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South Indian Bank Credit Analyst Interview Questions and Answers

Updated 21 Nov 2024

South Indian Bank Credit Analyst Interview Experiences

1 interview found

Interview experience
4
Good
Difficulty level
Moderate
Process Duration
More than 8 weeks
Result
Selected Selected

I applied via Referral and was interviewed in May 2024. There were 2 interview rounds.

Round 1 - Aptitude Test 

Easy, logical reasoning

Round 2 - HR 

(2 Questions)

  • Q1. Why South Indian Bank?
  • Ans. 

    South Indian Bank has a strong reputation for stability, growth, and customer service in the banking industry.

    • South Indian Bank has a long history of financial stability and growth, making it a reliable choice for customers and investors.

    • The bank has a strong focus on customer service, ensuring that clients receive personalized attention and support.

    • South Indian Bank has a wide network of branches and ATMs, making it c...

  • Answered by AI
  • Q2. AI in Banking and the transformation
  • Ans. 

    AI in banking is transforming the industry by improving customer service, risk management, and operational efficiency.

    • AI is being used in banking for customer service through chatbots and virtual assistants.

    • AI helps in risk management by analyzing large amounts of data to detect fraud and assess credit risk.

    • AI improves operational efficiency by automating repetitive tasks such as data entry and document processing.

    • Exam...

  • Answered by AI

Interview Preparation Tips

Interview preparation tips for other job seekers - Prepare technical questions as well

Interview questions from similar companies

Interview Preparation Tips

Round: Resume Shortlist
Experience: Initial shortlisting was based on resume where CGPA cutoff was around 8.

Round: Test
Experience: Questions were related to Data interpretation and Aptitude,which mostly tests a person's patience too.Around 20-25 were shortlisted after this round.

Round: Case Study Interview
Experience: Questions relating to case studies and course done in your maths were asked.

Round: HR Interview
Experience: In this round,the candidate was asked to talk about himself, his qualities and mostly the activities he was involved in the past 4-5 years of his life.

Skill Tips: A proper revision of math courses will also be useful during interviews and can do much better by having preparation in case studies.
Skills: Good communication skills
College Name: IIT MADRAS

I applied via Referral and was interviewed before Dec 2019. There was 1 interview round.

Interview Questionnaire 

3 Questions

  • Q1. What products would you process with Axis Bank .?
  • Ans. 

    Axis Bank offers a range of products for processing including loans, credit cards, savings accounts, and investment options.

    • Loans such as personal loans, home loans, and car loans

    • Credit cards with various rewards and benefits

    • Savings accounts with competitive interest rates

    • Investment options such as mutual funds and fixed deposits

  • Answered by AI
  • Q2. How do you deal with your customers.?
  • Q3. Wht are the details of Business you would collect.?
  • Ans. 

    As a Credit Analyst, I would collect details about the business to assess its creditworthiness.

    • Business financial statements (income statement, balance sheet, cash flow statement)

    • Credit history and payment behavior

    • Industry trends and market conditions

    • Management team and their experience

    • Collateral and assets

    • Legal and regulatory compliance

    • Customer base and revenue streams

  • Answered by AI

Interview Preparation Tips

Interview preparation tips for other job seekers - It's a nice opportunity to met with Assessment process

Interview Questionnaire 

1 Question

  • Q1. SAS ,SQl knowledge

Interview Questionnaire 

1 Question

  • Q1. What is company history

I applied via Company Website and was interviewed in Sep 2020. There were 3 interview rounds.

Interview Questionnaire 

2 Questions

  • Q1. Basel regulatory
  • Q2. Implementation knowledge

Interview Preparation Tips

Interview preparation tips for other job seekers - We need to be throw of Basel regulations with reporting template. End to end techno functional implementation knowledge

I applied via Naukri.com and was interviewed before Sep 2021. There were 5 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. Purely on SSIS and SQL server
  • Q2. Performance Tuning,Scheduling , Deployment related questions.
Round 3 - Technical 

(1 Question)

  • Q1. About Previous Projects and SSIS scenario based questions.
Round 4 - One-on-one 

(1 Question)

  • Q1. About the company policies
Round 5 - HR 

(1 Question)

  • Q1. Discussion on Salary Front.

Interview Preparation Tips

Topics to prepare for IDFC FIRST Bank Business Analyst interview:
  • Performance Tuning
Interview preparation tips for other job seekers - Prepare well for technical interview .
There will be direct questions and scenario based questions as well.

I applied via Company Website and was interviewed in Jun 2021. There was 1 interview round.

Interview Questionnaire 

1 Question

  • Q1. Tell us about yourself, CA Articleship, ratio based questions ( B/S ratios), Profile of Credit Manager
  • Ans. B/S Ratios (profitability, solvency, Liquidity), Interest Coverage Ratio), Profile of Credit Manager (Role)
  • Answered Anonymously

Interview Preparation Tips

Interview preparation tips for other job seekers - Have a fair idea of ratios, Profile etc. Different types of audit. Don't get too caught up in Financials of bank. Chill and good luck.

I applied via Recruitment Consultant and was interviewed in Feb 2021. There was 1 interview round.

Interview Questionnaire 

2 Questions

  • Q1. Sales of the customers I was dealing with and their installed capacity
  • Ans. 

    I would gather sales data and installed capacity information of the customers to analyze their creditworthiness.

    • I would request sales data from the customers to understand their revenue generation.

    • I would also gather information on their installed capacity to assess their production capabilities.

    • This data would help me determine their creditworthiness and ability to repay loans.

    • For example, if a customer has high sales...

  • Answered by AI
  • Q2. How many proposals do I make in a month

Interview Preparation Tips

Interview preparation tips for other job seekers - Read about your existing clients in detail

I applied via Walk-in and was interviewed before Oct 2020. There were 3 interview rounds.

Interview Questionnaire 

1 Question

  • Q1. Asked about career expectations

Interview Preparation Tips

Interview preparation tips for other job seekers - Keep Calm and be confident

South Indian Bank Interview FAQs

How many rounds are there in South Indian Bank Credit Analyst interview?
South Indian Bank interview process usually has 2 rounds. The most common rounds in the South Indian Bank interview process are Aptitude Test and HR.
What are the top questions asked in South Indian Bank Credit Analyst interview?

Some of the top questions asked at the South Indian Bank Credit Analyst interview -

  1. Why South Indian Ba...read more
  2. AI in Banking and the transformat...read more

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South Indian Bank Credit Analyst Interview Process

based on 1 interview

Interview experience

4
  
Good
View more
South Indian Bank Credit Analyst Salary
based on 39 salaries
₹8.3 L/yr - ₹18.5 L/yr
50% more than the average Credit Analyst Salary in India
View more details

South Indian Bank Credit Analyst Reviews and Ratings

based on 2 reviews

4.0/5

Rating in categories

3.5

Skill development

3.5

Work-life balance

4.0

Salary

3.5

Job security

3.0

Company culture

3.0

Promotions

3.0

Work satisfaction

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