CARMA Interview Questions and Answers

Q1. Securitisation and how it works.
Ans. 
Securitisation is the process of pooling various types of debt and selling them as securities to investors.
• Securitisation involves bundling together various types of debt, such as mortgages, auto loans, or credit card debt.

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

• Investors purchase these securities and receive payments based...read more
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Q2. Financial Ratios and how they work and what is a good number to have.
Ans. 
Financial ratios are tools used to evaluate a company's financial performance and health.
• Financial ratios are calculated using data from a company's financial statements.

• They help investors and analysts assess a company's profitability, liquidity, efficiency, and solvency.

• A good number for a financial ratio can vary depending on the industry and company size.

• For example, a current ratio of 2 or higher is generally cons...read more
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Q3. Random number crunching based on some scenario that needs you to make assumptions and get an answer
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Q4. How an Excel function works. (Vlookup, Hlookup, Xlookup, IF/AND/OR)
Ans. 
Excel functions like Vlookup, Hlookup, Xlookup, IF/AND/OR are used for data lookup and logical operations.
• Vlookup: Searches for a value in the first column of a table and returns a value in the same row from a specified column.

• Hlookup: Similar to Vlookup but searches for a value in the first row of a table.

• Xlookup: A more versatile version of Vlookup and Hlookup that can search both vertically and horizontally.

• IF: Retu...read more
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Q1. Personal Questions.
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Q2. My expertise and proficiency of excel
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Q1. No questions. Was confirmed my job
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Q1. Tell me about yourself
Ans. 
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
Ans. 
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. Questions was based on SQL
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Q2. SQL queries and joins and
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Strong appitude knowledge is required.

Q1. String , arrays, oops
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Q1. Strecture of sql statement
Ans. 
SQL statements are used to interact with databases by performing operations like querying, updating, and deleting data.
• SQL statements are made up of keywords like SELECT, INSERT, UPDATE, DELETE, etc.

• They are structured in a specific order, with clauses like WHERE, ORDER BY, GROUP BY, etc.

• Tables are referenced using their names, and conditions are specified to filter data.

• Joins can be used to combine data from multiple
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Q1. Do you have any experience into recruitment?
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How can you manage daily travelling?

Good level question. I have qualified for the next round

Basic to intermediate question, Cleared the test

Q1. Tell me about yourself and introduce yourself
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