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Ujjivan Small Finance Bank

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Ujjivan Small Finance Bank Credit Analyst Interview Questions and Answers

Updated 6 Sep 2021

Ujjivan Small Finance Bank Credit Analyst Interview Experiences

1 interview found

I applied via Referral and was interviewed in Aug 2021. There was 1 interview round.

Interview Questionnaire 

1 Question

  • Q1. Related to my last experience and skills about new things related to the dept

Interview Preparation Tips

Interview preparation tips for other job seekers - Be confident and tell them exactly what you did..

Credit Analyst Jobs at Ujjivan Small Finance Bank

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Interview questions from similar companies

I applied via Referral and was interviewed in May 2021. There was 1 interview round.

Interview Questionnaire 

3 Questions

  • Q1. Tale me about your self
  • Q2. Previous company and present company profile and work
  • Q3. Hobbies

Interview Preparation Tips

Interview preparation tips for other job seekers - Candidate maintain attractive resume and without any Hassitation give the answer
And read all topic relative job

I applied via Referral and was interviewed in Nov 2020. There was 1 interview round.

Interview Questionnaire 

1 Question

  • Q1. Ask questions regarding secure loan knowledge

Interview Preparation Tips

Interview preparation tips for other job seekers -

Interview Questionnaire 

1 Question

  • Q1. Run me through your CV

I applied via Referral and was interviewed in Dec 2020. There was 1 interview round.

Interview Questionnaire 

1 Question

  • Q1. About Accounting standard and basic

Interview Preparation Tips

Interview preparation tips for other job seekers - Positive attitude

I applied via Naukri.com and was interviewed in Nov 2020. There were 3 interview rounds.

Interview Questionnaire 

3 Questions

  • Q1. What are the tools of credit analysis?
  • Ans. 

    The tools of credit analysis include financial statements, credit reports, credit scoring models, and industry research.

    • Financial statements provide information on a company's financial health and performance.

    • Credit reports show a borrower's credit history and payment behavior.

    • Credit scoring models use data from credit reports to assess creditworthiness.

    • Industry research helps to understand the borrower's market and co...

  • Answered by AI
  • Q2. CIBIL Ideal CIBIL score
  • Q3. Family Background

Interview Preparation Tips

Interview preparation tips for other job seekers - Just prepare well and be confident. Average level interview.

I appeared for an interview before Apr 2016.

Interview Questionnaire 

5 Questions

  • Q1. Which clauses are important in 3CD while sanctioning loan
  • Ans. 

    Important clauses in 3CD for loan sanctioning

    • Clause 4 - Purpose of loan

    • Clause 5 - Amount of loan

    • Clause 6 - Repayment terms

    • Clause 7 - Security for loan

    • Clause 8 - Interest rate

    • Clause 9 - Default and consequences

  • Answered by AI
  • Q2. Tell me profit and loss ratios
  • Ans. 

    Profit and loss ratios are financial metrics used to assess the profitability of a company.

    • Profit ratio measures the percentage of profit earned on sales.

    • Gross profit ratio is calculated by dividing gross profit by net sales.

    • Net profit ratio indicates the percentage of net profit earned on sales.

    • Operating profit ratio measures the profitability of core operations.

    • Return on investment (ROI) is a common profitability rat

  • Answered by AI
  • Q3. Balance sheet ratios
  • Q4. Diffrence between concurrent audit and statutory audit
  • Ans. 

    Concurrent audit is conducted during the course of business operations, while statutory audit is conducted at the end of the financial year.

    • Concurrent audit is performed concurrently with the operations of the organization.

    • Statutory audit is conducted to ensure compliance with legal and regulatory requirements.

    • Concurrent audit helps in detecting and preventing frauds and errors in real-time.

    • Statutory audit provides an ...

  • Answered by AI
  • Q5. If someone is earning less than EMI should he take a loan or not
  • Ans. 

    No, someone earning less than EMI should not take a loan.

    • Taking a loan when earning less than the EMI can lead to financial strain and difficulty in repayment.

    • It is important to have a stable income that can comfortably cover the loan repayment.

    • If someone is already struggling to meet their financial obligations, taking on additional debt can worsen their situation.

    • It is advisable to explore alternative options such as...

  • Answered by AI

Interview Preparation Tips

College Name: ICAI

I appeared for an interview before Dec 2020.

Interview Questionnaire 

2 Questions

  • Q1. About the company
  • Q2. About latest general knowledge questions

Interview Preparation Tips

Interview preparation tips for other job seekers - Being confident and free

I applied via Naukri.com and was interviewed in Nov 2019. There were 3 interview rounds.

Interview Questionnaire 

4 Questions

  • Q1. How much cases you can process on daily basis?
  • Ans. 

    I can process around 20-25 cases on a daily basis depending on the complexity of the cases.

    • The number of cases processed depends on the complexity of the cases.

    • On average, I can process around 20-25 cases per day.

    • I prioritize cases based on their urgency and importance.

  • Answered by AI
  • Q2. Approval rate and delinquency rate of your current product.
  • Ans. 

    Our approval rate is 85% and delinquency rate is 5% for the current product.

    • Our approval rate is higher than industry average.

    • We have strict credit checks in place to maintain low delinquency rate.

    • We continuously monitor and analyze our approval and delinquency rates to make necessary adjustments.

    • For example, we recently increased our credit score requirement to reduce delinquency rate.

  • Answered by AI
  • Q3. Why you want to leave current organisation.
  • Q4. Questions on personal information

Interview Preparation Tips

Interview preparation tips for other job seekers - Keep Calm, express your expectations and experience confidently.

I applied via Campus Placement and was interviewed before Feb 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.
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Round 2 - HR 

(1 Question)

  • Q1. Tell me about yourself.

Ujjivan Small Finance Bank Interview FAQs

How to prepare for Ujjivan Small Finance Bank Credit Analyst interview?
Go through your CV in detail and study all the technologies mentioned in your CV. Prepare at least two technologies or languages in depth if you are appearing for a technical interview at Ujjivan Small Finance Bank. The most common topics and skills that interviewers at Ujjivan Small Finance Bank expect are Credit Analysis, Data Analytics, Due Diligence, Risk Management and Auditing.

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Ujjivan Small Finance Bank Credit Analyst Salary
based on 6 salaries
₹3.3 L/yr - ₹6.2 L/yr
40% less than the average Credit Analyst Salary in India
View more details

Ujjivan Small Finance Bank Credit Analyst Reviews and Ratings

based on 4 reviews

4.5/5

Rating in categories

4.2

Skill development

4.0

Work-life balance

4.0

Salary

4.5

Job security

4.3

Company culture

2.7

Promotions

4.5

Work satisfaction

Explore 4 Reviews and Ratings
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