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I applied via Campus Placement
Credit card companies' profitability can be analyzed through various financial metrics.
Analyze revenue streams such as interest income, interchange fees, and annual fees
Assess credit risk and default rates
Evaluate operating expenses and efficiency ratios
Compare profitability metrics such as return on assets and return on equity
Consider market share and competition
Example: American Express reported a net income of $6.9 ...
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posted on 4 Dec 2016
I applied via Campus Placement and was interviewed in Dec 2016. There were 5 interview rounds.
Yes, I have coded in curriculum. The most complex one was a project on building a web application using React and Node.js.
Built a full-stack web application using React and Node.js
Implemented user authentication and authorization using JSON Web Tokens (JWT)
Used MongoDB as the database and Mongoose as the ODM
Implemented real-time updates using Socket.IO
Deployed the application on Heroku
Handled errors and implemented log
Big data refers to large and complex data sets that cannot be processed using traditional data processing methods.
Big data is characterized by its volume, velocity, and variety
It is used in various industries such as healthcare, finance, and retail
Examples of big data include social media data, sensor data, and transactional data
It is called 'big' because it involves processing massive amounts of data
Big data requires ...
I am passionate about technology and eager to learn new skills in the IT sector.
I have always had a keen interest in technology and enjoy working with computers.
I believe the IT sector offers more opportunities for growth and advancement in my career.
I have seen the impact of technology on various industries and want to be a part of that innovation.
I have taken courses in programming and networking to prepare myself fo
To find the product of all data points using SelectSum(), log(), and exp() functions.
Use the log() function to convert the product into a sum of logarithms
Apply the SelectSum() function to calculate the sum of logarithms
Finally, use the exp() function to convert the sum back into the product
I applied via Campus Placement and was interviewed in Dec 2016. There were 5 interview rounds.
I am a highly motivated individual with a passion for learning and achieving my goals.
I have a degree in computer science and have worked as a software developer for 3 years.
I am proficient in multiple programming languages including Java, Python, and C++.
I enjoy working in a team environment and collaborating with others to solve complex problems.
In my free time, I enjoy hiking and exploring new places.
I grew up in a small town with my parents and younger sister. We were a close-knit family.
Grew up in a small town
Close-knit family
Parents and younger sister
Participated in community events
Enjoyed outdoor activities
I enjoy reading, hiking, and trying new recipes in my free time.
Reading books on various topics, including fiction, non-fiction, and self-improvement
Hiking in local parks and nature reserves to explore new trails and enjoy the outdoors
Experimenting with new recipes and cooking techniques in the kitchen
Attending cultural events such as concerts, plays, and art exhibits
Spending time with family and friends, playing board
I would expect a supportive work environment, opportunities for growth and development, and a commitment to excellence.
Supportive and collaborative team culture
Clear communication and feedback
Opportunities for professional development and advancement
Commitment to high-quality work and customer satisfaction
Competitive compensation and benefits package
Yes, I have a cousin who lives in Bangalore.
I have a cousin who has been living in Bangalore for the past 5 years.
We keep in touch and he has shown me around the city during my visits.
He works in the IT industry and enjoys the vibrant culture of Bangalore.
Loop in a circular linked list can be found using Floyd's cycle-finding algorithm.
Initialize two pointers, slow and fast, both pointing to the head of the linked list.
Move slow pointer by one node and fast pointer by two nodes in each iteration.
If there is a loop, both pointers will eventually meet at some point.
If there is no loop, fast pointer will reach the end of the linked list.
Time complexity of this algorithm is
Pre-fix and post-fix operations can be performed on a string expression using appropriate operators.
Pre-fix operation involves placing the operator before the operand in the expression.
Post-fix operation involves placing the operator after the operand in the expression.
Examples of pre-fix operators include ++, --, !, and ~.
Examples of post-fix operators include ++ and --.
Data analytics is the process of examining data sets to draw conclusions about the information they contain.
Data analytics involves collecting, cleaning, and analyzing data to identify patterns and trends.
It can help businesses make informed decisions by providing insights into customer behavior, market trends, and operational efficiency.
For example, a retail company can use data analytics to analyze sales data and ide...
Strengths include adaptability and teamwork. Weaknesses include public speaking. Non-core background allows for diverse perspective. JPMorgan Chase's reputation and opportunities attract me.
Strengths: adaptability, teamwork
Weakness: public speaking
Non-core background brings diverse perspective
Attracted to JPMorgan Chase's reputation and opportunities
I would pursue my entrepreneurial dream and start my own company.
I would conduct market research to validate my idea and identify potential competitors.
I would create a business plan outlining my goals, strategies, and financial projections.
I would secure funding through investors or loans.
I would assemble a team of talented individuals with diverse skills and experiences.
I would continuously evaluate and adapt my busi
I would listen to both sides, gather more information, and try to find a compromise that satisfies everyone.
Listen to both sides and understand their perspectives
Gather more information about both ideas
Try to find common ground and a compromise that satisfies everyone
Encourage open communication and respect for each other's ideas
Consider the potential impact and benefits of each idea
Involve a neutral third party if nec
I applied via Campus Placement and was interviewed in Dec 2016. There were 3 interview rounds.
Company is a global technology company known for its innovative products and services.
Founded in 1976 by Steve Jobs, Steve Wozniak, and Ronald Wayne.
Known for products such as iPhone, iPad, Mac computers, and Apple Watch.
Offers services like Apple Music, iCloud, and Apple Pay.
Has a strong focus on design and user experience.
I was interviewed in Dec 2016.
The algorithm reverses a given string.
Iterate through the string from the last character to the first character.
Append each character to a new string or an array in reverse order.
Return the reversed string or array.
As the CEO, I would select the candidate based on their qualifications and skills, regardless of their background or personal characteristics.
I would focus on the qualifications, skills, and experience of each candidate.
I would consider their ability to contribute to the company's goals and objectives.
I would ensure a fair and unbiased selection process.
I would prioritize diversity and inclusion in the workplace.
I woul...
I am responsible for assisting in various tasks and projects within the company.
Supporting team members in daily operations
Completing assigned tasks in a timely manner
Assisting in research and analysis
Participating in meetings and discussions
CTC stands for Cost to Company, which includes all expenses related to an employee's compensation.
CTC includes salary, bonuses, benefits, and any other perks provided by the company
It is the total amount of money a company spends on an employee in a year
CTC is often used to negotiate job offers and understand the full value of a compensation package
I applied via Referral
Markets offer dynamic and challenging environments that require constant adaptation and innovation.
Markets provide opportunities for growth and expansion
Competition in markets drives innovation and efficiency
Markets offer diverse career paths and opportunities for personal development
I applied via Referral and was interviewed in Aug 2023. There were 3 interview rounds.
Credit Reserach on any listed company
NOPAT is the net operating profit after tax, while FCF is the free cash flow.
NOPAT is a measure of a company's profitability that excludes taxes and interest expenses.
FCF is a measure of a company's financial performance that represents the cash generated by the business after accounting for capital expenditures.
NOPAT = Operating Income * (1 - Tax Rate)
FCF = NOPAT + Depreciation & Amortization - Change in Working Capit
Negative working capital can be good for a company as it indicates efficient management of assets and liabilities.
Negative working capital can indicate that a company is effectively using its short-term assets to fund its short-term liabilities.
It can show that a company is able to quickly convert inventory or accounts receivable into cash to meet its short-term obligations.
However, sustained negative working capital m...
Yes, one-time items in CFO can be alarming for a company seeking debt.
One-time items can distort the true financial health of a company
Lenders may view one-time items as unsustainable sources of income
It may raise concerns about the company's ability to generate consistent cash flow
Companies should provide explanations for one-time items to lenders
A company can remove its debt without affecting cash flow by refinancing debt at lower interest rates, increasing revenue, or selling assets.
Refinance debt at lower interest rates to reduce debt burden
Increase revenue through sales growth or cost-cutting measures
Sell assets to generate cash and pay off debt
Negotiate with creditors for better repayment terms
I applied via Recruitment Consulltant and was interviewed in Aug 2021. There was 1 interview round.
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Principal Associate
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Software Engineer
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Data Analyst
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Senior Software Engineer
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American Express
HSBC Group
JPMorgan Chase & Co.
Wells Fargo