HDFC Bank It Manager Interview Questions
& Process
Real candidates share what happened, how many rounds they had,
and how the experience turned out.
Based on 40 interview experiences · FREE TO READ
Candidate interview experiences
First-hand accounts from people who interviewed at HDFC Bank.
HDFC Bank
Credit Manager
Senior Average Positive experience Decline offer 3 rounds
Interview process
Recruiter call Phone screen Technical screen Offer
Interview formats
Technical Behavioral
It was a three round of interview. They checked the knowledge in depth. I had already a 4 years of experience in credit lending. It was on call interview. Last round of interview was with the Area head and by that time I guess they made up their mind to give offer or not.
Confirmed questions2 questions
- How would you assess a company's efficiency?
- What methods can be used to verify funded limit utilization without reviewing bank statements?
HDFC Bank
Credit Manager
Mid Average Positive experience No offer 2 rounds
Interview process
Recruiter call Technical screen Onsite
Interview formats
Behavioral Technical
So the interview process was like this: First, they asked me to tell them about myself, then some resume-based questions. After that, it was a bunch of banking and finance-related questions. They asked about CIBIL, working capital, assessing borrowers, financial ratios like leverage and debt-to-equity, NPAs, repo rates, CRR, SLR, KYC, and the role of a credit manager. Also covered interest coverage and debt coverage ratios, OD vs CC, tax audits, ICICI share price, letter of credit, negative working capital, bank rate, loan process, internal vs external ratings, and CIBIL vs CRISIL ratings. Basically, a lot of technical stuff.
Confirmed questions8 questions
- Regarding your compensation expectations, what was your previous CTC and what do you expect now?
- There were numerous banking-related queries, such as the distinction between CC and OD accounts, the difference between secured and unsecured loans, and the rationale behind banks favoring unsecured loans despite the availability of collateral.
- 1-tell me about ur self 2-resume based questions 3-what is cibil,cibil score 4-what is working capital 5-how to assess credit worthiness of borrower. 6-financial leverage ratios 7-debt equity ratio 8-what is npa and types of NPA 9-repo rate ,reverse repo,CRR,SLR 10-what is kyc 11-what is our role as a credit manager 12-interest coverage ratio,debt coverage ratio. 13-difference between OD and CC 14-tax audit in breif and how many clauses is their ,sec 44AD 15-share price of icici. Letter of credit. Negative working capital good or bad. Bank rate meaning Loan process. All ratio. Different between intetnal rating and external rating. Different between cibil and crisil rating.
HDFC Bank
Credit Manager
Mid Average Neutral experience Accept offer 1 round
Interview process
Recruiter call
Interview formats
Behavioral Technical
Interview was scheduled through icai campus placement in July 22. It was a short interview, only about 10 minutes long. It covered basic questions like introduction, understanding of the credit manager role, credit analysis, financial statement analysis, key ratios, DSCR, CIBIL score, and preferred location.
Confirmed questions8 questions
- Tell me about yourself.
- What do you know about the Credit Manager position?
- Can you explain what credit analysis entails?
HDFC Bank It Manager Interview Questions
Quoted word for word from HDFC Bank interview reports.
“Can you name the current governor of the Reserve Bank of India?”
Read reports →“What is Non-Performing Asset (NPA) and what are its different types?”
Read reports →“Which financial ratios are most crucial for analyzing a borrower's balance sheet and income statement?”
Read reports →“Can you explain the debt service coverage ratio and its meaning?”
Read reports →“What is a CIBIL score and report, and how do you use them?”
Read report →“Is it good or bad to have negative working capital?”
Read report →“What constitutes an ideal debt-to-equity ratio, and what is credit appraisal?”
Read report →“Could you explain what the Debt service coverage ratio is?”
Read report →“What is the role of banks in the current economic scenario?”
Read report →Formats, difficulty and experience
Across all 40 HDFC Bank interview reports.