
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Q3. Work experience
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Q4. Income analysis
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Q5. How to settle income FOIR
Ans. 
FOIR can be settled by ensuring the borrower's total fixed obligations do not exceed a certain percentage of their income.
• Calculate the borrower's total fixed obligations, including existing loan EMIs, rent, and other fixed expenses.

• Calculate the borrower's income, including salary, rental income, and any other sources of income.

• Divide the total fixed obligations by the borrower's income to get the FOIR.

• Ensure the FOIR...read more
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The work of the credit team is to provide loan after doing income analytics after studying the case and whether EMI can be given to the customer and my work in case study is to find out by doing local inquiry whether the customer is showing fake business or not and in sales, I keep getting to know what is the problem in the case