APPS Team Technologies Junior Associate Interview Questions and Answers

Q1. Tell me about yourself
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I am a dedicated and detail-oriented analyst with a strong background in data analysis and problem-solving.
• I have a Bachelor's degree in Statistics from XYZ University.

• I have 3 years of experience working as a data analyst at ABC Company.

• I am proficient in using statistical software such as R and Python for data analysis.

• I have a proven track record of delivering actionable insights to drive business decisions.
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Q2. Tell me about your background
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I have a strong background in finance with a focus on data analysis and forecasting.
• Bachelor's degree in Finance from XYZ University

• 3 years of experience as a financial analyst at ABC Company

• Proficient in Excel, SQL, and data visualization tools like Tableau

• Strong analytical skills and attention to detail

• Experience in creating financial models and forecasting reports
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Q1. Why are you interested in Finance?
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Q2. What do you understand about securitization?
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Securitization is the process of pooling various types of debt and selling them as securities to investors.
• Securitization involves bundling together various types of debt, such as mortgages, auto loans, or credit card debt.

• These debts are then sold to investors in the form of securities, such as bonds or asset-backed securities.

• Investors receive payments based on the underlying debt, while the issuer of the securities ...read more
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Q1. Probability related questions
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Q2. Logic Puzzles, like Josephus problem.
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Duration-60min, topics covered- financial literacy, logical thinking, reasoning and General awareness

Q1. What is the difference between EBIT and EBITDA
Ans. 
EBIT is earnings before interest and taxes, while EBITDA is earnings before interest, taxes, depreciation, and amortization.
• EBIT excludes depreciation and amortization expenses, while EBITDA includes them.

• EBITDA provides a clearer picture of a company's operating performance by removing the impact of non-operating expenses.

• EBIT is commonly used to analyze profitability, while EBITDA is often used to assess a company's ...read more
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Q2. How decrease of 10% depreciation would affect financial statements
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A 10% decrease in depreciation would result in higher net income and retained earnings on the financial statements.
• Net income would increase as depreciation expense is lower, leading to higher profits.

• Retained earnings would also increase as net income contributes to this account.

• The company's assets would appear higher on the balance sheet due to lower accumulated depreciation.

• Investors may view the company more favor...read more
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Basic Excel, Accounts and Critical Thinking MCQ's

Q1. Asked about previous experience, roles and responsibilities. Some questions related to how cash flows are effected and how to improve.
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Q1. Self introduction, challenges you have faced in your current job.
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Q2. Current role and responsibilities.
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Q3. Excel formula, alternative for VLOOKUP, formulas that you use on daily basis.
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Q1. Salary Negotiation, Make a good research, unfortunately i didn't do prope negotiation
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Q1. What is securitization?
Ans. 
Securitization is the process of converting illiquid assets into marketable securities.
• Securitization involves pooling together assets such as mortgages, auto loans, or credit card debt.

• These assets are then sold to a special purpose vehicle (SPV) which issues securities backed by the cash flows from the assets.

• Investors can then buy these securities, which offer a return based on the cash flows from the underlying ass...read more
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Q2. Walk me through your CV
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Q3. How do you arrive at the terminal growth rate while preparing a financial model?
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The terminal growth rate is arrived at by considering the long-term growth prospects of the company.
• Consider the industry growth rate and the company's historical growth rate

• Analyze the company's competitive position and market share

• Evaluate the company's future investment plans and potential for expansion

• Take into account any regulatory or economic factors that may impact growth

• Use a range of values to account for unc
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Q4. If you have two ropes that burn in 60 seconds but not at the same rate. They burn unevenly. Given a match and the two ropes how would you figure out the 45 seconds mark?
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Q5. Explain indirect and offset functions in excel
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Indirect and Offset are functions in Excel used to reference cells or ranges indirectly.
• Indirect function is used to reference a cell or range using a text string that contains the cell or range address.

• Offset function is used to reference a cell or range that is a specified number of rows and columns away from a given cell or range.

• Both functions are useful for creating dynamic formulas that can be updated easily.

• Exam...read more
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Q6. What do you understand by loan servicing?
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Loan servicing refers to the management of loans after they have been issued.
• It involves collecting payments from borrowers, managing escrow accounts, and handling delinquencies and defaults.

• Loan servicing can be done by the lender or a third-party servicer.

• Servicers may also provide customer service and support to borrowers.

• Examples of loan types that require servicing include mortgages, student loans, and auto loans.
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Q1. Explain 3 statement financial model Calculating discount rate Could you walk me through the DCF model? Other valuation methods. What PE is ideal? What is the other matrix to value the company? Difference ...read more
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Financial analyst interview questions covering DCF model, valuation methods, bond yield, creditworthiness, and credit quality.
• Three statement financial model includes income statement, balance sheet, and cash flow statement.

• Discount rate is calculated using the weighted average cost of capital (WACC) or cost of equity.

• DCF model involves projecting future cash flows and discounting them back to present value.

• Other valua...read more
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Q2. Tell me about yourself. What was your role in the past internship Suppose you are investing in stock market, then what factors will you look for. Recent news you read and its impact on business I have ment...read more
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Q1. Most questions in line with leverage ratios cash flows and Alternate investments like CDOs CLOs Debt and CRE MBS RMBS valuations etc.
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Q1. SWOT ANALYSIS and ability to gel up with the organisation
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SWOT analysis and ability to gel up with the organization are crucial for success in the role of Senior Analyst.
• I have experience in conducting SWOT analysis and have used it to identify areas of improvement and growth opportunities for the organization.

• I am a team player and have the ability to work collaboratively with colleagues from different departments and levels of seniority.

• I am adaptable and can quickly adjust...read more
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Q1. Sql, finance basic
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Q2. Dcf,debt, npv, irr
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Q1. Sql as a case study
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