India Ratings & Research Interview Questions and Answers

Q1. Opinion about the renewable energy sector and opportunities and challenges ahead
Ans. 
The renewable energy sector is vital for sustainable growth, presenting both significant opportunities and challenges for the future.
• Growing demand for clean energy solutions as countries commit to net-zero emissions by 2050.

• Technological advancements in solar and wind energy, such as improved efficiency and storage solutions.

• Investment opportunities in emerging markets, particularly in solar energy in regions like Afr...read more
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Q2. Discussion about various parameters and analysis required for assessing the project finance proposals
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Q1. Runthrough your resume
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Q2. Current work profile, qtns related to the work analysis
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Q1. What is DSCR? What is RoCE?
Ans. 
DSCR stands for Debt Service Coverage Ratio and RoCE stands for Return on Capital Employed.
• DSCR is a financial ratio used to measure a company's ability to pay its debts.

• It is calculated by dividing the company's net operating income by its total debt service.

• A DSCR of 1 or higher indicates that the company is generating enough income to cover its debt obligations.

• RoCE is a financial ratio used to measure a company's e...read more
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Q1. Tell us about credit worthiness What is working capital management
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Credit worthiness refers to a borrower's ability to repay a loan. Working capital management is the process of managing a company's short-term assets and liabilities.
• Credit worthiness is determined by factors such as credit score, income, and debt-to-income ratio.

• Lenders use credit worthiness to assess the risk of lending money to a borrower.

• Working capital management involves managing a company's cash, inventory, and ...read more
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Q1. What location? Expected CTC etc
Ans. 
The location and expected CTC will depend on the specific job opening.
• The location will be determined by the company's needs and may vary depending on the job opening.

• The expected CTC will also depend on the job opening and the candidate's qualifications.

• It is best to discuss specific location and salary details during the interview process.
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Q1. Liquidity ratios
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Q1. Fundamental analysis of credit
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Fundamental analysis of credit involves evaluating the financial health of a borrower to determine their creditworthiness.
• Assessing the borrower's income, expenses, assets, and liabilities

• Analyzing the borrower's credit history and credit score

• Evaluating the borrower's ability to repay the loan

• Examining the borrower's industry and market trends

• Considering macroeconomic factors that may impact the borrower's ability to ...read more
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Q2. Risk drivers in NBFCs
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Risk drivers in NBFCs
• Lack of diversification in loan portfolio

• Dependency on short-term funding sources

• Inadequate risk management practices

• Exposure to external factors such as economic downturns

• Lack of regulatory oversight

• Fraudulent activities by employees or borrowers
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Q3. Approach to rating NBFC which has a manufacturing parent
Ans. 
The approach to rating an NBFC with a manufacturing parent involves analyzing the parent's financial strength and the NBFC's business model.
• Assess the parent company's creditworthiness and financial stability

• Evaluate the NBFC's business model and its relationship with the parent company

• Analyze the NBFC's risk management practices and regulatory compliance

• Consider the industry and market conditions in which the NBFC ope...read more
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Q4. Past work experience
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Credit analysis on one of the NBFCs

Q1. Past experience relevant to current role
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Q2. Same questions in round 2
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