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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 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 LinkedIn and was interviewed before Nov 2021. 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 - One-on-one 

(2 Questions)

  • Q1. Tell me about your self
  • Q2. Take me through your cv
Round 3 - Aptitude Test 

You can just prepare well and be confident and you will get selected

Interview Preparation Tips

Interview preparation tips for other job seekers - Easy process keep up the attitude and do well in the one to one round you will get selected

Interview Questionnaire 

2 Questions

  • Q1. What is DSCR
  • Ans. 

    DSCR stands for Debt Service Coverage Ratio. It is a financial ratio used to measure a company's ability to pay its debts.

    • DSCR is calculated by dividing a company's net operating income by its total debt service.

    • A DSCR of 1 or higher indicates that a company is generating enough income to cover its debt obligations.

    • Lenders often use DSCR to assess the creditworthiness of a borrower before approving a loan.

    • For example, ...

  • Answered by AI
  • Q2. What is Current Ratio
  • Ans. 

    Current Ratio is a financial ratio that measures a company's ability to pay its short-term liabilities with its current assets.

    • Current Ratio = Current Assets / Current Liabilities

    • A higher current ratio indicates a better ability to pay off short-term debts

    • A lower current 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

  • Answered by AI

Interview Questionnaire 

1 Question

  • Q1. Work related questions

I applied via Referral and was interviewed before Apr 2021. There was 1 interview round.

Round 1 - Technical 

(1 Question)

  • Q1. Tell us about your exp
  • Ans. 

    I have extensive experience as a Credit Manager, overseeing credit operations and managing risk.

    • Managed a team of credit analysts and implemented credit policies and procedures.

    • Evaluated creditworthiness of customers and set credit limits.

    • Monitored and analyzed credit trends and identified potential risks.

    • Implemented strategies to minimize bad debt and improve collections.

    • Negotiated payment terms with customers and res...

  • Answered by AI

Interview Preparation Tips

Interview preparation tips for other job seekers - Working with Axis is a great exp, environment is great, seniors are co operative.

Interview Questionnaire 

3 Questions

  • Q1. Previous Job experience
  • Ans. 

    I have 5 years of experience as a Credit Manager at XYZ Company.

    • Managed credit risk assessment for new and existing clients

    • Analyzed financial statements and credit reports to determine creditworthiness

    • Negotiated payment terms and conditions with clients

    • Implemented credit policies and procedures to minimize risk

    • Collaborated with sales and finance teams to optimize credit decisions

  • Answered by AI
  • Q2. Work related questions, e.g how to verify debtors from banking
  • Q3. Future goals

I applied via Naukri.com and was interviewed in Aug 2020. There was 1 interview round.

Interview Questionnaire 

2 Questions

  • Q1. Cibil question are expected
  • Q2. Read job description properly some question are related

Interview Preparation Tips

Interview preparation tips for other job seekers - Dress formal and be confident

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

Interview Questionnaire 

2 Questions

  • Q1. Financial analysis related questions
  • Q2. Just answer what you have learnt during the course of your studies

Interview Preparation Tips

Interview preparation tips for other job seekers - Be honest in your answers. If you dont know dont fluke

I applied via Referral and was interviewed before Jan 2021. There were 4 interview rounds.

Interview Questionnaire 

2 Questions

  • Q1. Interview questions
  • Q2. Interview for LAP Department will be basic from your past relevant experience as well as Financials ratios like DSCR, int coverage, cash profits, quasi capitals and how you understand mortgage products

Interview Preparation Tips

Interview preparation tips for other job seekers - Hdfc Bank is good to explore your areas of finnlance basically Loans both secured and unsecured

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

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