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SMERA Ratings Associate Analyst Interview Questions and Answers

Updated 6 Mar 2024

SMERA Ratings Associate Analyst Interview Experiences

1 interview found

Interview experience
4
Good
Difficulty level
Hard
Process Duration
2-4 weeks
Result
Selected Selected

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

Round 1 - HR 

(1 Question)

  • Q1. Personal details
Round 2 - One-on-one 

(1 Question)

  • Q1. Questions related to credit rating.

Interview questions from similar companies

I applied via Company Website and was interviewed before Aug 2021. 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 - One-on-one 

(2 Questions)

  • Q1. What is current ratio
  • Ans. 

    Current ratio is a financial ratio that measures a company's ability to pay its short-term obligations.

    • Current ratio is calculated by dividing current assets by current liabilities.

    • It is used to evaluate a company's liquidity and short-term financial health.

    • A ratio of 1 or higher is generally considered good, indicating that the company can meet its short-term obligations.

    • However, a very high current ratio may indicate...

  • Answered by AI
  • Q2. Ratio of current assets and liabilities
  • Ans. 

    The ratio of current assets and liabilities is a measure of a company's ability to pay off its short-term debts.

    • Current ratio = current assets / current liabilities

    • A ratio of 2:1 or higher is considered healthy

    • Low ratio may indicate liquidity issues

    • Example: If a company has $100,000 in current assets and $50,000 in current liabilities, its current ratio would be 2:1

  • Answered by AI

Interview Preparation Tips

Interview preparation tips for other job seekers - understand basic finance terms and how to interpret them, forecasting is also important

I applied via Approached by Company and was interviewed before Mar 2021. There was 1 interview round.

Round 1 - Technical 

(1 Question)

  • Q1. Question about Greeks, Valuation and fundamental analysis of Banks

Interview Preparation Tips

Interview preparation tips for other job seekers - Make sure you are not being duped into an inflated JD. CRISIL is very notorious for hiring people on fake or inflated JD.
discuss the career path and if possible talk to people working with CRISIL before making any move.

I was interviewed before Jun 2016.

Interview Questionnaire 

6 Questions

  • Q1. What is a bond? What are different types of bonds?
  • Ans. 

    A bond is a debt security that represents a loan made by an investor to a borrower.

    • Bonds are issued by governments, municipalities, and corporations.

    • They are used to raise capital and finance projects.

    • Different types of bonds include government bonds, corporate bonds, municipal bonds, and convertible bonds.

    • Government bonds are issued by national governments and are considered low-risk.

    • Corporate bonds are issued by comp...

  • Answered by AI
  • Q2. Tell us something about your specialisation subjects of BBA
  • Ans. 

    My specialisation subjects in BBA include marketing, finance, human resource management, and operations management.

    • Marketing involves understanding consumer behavior and creating strategies to promote products or services.

    • Finance focuses on managing funds, investments, and financial planning.

    • Human resource management deals with recruiting, training, and managing employees.

    • Operations management involves overseeing produ...

  • Answered by AI
  • Q3. Which is your favourite subject? Describe about it
  • Ans. 

    My favorite subject is history because I enjoy learning about past events and how they have shaped the world we live in today.

    • I find studying different time periods and cultures fascinating

    • I enjoy analyzing historical documents and artifacts

    • I like understanding how historical events have influenced current societies and politics

  • Answered by AI
  • Q4. Are you comfortable in night shifts
  • Ans. 

    Yes, I am comfortable with night shifts as I have prior experience working in night shifts.

    • I have previous experience working night shifts in my previous job.

    • I am able to adjust my sleep schedule to accommodate night shifts.

    • I understand the importance of being alert and focused during night shifts.

    • I am willing to work night shifts if required for the role.

  • Answered by AI
  • Q5. What are your hobbies
  • Ans. 

    My hobbies include hiking, painting, and playing the guitar.

    • Hiking: I enjoy exploring nature trails and challenging myself physically.

    • Painting: I find relaxation and creativity in expressing myself through art.

    • Playing the guitar: I love learning new songs and improving my musical skills.

  • Answered by AI
  • Q6. Where do your parents and siblings work
  • Ans. 

    My parents work in education and my siblings work in finance and healthcare.

    • Parents work in education

    • Siblings work in finance and healthcare

  • Answered by AI

Interview Preparation Tips

Round: Test
Experience: In this round there was an online test which had objective and subjective questions regarding the mentioned sections.
Duration: 1 hour
Total Questions: 30

Round: Technical Interview
Experience: The interviewer asked such questions about my graduation subjects and a little about how familiar I am of the work the company deals in.

Round: HR Interview
Experience: This round had the HR person ask general questions about my hobbies and about my family background and also told me about the company, its culture and the salary structure

College Name: Maharaja Surajmal Institute Of Technology

I was interviewed in Dec 2016.

Interview Questionnaire 

2 Questions

  • Q1. They asked be about normal and log normal distribution in detail what it means and significance.
  • Q2. What is turn in in case of lease. what is the diff between lease and loan. what is overcollaterlisation,
  • Ans. 

    Turn-in in case of lease refers to returning the leased asset at the end of the lease term. Lease differs from a loan in terms of ownership and repayment structure. Overcollateralisation is when the collateral value exceeds the loan amount.

    • Turn-in in lease means returning the leased asset to the lessor at the end of the lease term.

    • Lease is a contractual agreement where the lessee pays for the use of an asset owned by t...

  • Answered by AI

Analyst Interview Questions & Answers

ICRA user image Anonymous

posted on 10 May 2021

I applied via Referral and was interviewed before May 2020. There were 3 interview rounds.

Interview Questionnaire 

3 Questions

  • Q1. Written test focused on financial analysis of a company
  • Q2. How do you perform credit analysis ?
  • Ans. 

    Credit analysis involves evaluating the creditworthiness of a borrower to determine the likelihood of repayment.

    • Gather financial information about the borrower, including income, assets, and liabilities

    • Assess the borrower's credit history and credit score

    • Analyze the borrower's debt-to-income ratio and other financial ratios

    • Consider external factors such as economic conditions and industry trends

    • Make a recommendation on...

  • Answered by AI
  • Q3. What are the key parameters by which you will assess the business risk of a company?
  • Ans. 

    Assessing business risk involves evaluating various parameters.

    • Financial stability and performance

    • Market competition and trends

    • Regulatory compliance and legal issues

    • Management team and corporate governance

    • Industry and macroeconomic factors

    • Brand reputation and customer satisfaction

    • Supply chain and operational risks

  • Answered by AI

Interview Preparation Tips

Interview preparation tips for other job seekers - Be thorough with ratios used to analyze a company's financial health, especially leverage ratios, how to calculate ROCE, cash flow analysis.

I applied via LinkedIn and was interviewed in Nov 2021. There were 6 interview rounds.

Interview Questionnaire 

1 Question

  • Q1. Every details about previous job and subjective questions

Interview Preparation Tips

Interview preparation tips for other job seekers - Be prepared subjective and objective
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 Oct 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 - Aptitude Test 

Ratios, quantitative aptitude, GK

Round 3 - Technical 

(1 Question)

  • Q1. Ratios, important ratios to consider before giving a loan.
  • Ans. 

    Key ratios to consider before giving a loan include debt-to-income ratio, loan-to-value ratio, and credit score.

    • Debt-to-Income Ratio: This ratio compares a borrower's monthly debt payments to their gross monthly income. A lower ratio indicates a borrower is less risky.

    • Loan-to-Value Ratio: This ratio compares the loan amount to the appraised value of the collateral. A lower ratio indicates a lower risk for the lender.

    • Cr...

  • Answered by AI
Interview experience
5
Excellent
Difficulty level
Moderate
Process Duration
2-4 weeks
Result
Selected Selected

I applied via Recruitment Consulltant and was interviewed before May 2023. There were 3 interview rounds.

Round 1 - Technical 

(1 Question)

  • Q1. Ratios, Ind as 115, 113, 116, dcf valuation, analtical questions
Round 2 - Technical 

(1 Question)

  • Q1. Economics, financial management related questions
Round 3 - HR 

(1 Question)

  • Q1. Basic questions family background

Interview Preparation Tips

Interview preparation tips for other job seekers - Go through financial ratios and financial statement analysis
Interview experience
3
Average
Difficulty level
Moderate
Process Duration
2-4 weeks
Result
Selected Selected

I applied via Job Portal and was interviewed before Sep 2023. There were 2 interview rounds.

Round 1 - Aptitude Test 

About financial analysis and credit analysis

Round 2 - One-on-one 

(1 Question)

  • Q1. Financial statements analysis and ratio analysis

SMERA Ratings Interview FAQs

How many rounds are there in SMERA Ratings Associate Analyst interview?
SMERA Ratings interview process usually has 2 rounds. The most common rounds in the SMERA Ratings interview process are HR and One-on-one Round.

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SMERA Ratings Associate Analyst Interview Process

based on 1 interview

Interview experience

4
  
Good
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SMERA Ratings Associate Analyst Salary
based on 4 salaries
₹2.4 L/yr - ₹4.1 L/yr
23% less than the average Associate Analyst Salary in India
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SMERA Ratings Associate Analyst Reviews and Ratings

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4.0/5

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3.0

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