AmbitionBox
Interview Questions
- Reviews
- Salaries
- Interview Questions
- About Company
- Benefits
- Jobs
- Office Photos
- Community
Add office photos
HDB Financial Services
Compare
Proud winner of ABECA 2025 - AmbitionBox Employee Choice Awards
Filter interviews by
HDB Financial Services Interview Questions and Answers
231 Interview questions
Secured loans require collateral, while unsecured loans do not, impacting risk and interest rates.
Secured loans are backed by collateral (e.g., a house for a mortgage).
Unsecured loans do not require collateral (e.g., personal loans).
Secured loans typically have lower interest rates due to reduced lender risk.
Unsecured loans usually have higher interest rates because they are riskier for lenders.
If the borrower def...
A code of conduct is a set of guidelines that outlines acceptable behaviors and ethical standards within an organization.
Promotes integrity and accountability among employees.
Encourages respectful communication and teamwork.
Sets expectations for professional behavior, such as punctuality and dress code.
Addresses conflicts of interest, ensuring transparency in decision-making.
Provides a framework for handling viola...
Cross-selling involves offering additional products to enhance customer value and increase sales opportunities.
Identify customer needs: Understand the customer's financial situation to suggest relevant products.
Offer insurance products: Propose life or property insurance to protect their loan investment.
Suggest investment options: Recommend mutual funds or savings accounts for better financial planning.
Promote cre...
Assigning targets to agents involves assessing skills, workload, and performance metrics to optimize productivity.
Evaluate each agent's strengths and weaknesses to match them with appropriate targets.
Consider current workload and ensure targets are realistic and achievable.
Use performance metrics from previous assignments to inform target allocation.
Example: If an agent excels in customer service, assign them targ...
The best driving skill is defensive driving, which prioritizes safety and awareness on the road to prevent accidents.
Anticipate the actions of other drivers, such as sudden stops or lane changes.
Maintain a safe following distance to allow for reaction time.
Use mirrors frequently to stay aware of surrounding vehicles.
Adjust speed according to road conditions, such as rain or heavy traffic.
Avoid distractions, such a...
NIP lending refers to Non-Interest Payment lending, focusing on alternative financing methods without traditional interest rates.
NIP lending is designed to provide loans without charging interest, making it more accessible for borrowers.
It often involves fees or profit-sharing models instead of traditional interest rates.
Examples include Islamic finance, where loans are structured to comply with Sharia law, avoidi...
Funding in a NIP profile is based on creditworthiness, repayment capacity, and risk assessment.
Creditworthiness: Assessing the borrower's credit score and history.
Repayment Capacity: Evaluating income and existing financial obligations.
Risk Assessment: Analyzing market conditions and potential risks.
Example: A borrower with a high credit score and stable income may receive higher funding.
An agent possesses skills in communication, problem-solving, and leadership, essential for effective supervision.
Effective Communication: Clearly conveys information to team members, ensuring everyone understands their roles.
Problem-Solving: Quickly identifies issues and implements solutions, such as resolving conflicts between team members.
Leadership: Motivates and guides the team towards achieving goals, exempli...
I possess strong knowledge of MIS reports, Excel, and computer skills essential for effective credit relationship management.
MIS Reports: I can generate and analyze Management Information System reports to track credit performance and identify trends.
Excel Proficiency: I am skilled in using Excel for data analysis, including pivot tables and advanced formulas to manage financial data.
Data Visualization: I can crea...
I thrive under pressure and effectively manage customer escalations by employing strong communication and problem-solving skills.
Active Listening: I ensure I fully understand the customer's concerns by actively listening and asking clarifying questions, which helps in addressing their issues effectively.
Calm Demeanor: During high-pressure situations, I maintain a calm and composed demeanor, which reassures custome...
HDB Financial Services Interview Experiences
919 interviews found
Anonymous
Selected
I appeared for an interview in Apr 2025, where I was asked the following questions.
- Q1. How to do pd how much experience do you have business loan and personal loan ?
- Ans.
Experience in business and personal loans involves assessing creditworthiness and managing client relationships effectively.
Credit Assessment: Evaluating the credit history and financial stability of clients seeking loans, ensuring they meet lending criteria.
Loan Structuring: Designing loan products tailored to the specific needs of businesses or individuals, such as flexible repayment terms.
Risk Management: Identifyin...
- Q2. Expected salary?
- Ans.
Expected salary for a Credit Relationship Manager depends on experience, location, and industry standards, typically ranging from $70k to $120k.
Market Research: It's essential to research industry standards for similar roles in your region to provide a competitive salary expectation.
Experience Level: Consider your years of experience; for instance, a manager with over 10 years may expect a higher salary than someone wi...
- Q3. Have you knowledge about mis report,excel and computer?
- Ans.
I possess strong knowledge of MIS reports, Excel, and computer skills essential for effective credit relationship management.
MIS Reports: I can generate and analyze Management Information System reports to track credit performance and identify trends.
Excel Proficiency: I am skilled in using Excel for data analysis, including pivot tables and advanced formulas to manage financial data.
Data Visualization: I can create ch...
- Q4. How to read cibil report,crif report?
- Ans.
CIBIL and CRIF reports provide insights into credit history, helping lenders assess an individual's creditworthiness.
Credit Score: Both reports include a credit score, typically ranging from 300 to 900, indicating creditworthiness. A score above 750 is considered good.
Credit History: They detail past loans, credit cards, and payment history, showing whether payments were made on time or missed.
Credit Utilization: This ...
- Q5. If you have to go for a collection visit, will you go or not?
- Ans.
Yes, I would go for a collection visit as it is essential for maintaining client relationships and ensuring timely payments.
Building Relationships: Personal visits can strengthen relationships with clients, showing them that we value their business.
Understanding Client Situations: Meeting clients in person allows for a better understanding of their financial situations and challenges.
Negotiation Opportunities: Face-to-...
Selected
I appeared for an interview in Jan 2025.
(5 Questions)
- Q1. Hdfc bank job retirement
- Q2. I am applying for this your company job
- Q3. I am Interested this job
- Q4. What is process this company
- Ans.
The company's process focuses on fostering positive employee relations through effective communication and conflict resolution.
Establishing clear communication channels, such as regular team meetings and feedback sessions.
Implementing conflict resolution strategies, like mediation and open-door policies.
Conducting employee surveys to gauge satisfaction and identify areas for improvement.
Providing training programs for ...
- Q5. My profile this mach your company
Interview Preparation Tips
Ankur singh poonia
Selected
I appeared for an interview in May 2025, where I was asked the following questions.
- Q1. My introduction
- Q2. My skills and hobbies
Interview Preparation Tips
(1 Question)
- Q1. Sellf introduction
- Ans.
Dynamic telecalling professional with 5+ years of experience in sales and customer service, skilled in building relationships and closing deals.
Experienced in telecalling for over 5 years, consistently exceeding sales targets.
Strong communication skills, able to engage customers effectively; for example, I once turned a cold call into a sale worth $10,000.
Proficient in CRM software, which helps in tracking customer int...
Interview Preparation Tips
Selected
Need to discuss on self intro & need to speak on any one topic
(2 Questions)
- Q1. Regarding previous experience
- Q2. KPI & KRA
(2 Questions)
- Q1. About team handling, data Churning, Doing data Allocations
- Q2. About Controlling on Attrition & Shrinkage, Team Management, Client Management, Product delivery as per the client requirements. Target🎯 deliveries.
Selected
I applied via Referral and was interviewed before Nov 2022. There were 2 interview rounds.
(2 Questions)
- Q1. All about Cibil and previous company record
- Q2. All about Cibil
- Ans. All about Cibil
Interview Preparation Tips
3 months notice period
Feels like sales
Fashion Consultant Interview Questions & Answers
HEMA ADABALA (RA2111027010028)
posted on 19 Oct 2024
Dssa ldschf ksjxgh djfkuhw fjshf jhge uhywgh
(3 Questions)
- Q1. Asgdasdg dfaseg kjhsuayhgf kshghb jagtfewsiyhf khffiush kudfxhgew
- Q2. Dsgsaasf dfkjge fghediu uvuhdsiute
- Q3. Dfgfds dfhed fgaeth bvnbrtxgyf
It is learning for so many things
Group discussion process done
(2 Questions)
- Q1. What is your role in previous company?
- Q2. Cibil realated question ❓
Selected
I applied via Walk-in and was interviewed in Oct 2024. There was 1 interview round.
(3 Questions)
- Q1. Service management
- Q2. No issues in fiance service
- Q3. Excellent service
Interview Preparation Tips
I applied via Indeed and was interviewed in Oct 2024. There was 1 interview round.
(3 Questions)
- Q1. What is AMC ?
- Ans.
AMC stands for Asset Management Company, which is a company that manages mutual funds by investing the pooled funds of investors.
AMCs manage mutual funds by investing in various securities such as stocks, bonds, and money market instruments.
They charge a fee for managing the funds, known as the expense ratio.
Examples of AMCs include Vanguard, Fidelity, and BlackRock.
- Q2. What is large cap mid cap small cap
- Ans.
Large cap, mid cap, and small cap refer to the market capitalization of companies, with large cap being the largest and small cap being the smallest.
Large cap companies have a market capitalization typically over $10 billion, such as Apple or Microsoft.
Mid cap companies have a market capitalization between $2 billion and $10 billion, such as Chipotle or Etsy.
Small cap companies have a market capitalization typically un...
- Q3. What is Mutual fund
- Ans.
A mutual fund is a professionally managed investment fund that pools money from many investors to purchase securities.
Mutual funds are managed by professional fund managers
Investors pool their money to invest in a diversified portfolio of securities
Mutual funds offer diversification, liquidity, and professional management
Types of mutual funds include equity funds, bond funds, and money market funds
SIVA PRASAD
Selected
(4 Questions)
- Q1. What is work previous company
- Ans.
In my previous role, I managed collections, resolved disputes, and maintained client relationships to ensure timely payments.
Managed a portfolio of accounts, ensuring timely follow-ups on overdue payments.
Utilized CRM software to track interactions and payment statuses, improving efficiency by 20%.
Resolved customer disputes by investigating issues and negotiating payment plans.
Collaborated with the sales team to addres...
- Q2. Collections types
- Q3. India infoline finance Ltd
- Q4. Current to write off
- Ans.
Current to write off refers to the amount of debt that is deemed uncollectible and removed from the books.
Current to write off is typically determined based on the age of the debt and the likelihood of collection.
It is important for collection associates to regularly review and update the current to write off amount.
Examples of factors that may contribute to a debt being written off include bankruptcy of the debtor or ...
Interview Preparation Tips
Top trending discussions
HDB Financial Services Interview FAQs
The duration of HDB Financial Services interview process can vary, but typically it takes about less than 2 weeks to complete.
Tell us how to improve this page.
HDB Financial Services Interviews By Designations
- HDB Financial Services Sales Executive Interview Questions
- HDB Financial Services Sales Officer Interview Questions
- HDB Financial Services Credit Relationship Manager Interview Questions
- HDB Financial Services Senior Telecalling Officer Interview Questions
- HDB Financial Services Senior Sales Officer Interview Questions
- HDB Financial Services Sales Manager Interview Questions
- HDB Financial Services Junior Officer Interview Questions
- HDB Financial Services Collection Associate Interview Questions
- Show more
Interview Questions for Popular Designations
- Sales Executive Interview Questions
- Sales Officer Interview Questions
- Credit Relationship Manager Interview Questions
- Senior Telecalling Officer Interview Questions
- Senior Sales Officer Interview Questions
- Sales Manager Interview Questions
- Junior Officer Interview Questions
- Collection Officer Interview Questions
- Show more
Overall Interview Experience Rating
based on 1.2k interview experiences
Difficulty level
Duration
Interview Questions from Similar Companies
HDB Financial Services Reviews and Ratings
based on 22.3k reviews
Rating in categories
|
Sales Executive
4.4k
salaries
|  ₹0.5 L/yr - ₹6.1 L/yr |
|
Junior Officer
2.6k
salaries
| ₹0.9 L/yr - ₹4.5 L/yr |
|
Sales Officer
2k
salaries
| ₹0.4 L/yr - ₹5 L/yr |
|
Senior Sales Officer
1.4k
salaries
| ₹0.9 L/yr - ₹5.5 L/yr |
|
Senior Telecalling Officer
1.4k
salaries
| ₹0.4 L/yr - ₹3.5 L/yr |
Shriram Finance
Muthoot Fincorp
Bajaj Finance
IIFL Finance
- Home >
- Interviews >
- HDB Financial Services Interview Questions
