i
Utkarsh Small Finance Bank
Filter interviews by
I applied via Approached by Company and was interviewed in Jul 2023. There were 3 interview rounds.
I applied via Naukri.com and was interviewed in Jul 2022. There were 2 interview rounds.
Underwriting is the process of evaluating the risk of a loan or investment and determining if it meets the lender's criteria.
Underwriting involves analyzing financial statements, credit reports, and other relevant information to determine the borrower's ability to repay the loan.
The underwriter also assesses the value of the collateral and the overall market conditions.
Examples of underwriting include mortgage underwri...
Assessing income of SENP segment
Analyze income sources such as salary, investments, and rental income
Consider debt-to-income ratio and credit history
Look at demographic data and economic trends in the area
Use financial statements and tax returns to verify income
Compare income to expenses and debt obligations
The three pillars of loan eligibility are credit score, income, and collateral.
Credit score: A good credit score indicates a borrower's ability to repay the loan.
Income: Sufficient income is necessary to ensure timely loan repayments.
Collateral: Providing collateral reduces the risk for the lender and increases loan eligibility.
Example: A person with a high credit score, stable income, and valuable collateral has a hig
Technical reports should contain accurate and detailed information about a specific topic.
Technical reports should have a clear and concise title
The report should have an introduction that outlines the purpose and scope of the report
The report should contain accurate and detailed information about the topic
The report should have a conclusion that summarizes the findings and recommendations
The report should be well-orga...
To check legal report, obtain a copy from relevant authority and review for any legal issues. Incumbrance refers to any legal claims on property.
Obtain a copy of the legal report from relevant authority
Review the report for any legal issues such as pending lawsuits or liens
Incumbrance refers to any legal claims on property such as mortgages or unpaid taxes
I applied via Recruitment Consulltant and was interviewed before Dec 2022. There were 2 interview rounds.
I have over 10 years of experience in credit management, consistently exceeding targets and reducing bad debt.
Managed credit risk assessment for new and existing customers
Implemented credit policies and procedures to minimize bad debt
Negotiated payment terms with customers to ensure timely payments
Led a team to improve collection processes and reduce outstanding balances
Utilized data analysis to identify high-risk acco
I applied via LinkedIn and was interviewed in Jun 2021. There was 1 interview round.
Utkarsh Small Finance Bank interview questions for designations
I applied via Company Website and was interviewed in Mar 2021. There were 4 interview rounds.
Get interview-ready with Top Utkarsh Small Finance Bank Interview Questions
I applied via Naukri.com and was interviewed in Jan 2020. There were 4 interview rounds.
As a Credit Manager, my previous key role was overseeing the creditworthiness of customers and managing the credit risk for the company.
Evaluated and analyzed the creditworthiness of potential customers
Established credit limits and terms for customers based on their financial stability
Monitored and managed the credit risk exposure of the company
Implemented credit control measures to minimize bad debt
Worked closely with...
I appeared for an interview before Dec 2020.
I applied via LinkedIn and was interviewed before Nov 2021. There were 3 interview rounds.
You can just prepare well and be confident and you will get selected
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, ...
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
based on 13 interviews
2 Interview rounds
based on 96 reviews
Rating in categories
Customer Service Officer
610
salaries
| ₹1 L/yr - ₹4.5 L/yr |
Assistant Manager
583
salaries
| ₹2.2 L/yr - ₹5.3 L/yr |
Senior Executive
413
salaries
| ₹1.8 L/yr - ₹3.8 L/yr |
Relationship Officer
402
salaries
| ₹1.5 L/yr - ₹3.9 L/yr |
Sales Executive
400
salaries
| ₹1 L/yr - ₹3.6 L/yr |
ICICI Bank
HDFC Bank
Axis Bank
Kotak Mahindra Bank