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Utkarsh Small Finance Bank Credit Manager Interview Questions, Process, and Tips

Updated 13 Dec 2023

Top Utkarsh Small Finance Bank Credit Manager Interview Questions and Answers

View all 6 questions

Utkarsh Small Finance Bank Credit Manager Interview Experiences

6 interviews found

Interview experience
5
Excellent
Difficulty level
Moderate
Process Duration
Less than 2 weeks
Result
Selected Selected

I applied via Approached by Company and was interviewed in Jul 2023. There were 3 interview rounds.

Round 1 - Resume Shortlist 
Pro Tip by AmbitionBox:
Don’t add your photo or details such as gender, age, and address in your resume. These details do not add any value.
View all tips
Round 2 - One-on-one 

(1 Question)

  • Q1. About Job Related questions
Round 3 - HR 

(1 Question)

  • Q1. Salary Discussion and personal Discussion

Interview Preparation Tips

Interview preparation tips for other job seekers - Always positive thinking
Interview experience
5
Excellent
Difficulty level
Moderate
Process Duration
2-4 weeks
Result
Selected Selected

I applied via Naukri.com and was interviewed in Jul 2022. 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 

(6 Questions)

  • Q1. What is underwriting
  • Ans. 

    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...

  • Answered by AI
  • Q2. How to assess the income of Assess the SENP segment
  • Ans. 

    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

  • Answered by AI
  • Q3. What is the three pillar of the any loan eligibility
  • Ans. 

    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

  • Answered by AI
  • Q4. What you find the in technical report
  • Ans. 

    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...

  • Answered by AI
  • Q5. How to check legal report and what is the incumbrance
  • Ans. 

    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

  • Answered by AI
  • Q6. Which document is mandatory for in case of the partnership firm

Interview Preparation Tips

Interview preparation tips for other job seekers - I will always suggest to every job seeker before attending any interview you have to update your knowledge according to the job role and product basic knowledge and moderate knowledge should be get before any interview

Credit Manager Interview Questions Asked at Other Companies

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Q4. Which clauses are important in 3CD while sanctioning loan
asked in ICICI Bank
Q5. What are the key skills of credit manager?
Interview experience
5
Excellent
Difficulty level
Hard
Process Duration
Less than 2 weeks
Result
Selected Selected

I applied via Recruitment Consulltant and was interviewed before Dec 2022. There were 2 interview rounds.

Round 1 - Resume Shortlist 
Pro Tip by AmbitionBox:
Properly align and format text in your resume. A recruiter will have to spend more time reading poorly aligned text, leading to high chances of rejection.
View all tips
Round 2 - One-on-one 

(3 Questions)

  • Q1. Financial Analysis BBG Underwriting process.
  • Q2. Working experience detials Performance in past companies
  • Ans. 

    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

  • Answered by AI
  • Q3. Salary expectation and other perks

Interview Preparation Tips

Interview preparation tips for other job seekers - Be good at your basics and concepts

Credit Manager Interview Questions & Answers

user image gajendra dubey

posted on 21 Dec 2021

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

Interview Questionnaire 

1 Question

  • Q1. Product Knowledge , Financial Knowledge like ITR ,GST ,Banking , Property d

Interview Preparation Tips

Interview preparation tips for other job seekers - Be prepare for details and deep knowledge of financial

Utkarsh Small Finance Bank interview questions for designations

 Area Credit Manager

 (1)

 Credit Officer

 (7)

 Credit Analyst

 (1)

 Senior Credit Officer

 (1)

 Relationship Manager

 (5)

 Branch Manager

 (3)

 Assistant Branch Manager

 (4)

 Branch Sales Manager

 (3)

I applied via Company Website and was interviewed in Mar 2021. There were 4 interview rounds.

Interview Questionnaire 

1 Question

  • Q1. About yourself, current job profile, work experience, case study, relocation issue

Interview Preparation Tips

Interview preparation tips for other job seekers - Be yourself and represent well. No need to panic. Answer calming and practice some common questions to answer.

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.

Interview Questionnaire 

1 Question

  • Q1. About previous key role?
  • Ans. 

    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...

  • Answered by AI

Interview Preparation Tips

Interview preparation tips for other job seekers - Hiii
I am safe and hope you all also safe.
If talking about interview than I would like to tell that this interview was a very technical. The interviewer wanted to test my working experience and soft skill. Mostly questions asked to my working experience. And his focus on curriculum also, like what have mentioned there, but I was enjoying my interview.

Credit Manager Jobs at Utkarsh Small Finance Bank

View all

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

Utkarsh Small Finance Bank Interview FAQs

How many rounds are there in Utkarsh Small Finance Bank Credit Manager interview?
Utkarsh Small Finance Bank interview process usually has 2-3 rounds. The most common rounds in the Utkarsh Small Finance Bank interview process are Resume Shortlist, One-on-one Round and HR.
How to prepare for Utkarsh Small Finance Bank Credit Manager 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 Utkarsh Small Finance Bank. The most common topics and skills that interviewers at Utkarsh Small Finance Bank expect are Credit Appraisal, Banking, Credit Underwriting, Credit Management and Credit Evaluation.
What are the top questions asked in Utkarsh Small Finance Bank Credit Manager interview?

Some of the top questions asked at the Utkarsh Small Finance Bank Credit Manager interview -

  1. Which document is mandatory for in case of the partnership f...read more
  2. What is the three pillar of the any loan eligibil...read more
  3. How to assess the income of Assess the SENP segm...read more

Tell us how to improve this page.

Utkarsh Small Finance Bank Credit Manager Interview Process

based on 13 interviews

2 Interview rounds

  • Resume Shortlist Round
  • One-on-one Round
View more
Utkarsh Small Finance Bank Credit Manager Salary
based on 279 salaries
₹2 L/yr - ₹8.6 L/yr
38% less than the average Credit Manager Salary in India
View more details

Utkarsh Small Finance Bank Credit Manager Reviews and Ratings

based on 96 reviews

3.6/5

Rating in categories

3.4

Skill development

3.4

Work-life balance

3.4

Salary

3.7

Job security

3.4

Company culture

3.2

Promotions

3.4

Work satisfaction

Explore 96 Reviews and Ratings
Chief Manager- Credit Risk

Varanasi

8-13 Yrs

Not Disclosed

Credit Manager-Unsecured Business Loan

Chennai,

Bangalore / Bengaluru

3-7 Yrs

₹ 2.65-9.35 LPA

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