Interviews Questions by Career
Interviews Questions by Company
Interviews Questions by Topic
Get Started
Interview Coach 1:1
Gain the confidence you need by asking our professionals any interview scenario, question, or answer you are unsure about.
Let Us Review Your Answers
Our interviewing professionals will gladly review and revise any answer you send us. Allowing you to craft perfect responses for your next job interview.
Interview Questions by Topic
Interview Questions by Career
Interview Questions by Company

Home Credit A.S. Interview
Questions

27 Questions and Answers by Ryan Brunner
Published July 17th, 2020 | Ryan has over 10 years of experience interviewing
candidates in the healthcare, public service, and private manufacturing/distribution industries.
Job Interviews     Companies     Money     Financial Services    

Question 1 of 27

If you were having an interaction with a client here at Home Credit A.S. and you weren't able to answer their question or solve their problem on your own, how would you handle that situation?

How to Answer
Answer Example
Second Answer Example
1000s of Interview Questions
Win your next job by practicing from our question bank. We have thousands of questions and answers created by interview experts.
Suggested
Interview Q&As
Explore expert tips and resources to be more confident in your next interview.
Behavioral
Common
Phone
Tough
Leadership
All Interview Topics
All Career Q&As

Answer Examples

1.

If you were having an interaction with a client here at Home Credit A.S. and you weren't able to answer their question or solve their problem on your own, how would you handle that situation?

As the forward facing client services representative with Home Credit A.S., you may be asked serious financial or market related questions that either don't know or aren't qualified to answer. In those situations, you will be expected to explain to the customer how that question will be answered and then deliver a timeline on when it can be answered. In the end, the customer wants to know the clear path to ease their mind and it will be your job to do just that.

Ryan's Answer #1

"In my current role in Customer Service with Metropolis' largest automotive dealership, I frequently get asked questions that our sales, finance and service staff have to give the final stamp of approval on in answering customers questions. In these situations, I have a great amount of knowledge where I can prepare the customer for speaking with the right person while also ensuring them that the sales, finance or service staff will provide the final answer. Then, I work quickly to get them to the right person."

Ryan's Answer #2

"In a situation where I didn't know an answer, I would ensure the client that we have the right staff in place that would be able to help them quickly and efficiently. I would communicate to the customer what the next step would be and if that would be me putting them directly in contact with someone or me taking their contact information and having someone get back to them. In the end, setting the right course and timeline would be important for every customer when I faced this situation."

2.

When have you shown a willingness to learn a new method or new approach to solving a problem?

It is a great skill to have when you can approach a problem in a new way. Discuss with the interviewer your ability to approach a problem using modern methods.

Ryan's Answer #1

"When our company came under new management last year many new methods and policies came into place. I was able to learn many new approaches to our challenges in sales and customer management. I quite enjoyed the process."

Ryan's Answer #2

"In my current position, I am faced with learning new sales methods and client approaches on a regular basis. I am always the first to embrace these new sales pitches because I truly believe the bigger diversity we can offer our clients, the better."

3.

Our customers rely on our services outside of normal business hours. Are you able to work a flexible schedule if hired for this position?

Because financial clients can be in need outside of the standard 9-5 business hours, this position with Home Credit A.S. may require the need for you to be flexible with your schedule to accommodate the business needs of the position. Prior to applying for the position, Home Credit A.S. should have posted the expected hours for position for you to have an idea of what will be expected. When answering this question, it is best to be open and honest about what particular needs that you have for expected work hours. As well, it is acceptable to ask follow up questions regarding the work schedule if you need further clarification.

Ryan's Answer #1

"I am able to work a pretty flexible work schedule and have been used to doing this in my current role for the past six years. If I understand the expected hours for this position correctly, it sounds like the standard hours will be 8:00am to 5:00pm on most days with a rotating schedule to help cover evening hours up until 8:00pm and some rotating Saturday coverage as well. Is this correct?"

Ryan's Answer #2

"Having worked a flexible schedule that included early morning hours and hours into the evening, I am very open to a flexible schedule for this position. The only clarification I would need is how a schedule is determined and when I would find out about upcoming schedules if hired for this position. We do have a young child that we would need to plan daycare schedules for and so my spouse and I could coordinate pick ups and drop offs from daycare. Can you shed light on how scheduling works for this position?"

4.

If hired to this role here at Home Credit A.S., what do you see as one initial hurdle you will have to overcome in your first weeks on the job?

At the heart of this question, your interviewer is asking you to take an honest look inside of yourself to discuss what you feel is the biggest learning curve you will have if offered this position. This will give your interviewer a sense of how to handle your onboarding process if hired for the position and give them a sense that you have the ability to see what your biggest need would be. Similar to the what is your greatest weakness question, the key to answering this question is humbly pointing out a flaw that you may see and making a plan for how you will overcome that flaw.

Ryan's Answer #1

"Having put a lot of thought into this even before submitting my resume for this position, I realize that my greatest hurdle would be making the leap as an Auditor into the financial focused industry. My five years of experience out of college have been focused on management and technical consulting services, but I feel that I've built a very good knowledge base and experience for this role here at Home Credit A.S.. If given the opportunity to join your team, my initial focus would be to get enthralled in auditing in the financial industry and I'd do this by being attached at the hip to my colleagues and taking the time to talk one on one with a lot of other staff to help better understand what they'll expect of me in this role."

Ryan's Answer #2

"Understanding that my role here at Home Credit A.S. would have me working with the entire advisory staff, the first hurdle would be getting to know everyone on that team and showcasing the skills that I could bring to their work. If hired for the job, I would hope to be invited to team meetings where I could introduce myself and my role with the team and I'd invite an open conversation with the entire team."

5.

Honesty is of utmost importance to us at Home Credit A.S.. Have you ever taken the fall for a situation, where it was really not your fault, in order to protect a coworker?

Taking the fall for a situation, in order to protect a coworker, is a tricky situation. It can show teamwork but it may not be the most honest thing to do. Talk to the interviewer about your thoughts on taking the fall for something you did not do.

Ryan's Answer #1

"I do not believe in 'taking the fall' for people based on protecting them. Transparency is always a good idea and if something went wrong then it needs to be addressed in order to prevent it from happening again. When it comes to clients, I will apologize on behalf of the company for errors. In that case, I will do what it takes to protect the company's reputation."

Ryan's Answer #2

"I will always help a well-meaning co-worker to save face when necessary. With that said, I will not lie in order to save a coworker from the consequences of their mistakes."

6.

Talk about your experiences working with both fellow Analysts and Accountants within your own firm and with external partners. How do you feel that you will be effective in working with our external candidates in this role here at Home Credit A.S.?

While you are well aware that your career as a Risk Analyst in the financial industry involves many hours behind a desk and plugging away at a computer, Home Credit A.S. will expect that you are an excellent team player with your fellow colleagues. On top of that, you will also have an expectation to be a face of the organization for external clients and stakeholders. While a very open ended question, make sure that you hit on your experiences in working as part of a larger team and explain the skills and personality traits that you'll bring to the table if hired at Home Credit A.S.. Then, be sure to talk about your experiences working with clients and how you do so effectively.

Ryan's Answer #1

"While I was drawn to a career as a Risk Analyst by my love of investigation and technical acumen, I am also a people person at heart. In my current role, I feel fortunate that I get to work with and communicate with all levels of my organization each day. If hired for this position here at Home Credit A.S., you'll quickly find that I am sharp, witty, knowledgeable and a great all around communicator. My excellent communication skills start with face-to-face verbal conversation but also extends to written skills as well."

Ryan's Answer #2

"One of the big draws for me to this role with Home Credit A.S. will be the ability to work closely with your clients to help them analyze their risk. In the roles that I've held as a Junior Risk Analyst up to this point in my career, my interpersonal relationships on the job have been with my colleagues, my Senior Analysts and other from my own organization. As you'll see from my letters of recommendation, I've been commended for my ability to effectively communicate risky situations in a clear, concise and understandable manner and I think the future clients I would work with here would benefit greatly from that ability."

7.

Here at Home Credit A.S., we are expecting someone with strong leadership skills to take this role. How would you describe your management style?

Prior to your interview, try to take a long, hard look inside your skills and styles as a leader of others and prepare to present the best management style possible to your interviewer that fits the role that you are interviewing for with Home Credit A.S.. Your answer should also involve solid research into the culture of Home Credit A.S. and the details of the role you are interviewing for. Some important things to touch on are your ability to promote a team atmosphere and your ability to delegate responsibilities when necessary.

Ryan's Answer #1

"My overall management style is the belief in building a positive team atmosphere. I'm a firm believer that each person and role brings a specific skill set to the ocverall goals and purpose of a team and I promote a team based atmosphere by larifying everyone's role on the team, keeping every person's objectives clear, rewarding great performers on the team and holding people accountable for their actions. If hired for this role at Home Credit A.S., you can be assured that my promotion of a team based atmosphere would help achieve even higher goals than you have set right now."

Ryan's Answer #2

"I think that it is crucial for a leader of others to be flexible in their style rather than relying on just one of the canned management styles. I'd like to highlight my abilities to lead as being a manager that works to grow and develop my staff to help them achieve their career goals and a leader who is able to provide direction and authority when the time for it arises. By knowing my team well and promoting our goals, I have the ability to assign work to the right people and follow through with my team on meeting all objective necessary."

8.

One huge philosophy that we believe in at Home Credit A.S. is professional development. How have you worked to develop yourself professionally throughout your career?

In an ever-changing field like financial services, Home Credit A.S. knows that professional growth and development is vital to them staying at the forefront of their industry. For this question, your interviewer is looking to ensure that your values surrounding professional development match the values of the company. Use this question as an opportunity for you to highlight the many ways that you grow and develop yourself to be the best that you can be in your career. Highlight any continuing education you have completed, any societies or groups that you belong to and any publications that you read on a regular basis that will prove to your interviewer that you aren't comfortable being stagnant in your career.

Ryan's Answer #1

"I am a firm believer in being a life long learner in my work as a Data Analyst. As technology and times have changed over the course of time, I see it as very important to be learning and changing along with the times. Just over the past two years, the Data Fest and Data Summit national conferences and participation in these events on a yearly basis is super important to me to help me grow and develop."

Ryan's Answer #2

"In the financial field, I have to stay at the top of my game to compete with other advisors and keep clients happy and flourishing. To do this, I subscribe to and read many of the great publications that are out there. Some of my favorites include the Wall Street Journal, Money magazine and Forbes. I also subscribe to many others. As well, I am a member of NAIFA and I have attended the organization's Congressional Conference on a few occasions."

9.

We pride ourselves on teamwork here at Home Credit A.S. and this role in Client Services relies on teamwork. What are the top qualities would you would bring to a team based atmosphere here?

At the heart of this question falls your interviewers need to determine how well you will work with others on the team at Home Credit A.S.. You will be working with high level advisors and managers that are under a lot of pressure to perform in their jobs and your communications with them will either alleviate some of that stress or add to it. To ensure that your interviewer walks away from your conversation knowing that you are a team player that keeps the end goals of the company in mind, focus your answer on your effective communication skills, your knowledge of everyone's role on the team and your knowledge of what your role on the team will be.

Ryan's Answer #1

"As with any team that I have worked on in the past, my priority is knowing that everyone has an important piece in the overall success of the team. In customer service, this is knowing who to contact with the right questions and who to guide customers to when needed. This ensures that our work is done efficiently on our end of things and that our customers are handled efficiently and effectively. If hired here at Home Credit A.S., my first goal would be to get to know everyone on the team that I would work with, what their roles are and how to best communicate with them."

Ryan's Answer #2

"My top quality is my ability to communicate, both verbally and through writing. I have excellent interpersonal speaking and listening skills and my past colleagues have always appreciated this. Here at Home Credit A.S., your clients would appreciate this in my work as well. I am a very efficient and effective written communicator as well and this would be very beneficial at a company like Home Credit A.S., where your offices are spread throughout the country and I can imagine that email communication is vitally important."

10.

Pretend an old friend just awoke from a coma that lasted over 30 years. How would you describe the internet to them?

A common tactic used in interviews for Risk Analysts is making you think on your feet. This brain teaser question, or any similar to it, will judge your thoughts processes to come up with an answer rather than what your final answer is as this is a very open ended question. As you provide an answer to this question, make sure that you explain why you are coming up with your answer and your thought process behind them. A solid thought process on your end shows that you can be analytical and while creatively solving problems using your critical thinking skills.

Ryan's Answer #1

"Just like my role as a Risk Analyst, the most important thing that I could do in this situation would be to relate it to everyday things that the person would be familiar with. I would explain that the internet is a combination of television, mail, telephone, the local library and an old computer all put into one place. Each one of those components would help explain things like email, YouTube and all of the other life altering things about the internet. To really throw them for a loop at the end to blow their mind, I'd have to let them know that their local grocery store is also available too!"

Ryan's Answer #2

"I think that the best way to make it easy to understand would be to start explaining it in its simplest format and then expand from there. I'd draw two neighboring houses and show how the computers in each house can connect to send electronic mail, pictures, videos and information to each other. Then, I'd expand this out over the entire world where we are all connected with all of the feature of the internet. A simplified approach like this is also necessary in our work as Risk Analysts in the financial arena and it really helps people grasp new and very complicated things quickly."

11.

Which accounting platforms are you familiar working with?

Coming to work for Home Credit A.S. as an accountant, your interviewer is looking to hear how fluent you are in working on the technical side of the job. Talk about your experience in working with some of the many accounting programs. No matter which programs you are familiar working with, make sure that your interviewer has the clear understanding that your readily adaptable to working on any program and that you understand the importance these platforms play in your work.

Ryan's Answer #1

"As you can see from my resume, my experience over the past 15 years has placed me in a few different industries. With each industry has come experience working with many accounting software programs. I have worked in Infor, QuickBooks, Net Suite and Patriot Accounting over the last five years alone. While they all have their features and benefits that are catered to each industry, I've found myself able to learn systems proficiently and adapt my work to the needs of the systems. If hired here at Home Credit A.S., you can rest assured knowing that I would pick up any systems with ease."

Ryan's Answer #2

"In my current role, I work exclusively with SBS Financials Suite. I love its ability to custom create reports that are reusable over time and adaptable to be able to use with different internal customers. I also love the budgeting and electronic invoice approval features of this system. In knowing other systems like Workday and QuickBooks, I am confident in my ability to pick-up and work on just about any system quickly and efficiently."

12.

What software programs do you use in your current work and how adaptable would you say that you are in learning and using new programs?

Overall, your interviewer is simply looking to hear that you have a good grasp on programs to use to make you more efficient in your work and to do this, talk open and honestly about the programs that you currently use and talk about in what context that you use them. If at all possible with this role, try to research what additional programs you may have to learn if given this opportunity to join Home Credit A.S. and reassure your interviewer that your computer skills are fluent enough to pickup quickly if needed.

Ryan's Answer #1

"In my current role, I currently use a program called Zendesk that is an interactive customer support tool. When we started to use this tool a little over a year ago, I was very quick to learn and utilize all of the great functions of the program and have since become a trainer for new staff that join our team. As well, I'm very fluent in the entire Microsoft suite of products and would consider myself an expert on the Outlook, Excel and Word programs."

Ryan's Answer #2

"I consider myself very agile when it comes to using and appreciating the vast amount of software that is available to Financial Advisors today. In my current role, I solely use RightCapital as a financial advising tool with my clients. I really love its ability to help in the budgeting and comprehensive planning processes with my clients. I'm also very familiar with the MoneyGuidePro tool and have used it successfully in the past. If hired for this role, you can consider me an open book when it comes to learning and effectively utilizing any programs needed."

13.

If you joined the team here at Home Credit A.S., how would you build relationships with those that you would be working closely with?

For this question, your interviewer will be looking to get the sense that you would be proactive about getting to know your colleagues and fitting into the culture of the organization. Use a personal approach to talk about ways that you have done this in the past and how you would do it if hired for this position. Talk about the importance of relationship building in your line of work and how it helps the overall good of the organization if you take the initiative to do this.

Ryan's Answer #1

"From my first day on the job, I would take the time to break the ice with my colleagues by introducing myself and setting up an individual meeting with each person. In the past, I've done these meetings over lunch or in an office where I've had questions prepared for me to get to know the person both personally and professionally. I want to ask my colleagues what they expect from me and what I can expect from them. I've found that these conversations really help to open up doors for working with each other moving forward."

Ryan's Answer #2

"Being the new person on the job can be a very high anxiety time for some people, but I love the opportunity to break the ice with my coworkers by making that first contact. I think it's important to get to know each other on a personal level because we spend so much of our lives together in the workplace and I am a caring person that wants to know how last night's soccer game went for the kids. Beyond that first ice breaking conversation, my work relationships are then bonded through my work ethic and helping others on my team to show that I am a true team player."

14.

We pride ourselves on our interdepartmental teamwork here at Home Credit A.S.. If hired for this role, what kind of team player could we expect you to be?

In the financial world, teamwork at an organization is the key to success and life at Home Credit A.S. is no different. As you talk about your abilities and experiences in being a great team player, try to highlight certain themes like building trust, gaining respect and being a subject matter expert as part of a larger team. Don't hesitate to show flexibility in your ability to both lead others and be lead by others and use examples of times that you've done both. To seal your answer for this question, talk about your desire to work as part of a team and do your research on this position to find out what types of colleagues you will be working with.

Ryan's Answer #1

"My colleagues that I work closely with would tell you that I'm knowledgeable in my area of expertise to contribute to the much larger team and do so without hesitation. As well, I'm able to communicate effectively, take direction and run with when needed and always willing to help out other areas if I have free time. I understand that I would be working very closely with the Advising staff here at Home Credit A.S. and know that they would have high expectations out of my work."

Ryan's Answer #2

"I prefer to work in an environment that promotes teamwork and collegiality. If I were fortunate enough to join the team here, I want you to know that I love being in a leadership type role on a team where I can delegate work and help train others to better the organization. As well, I also thrive in a role where I am the minion and taking direction from others. I'd say that my key skills in working as a team are my ability to friendly, honest and trustworthy with my team."

15.

The day-to-day life at Home Credit A.S. can be hectic and stressful at times. If hired for this role, how would you keep yourself motivated when working with stressed colleagues and pushy clients?

The daily life at Home Credit A.S. is naturally very fast paced and because of that, both the colleagues and the clients that you may be working with have potential to be stressed, needy and downright mean at times. For this question, your interviewer is looking to get a sense that you would be able to work in this type of environment. In your answer, talk about the fact that you are cognizant of what this job entails as far as personal interactions go and talk about times where you have worked successfully through situations like this in the past. As well, don't hesitate to talk about your own personality traits that help you thrive in these types of situations.

Ryan's Answer #1

"Being a person that thrives in a fast paced work environment, I have the ability to handle stressed colleagues with a grain of salt. As you can see from my resume, I've spent the last five years in the manufacturing industry where my department worked under tight deadlines all of the time. If I noticed that a colleague was under stress, I offered my help if I was able to and down the road that was usually reciprocated back to me. This unselfish attitude and realizing that someone else's stress wasn't directed at me was the key to maintaining personal health and balance on the job."

Ryan's Answer #2

"In my current role in client services with a large hospitality group, some days can go off the rails and it feels like I'm working with enraged customers all day long. I have the attitude that their anger isn't directed towards me, but I'm the face of the company that they are currently working with and I need to do my job in helping solve their issue. While I do have great resources at my hand to help solve customer issues, I think that taking the time to get to know all of our management team and how they solve problems is key as well so I know who to put customers in touch with if needed."

More Interview Q&As
Explore expert tips and resources to be more confident in your next interview.
Behavioral
Common
Phone
Tough
Leadership
All Interview Topics
All Career Q&As
27 Home Credit A.S. Interview Questions
Win your next job by practicing from our question bank. We have thousands of questions and answers created by interview experts.

Interview Questions

  1. If you were having an interaction with a client here at Home Credit A.S. and you weren't able to answer their question or solve their problem on your own, how would you handle that situation?
  2. When have you shown a willingness to learn a new method or new approach to solving a problem?
  3. Our customers rely on our services outside of normal business hours. Are you able to work a flexible schedule if hired for this position?
  4. If hired to this role here at Home Credit A.S., what do you see as one initial hurdle you will have to overcome in your first weeks on the job?
  5. Honesty is of utmost importance to us at Home Credit A.S.. Have you ever taken the fall for a situation, where it was really not your fault, in order to protect a coworker?
  6. Talk about your experiences working with both fellow Analysts and Accountants within your own firm and with external partners. How do you feel that you will be effective in working with our external candidates in this role here at Home Credit A.S.?
  7. Here at Home Credit A.S., we are expecting someone with strong leadership skills to take this role. How would you describe your management style?
  8. One huge philosophy that we believe in at Home Credit A.S. is professional development. How have you worked to develop yourself professionally throughout your career?
  9. We pride ourselves on teamwork here at Home Credit A.S. and this role in Client Services relies on teamwork. What are the top qualities would you would bring to a team based atmosphere here?
  10. Pretend an old friend just awoke from a coma that lasted over 30 years. How would you describe the internet to them?
  11. Which accounting platforms are you familiar working with?
  12. What software programs do you use in your current work and how adaptable would you say that you are in learning and using new programs?
  13. If you joined the team here at Home Credit A.S., how would you build relationships with those that you would be working closely with?
  14. We pride ourselves on our interdepartmental teamwork here at Home Credit A.S.. If hired for this role, what kind of team player could we expect you to be?
  15. The day-to-day life at Home Credit A.S. can be hectic and stressful at times. If hired for this role, how would you keep yourself motivated when working with stressed colleagues and pushy clients?
  16. Accuracy is important to us at Home Credit A.S.. Do you always double check or proofread your work?
  17. Think back over your career up to today and tell me about the most difficult day on the job you encountered. What made the day difficult and how did you handle that situation?
  18. If hired for this role with Home Credit A.S., how would handle a large a work load of clients working through a mortgage process.
  19. Customer service is the name of our game at Home Credit A.S.. If hired for this role, how would you be able to provide the best customer service possible to our clients?
  20. Our clients here at Home Credit A.S. expect top-tier service and products and we will expect you to do just that in this role. Have you ever went the extra mile for a client when it wasn't expected? Why did you do so?
  21. At Home Credit A.S., we pride ourselves on providing the best overall customer experience. Talk about your customer service experience and explain why it will help our clients here.
  22. Talk about your experience in mortgage loan closing. How would this experience be beneficial to our team here at Home Credit A.S.?
  23. List the top 3 skills that you have acquired in your last role.
  24. Our Mortgage Advisors at Home Credit A.S. are relied upon to be experts on the current housing markets by our clients. What experience do you have in housing markets that can relate well to this role?
  25. What is your familiarity with debt-to-equity ratios and what would you consider a good debt-to-equity ratio?
  26. To help us understand your need for initial training and orientation in this role with Home Credit A.S., can you tell me what financial software you have familiarity working on?
  27. The clients of a financial firm like Home Credit A.S. can display an arrange of emotions when they work with our Client Services team. How would you handle a situation where a client was very angry?
Disclaimer
Our interview questions and answers are created by experienced recruiters and interviewers. These questions and answers do not represent any organization, school, or company on our site. Interview questions and answer examples and any other content may be used else where on the site. We do not claim our questions will be asked in any interview you may have. Our goal is to create interview questions and answers that will best prepare you for your interview, and that means we do not want you to memorize our answers. You must create your own answers, and be prepared for any interview question in any interview.
Learn more about what we believe >
Read our Terms of Use for more information >