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Yes Bank Credit Manager Interview Questions and Answers

Updated 13 May 2024

Yes Bank Credit Manager Interview Experiences

7 interviews found

Interview experience
4
Good
Difficulty level
Moderate
Process Duration
Less than 2 weeks
Result
Selected Selected

I applied via Naukri.com and was interviewed in Jan 2023. There were 2 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 Resume tips
Round 2 - Technical 

(2 Questions)

  • Q1. Tell me about yourself
  • Q2. How will you analyse a Balance Sheet
  • Ans. 

    Analyzing a balance sheet involves examining assets, liabilities, and equity to determine financial health.

    • Start by calculating the current ratio to assess liquidity

    • Examine the debt-to-equity ratio to evaluate leverage

    • Analyze the inventory turnover ratio to assess efficiency

    • Look at the return on equity to evaluate profitability

    • Compare the balance sheet to previous periods and industry benchmarks

    • Consider any off-balance...

  • Answered by AI

Interview Preparation Tips

Interview preparation tips for other job seekers - Prepare for financial ratios and Job Role. Know about the company

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Interview experience
4
Good
Difficulty level
-
Process Duration
-
Result
-
Round 1 - Resume Shortlist 
Pro Tip by AmbitionBox:
Do not use an unprofessional email address such as cool_boy@email.com. It shows a lack of professionalism by the candidate.
View all Resume tips
Round 2 - HR 

(1 Question)

  • Q1. Why you want to join yes Bank
Round 3 - One-on-one 

(1 Question)

  • Q1. Dscr, 5 cs of credit, family background,

Credit Manager Interview Questions Asked at Other Companies

asked in HDFC Bank
Q1. If a client comes to take a loan & he haven't got any type of ... read more
asked in ICICI Bank
Q2. What are the most important ratios to analyse the balance sheet a ... read more
asked in HDFC Bank
Q3. A client comes & he wants a big loan to fund his long-term pr ... read more
asked in ICICI Bank
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
4
Good
Difficulty level
Moderate
Process Duration
Less than 2 weeks
Result
Selected Selected

I applied via Approached by Company and was interviewed in Feb 2023. 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 Resume tips
Round 2 - HR 

(2 Questions)

  • Q1. Tell me your personal details
  • Q2. Why do you want to join this job

Interview Preparation Tips

Interview preparation tips for other job seekers - Must have knowledge of credit analysis of unsecured business loans. Should have ability to work for more than 12 hours and also on weekends.

Credit Manager Interview Questions & Answers

user image Shivanshu Bansal

posted on 13 May 2024

Interview experience
5
Excellent
Difficulty level
Moderate
Process Duration
4-6 weeks
Result
Selected Selected

I applied via Referral and was interviewed before May 2023. There was 1 interview round.

Round 1 - One-on-one 

(1 Question)

  • Q1. Basic about credit understanding

Yes Bank interview questions for designations

 Credit Risk Manager

 (1)

 Credit Administration Manager

 (1)

 Relationship Manager

 (20)

 Branch Manager

 (8)

 Collections Manager

 (1)

 Assistant Credit and Risk Manager

 (1)

 Treasury Manager

 (1)

 Deputy Branch Manager

 (10)

I applied via Walk-in and was interviewed in Aug 2022. There was 1 interview round.

Round 1 - Credit card 

(4 Questions)

  • Q1. Using computer update
  • Ans. Yes I am using computer Excel tally
  • Answered Anonymously
  • Q2. Which product selling banking sector,?
  • Ans. 

    The banking sector sells a variety of products, including loans, credit cards, savings accounts, and investment products.

    • Loans: personal loans, home loans, car loans, business loans

    • Credit cards: rewards cards, cashback cards, travel cards

    • Savings accounts: high-interest savings accounts, term deposits

    • Investment products: mutual funds, stocks, bonds

  • Answered by AI
  • Q3. Who's processing credit card
  • Ans. 

    Credit card processing is done by various companies such as Visa, Mastercard, American Express, and Discover.

    • Credit card processing is handled by payment processors such as Stripe, PayPal, and Square.

    • Merchants can also use their own payment gateway to process credit card transactions.

    • Credit card processing involves authorization, settlement, and funding.

    • Security measures such as encryption and tokenization are used to

  • Answered by AI
  • Q4. Walking customer in bank

Interview Preparation Tips

Interview preparation tips for other job seekers - Nothing special just I received mail and I am applying
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 Resume tips
Round 2 - One-on-one 

(1 Question)

  • Q1. Tell me about your role

Interview Preparation Tips

Interview preparation tips for other job seekers - Breif about your role, smooth Direct answers

Credit Manager Jobs at Yes Bank

View all
Interview experience
4
Good
Difficulty level
Easy
Process Duration
Less than 2 weeks
Result
Selected Selected

I applied via Referral and was interviewed before Mar 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 Resume tips
Round 2 - One-on-one 

(2 Questions)

  • Q1. It was situation based question followed by geographical knowledge and knowledge of the business in the srea
  • Q2. Questions about financials

Interview Preparation Tips

Interview preparation tips for other job seekers - Easy. Just know the basics of the role applied for

Interview questions from similar companies

I was interviewed 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 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 Nov 2020. There were 3 interview rounds.

Interview Questionnaire 

1 Question

  • Q1. Regarding previous experience with organisation. Things related to same.

Interview Preparation Tips

Interview preparation tips for other job seekers - Before hand get some idea about the job role ask you refrences. Do your homework and dont be shy for asking questions beforehand to maximise the knowlegdge.
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Yes Bank Interview FAQs

How many rounds are there in Yes Bank Credit Manager interview?
Yes Bank interview process usually has 1-2 rounds. The most common rounds in the Yes Bank interview process are Resume Shortlist, One-on-one Round and HR.
How to prepare for Yes 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 Yes Bank. The most common topics and skills that interviewers at Yes Bank expect are Credit Underwriting, Credit Appraisal, Credit, Credit Risk Management and hl.
What are the top questions asked in Yes Bank Credit Manager interview?

Some of the top questions asked at the Yes Bank Credit Manager interview -

  1. How will you analyse a Balance Sh...read more
  2. Which product selling banking secto...read more
  3. Who's processing credit c...read more

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Yes Bank Credit Manager Interview Process

based on 9 interviews

1 Interview rounds

  • Resume Shortlist Round
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Yes Bank Credit Manager Salary
based on 442 salaries
₹4.1 L/yr - ₹14.9 L/yr
9% more than the average Credit Manager Salary in India
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Yes Bank Credit Manager Reviews and Ratings

based on 65 reviews

3.3/5

Rating in categories

3.4

Skill development

3.5

Work-life balance

3.3

Salary

3.6

Job security

3.4

Company culture

3.1

Promotions

3.3

Work satisfaction

Explore 65 Reviews and Ratings
Credit Manager-Channel Finance

Noida

2-7 Yrs

₹ 6.7-9 LPA

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