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Life is the existence of living organisms characterized by growth, reproduction, adaptation, and response to stimuli.
Life is a characteristic that distinguishes physical entities with biological processes from those without such processes.
It involves growth, reproduction, adaptation, and response to stimuli.
Living organisms are made up of cells, which are the basic unit of life.
Life can be found in various forms, from ...
The proponent of Yoga in Action was Swami Vivekananda.
Swami Vivekananda was a Hindu monk and a key figure in the introduction of Yoga to the Western world.
He believed in the practical application of Yoga in daily life, which he called 'Yoga in Action'.
Swami Vivekananda's teachings on Yoga in Action emphasized the importance of selfless service and the unity of all beings.
He also stressed the need for balance between ph...
Admit lack of knowledge, ask for clarification, research, and seek help.
Admit lack of knowledge and avoid guessing
Ask for clarification or more information
Research the topic using reliable sources
Seek help from colleagues or experts
Offer to follow up with an answer later
Dynamic array is an array that can change its size during runtime.
Dynamic arrays are allocated memory at runtime.
They can be resized as needed.
They are useful when the size of the array is not known beforehand.
Examples include ArrayList in Java and List in Python.
Python can be embedded in C++ using the Python/C API.
Include the Python header files in the C++ code.
Initialize the Python interpreter in the C++ code.
Call Python functions from C++ code using the Python/C API.
Pass data between Python and C++ using Python objects and C++ data types.
Compile the C++ code with the Python library.
Example: Embedding a Python script in a C++ program to perform complex calculations.
Assembly language can be embedded in C++ using inline assembly or by linking assembly files.
Inline assembly can be used to write assembly code directly in C++ code.
Assembly files can be linked with C++ code using the linker.
Inline assembly can be platform-specific and may require different syntax for different architectures.
Assembly code can be used to optimize critical sections of code for performance.
Debugging assemb
No, street fights should not be enabled.
Street fights can lead to serious injuries or even death
It promotes violence and aggression
It can lead to legal consequences
It goes against the principles of a peaceful society
There is no one crucial age to be made in life as it varies from person to person.
Important decisions should be made based on personal circumstances and goals
Some people may make significant choices in their 20s while others may do so in their 40s or later
It's never too late to make positive changes in life
Mahatma Gandhi's three monkeys are a pictorial maxim embodying the proverbial principle 'see no evil, hear no evil, speak no evil'.
The three monkeys are Mizaru, covering his eyes, Kikazaru, covering his ears, and Iwazaru, covering his mouth.
The maxim is often used to describe a lack of moral responsibility on the part of people who refuse to acknowledge impropriety.
The monkeys are also associated with the Buddhist prin...
Ahimsa is a principle of non-violence and respect for all living beings in Hinduism, Buddhism, and Jainism.
Ahimsa is a Sanskrit word that means 'non-harming' or 'non-violence'.
It is a fundamental principle of Hinduism, Buddhism, and Jainism.
Ahimsa is not just about refraining from physical violence, but also from mental and emotional harm.
It promotes respect for all living beings, including animals and plants.
Mahatma G...
To indicate one had his fill, one can use various phrases or gestures.
One can say 'I'm full' or 'I'm stuffed'
One can push their plate away or cover their plate with a napkin
One can decline further offers of food or drink
One can express gratitude for the meal and compliment the food
One can loosen their belt or unbutton their pants
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posted on 30 Nov 2024
I applied via Campus Placement
Today it is Thursday.After 132 days,it will be
?
Java is a statically typed language with a strong emphasis on object-oriented programming, while Python is dynamically typed and focuses on simplicity and readability.
Java is statically typed, while Python is dynamically typed
Java is strongly typed, while Python is weakly typed
Java is compiled into bytecode and runs on a virtual machine, while Python is interpreted
Java has a strong emphasis on object-oriented programmi...
Data abstraction is the process of hiding the implementation details of a system and only showing the necessary information to the user.
Data abstraction allows users to interact with complex systems without needing to understand the inner workings.
It helps in reducing complexity and improving efficiency in software development.
Examples include object-oriented programming where classes hide their internal data and expos
posted on 16 Jun 2024
Case Study, prepping a deck and code
On the assignment provided in Round 1
posted on 10 Sep 2023
I applied via Approached by Company and was interviewed in Aug 2023. There were 4 interview rounds.
I applied via campus placement at Indian Institute of Management (IIM), Lucknow
McKinsey is working with an auto components supplier for automotive vehicles. Design a strategy to increase its revenues in the next 3-5 years.
[Please note that I stands for Interviewer and C stands for Candidate]
C: Is there a target revenue increase?
I: Doubling in next 3 years.
C: Which geography is our client located in?
I: India
C: Who are the takers of these auto components and where are they based?
I: Indian companies: likes of say Maruti (for 4 wheelers) and Honda (for 2 wheelers).
C: What parts/components of the automobile exactly do they manufacture?
I: Exteriors (steel fabricated parts visible externally: say doors of the car, roof).
C: Should I focus on OEMs for 4 wheelers & if yes, which specific types of 4 wheelers (say passenger vehicles or commercial vehicles)?
I: Yes, both are serviced by the client. Focus on them.
C: I'd like to understand the industry landscape: growth rate of the company vis-a-vis industry.
I: Industry has been growing steadily. Our client is present & it's not losing market share.
C: What are the distribution channels: any direct-to-consumer touchpoint?
I: They supply to OEMs and also sell replacement parts via client --> distributors --> retailers -> car owners who need replacement.
At this point, I thought I fairly understood the case-at-hand and took a couple of minutes to think.
My structure was as follows:
Step 1: Identify the different sources of revenue existing and potential: Sales to car manufacturers & replacement market (existing), new product lines (car interiors like seats/steering): potential lines.
Step 2: For each revenue line, demarcated the markets (existing geographies v/s new ones)
C: What are the KPIs in this industry for the current geographies?
I: What do you think? Focus on existing product & market.
C:
1) Interoperability among different models/carmakers
2) Quality & longevity of product
3) Service guarantee
4) Price point
I: Point 1 & 4 were the key to success in this space.
C: Could you tell me about the players in the current space & if there are any foreign forces?
I: Mentioned Chinese players and how they were flooding the market with cheaper components to which the current costs stood no competition. Please recommend both short term & long-term solutions to combat this.
C: Mentioned few points like their source of low costs was cheap steel which was 80% of the auto-body. Short Term Solution: Demand exclusivity from OEMs to sign long term contracts.
Long Term Solution: Procurement Lever, Rationalizing steel usage, alternative material R&D, brand name development.
I: Thanks, that'll be all. Please synthesize the case for me.
Guesstimate the market for niche home products for smart personal devices for households.
[Please note that I stands for Interviewer and C stands for Candidate]
It was more conversational. I did not realize when the case started.
Laid out the structure: number of HHs in India --> Urban/Rural Split --> Income split.
I: Please do the entire calculation and give me the numbers.
C: Started calculating & speaking the figures aloud.
I: Tell me the specific customer segments to target at the outset.
Identified the following target segments:
1) Rich & affluent urban nuclear families
2) Double Income No Kids segment
3) Tech-inclined singles
4) Old aged rich grandparents looking for convenience.
I was interviewed before Jul 2023.
I was interviewed before Feb 2024.
posted on 10 May 2024
I applied via campus placement at Aditya Degree College, Kakinada and was interviewed before May 2023. There were 3 interview rounds.
All aptitude and reasoning topics
I applied via LinkedIn and was interviewed before Dec 2023. There were 3 interview rounds.
I applied via campus placement at Indian Institute of Management (IIM), Lucknow
I am running a very niche NBFC targeted at MSMEs. I offer hassle-free small ticket loans of about 5-10-15 lakhs through digitization. We are not growing as per our expectations, please help.
[Please note that I stands for Interviewer and C stands for Candidate]
C: Since when are we facing the problem and what is our target for growth?
I: We want to grow 3x-4x in a year, and the problem is happening for the last 12-18 months.
C: Which cities are we targeting currently? And MSMEs in which sector particularly?
I: We are currently focused on top 10-15 cities of India, on front end, we don't have any sectoral preferences, however, in the backend, most of our loans have been granted to MSME construction firms, restaurants and garages.
C: Can I know more about the loan terms: Collateral, documentation needed, time taken to disburse loans, Interest rates, payment terms etc.?
I: Loans are collateral free, we do full documentation check: where we need bank statements and P&L statements of the MSME for cash flow estimation, GST linkages etc. As I told the process is hassle free, we provide loans in 1-2 days, and since the loans are provided quickly, interest rates are little on higher side.
C: What is the time frame we are looking at? Is there any budgetary constraint?
I: Time horizon is 6-12 months and definitely no NBFC would be burning money like that.
(CASE SOLVING: STRUCTURE)
C: As we wish to grow the number of loans disbursed, we can divide it into: Number of customers * number of loans per customer
Focusing on number of customers: we can look at 3 dimensions:
1) New markets: Outside India and Inside India (Tier 2-3 cities where most of the MSMEs are based out of)
2) New products: Expanding into banking, Fintech (Digital payments, digital insurance, wealth tech etc.)
3) Market penetration: Attracting more no. of customers in the existing market.
I: Start with 3rd part.
C: Can I know more about the distribution model, is it all digital or we also have salesforce?
I: We operate largely online, however, salesforce is used to spread word amongst MSMEs.
C: I would like to structure this ahead in terms of
1) Awareness of our NBFC
2) Loan terms attractiveness
3) Accessibility of our salesforce and digital platform
4) Experience: issues in loan disbursal process
I: Okay, start from the first one then.
C: I would like to explore all possible mediums of lead generation like telephone calls, face to face visits, emails, website, apps and affiliate marketing. is there problem across any?
I: No.
C: Based on my prior case competition experience, where I did personal surveys with 30+ MSMEs, most of the mails etc. are made in English and loads of calls and emails are considered as SPAM by MSMEs, thus I would suggest calls and mails should be made in the regional languages of the MSMEs, and for greater trust and credibility, we should reach out to trade associations like Shankar Market Trade association in Delhi.
Generally, the MSMEs. are organized into trade associations and thus reaching out directly to these trade associations and their presidents, provide greater credibility and support from MSMEs.
I: Yes, this could be done, what else? You talked about Amazon; how can we leverage them?
C: Yes, we can do affiliate marketing on Amazon and their home page.
I: What about the various sellers who are selling on Amazon, aren't they also our target market?
C: Yes, absolutely, we should rather partner with Amazon to list us as SME loan provider while a seller is registering and creating profile with Amazon, to target them in the beginning only.
I: Yes, this could also be done. What next?
C: I would like to shift to loan terms now.
You mentioned that our rate of interest in higher, is it a possibility that we can reduce them a notch?
I: The problem is that we have little data, and thus interest rates are charged higher due to limited data.
C: In that case, for gathering more data, we should make use of open banking, partner with various digital payments providers like Paytm, PhonePe, Google Pay that these MSMEs use for collecting payments so that we can estimate cash flows of the MSMEs with greater accuracy based on thus data, as a result, our interest rates can also reduce.
I: Okay, what else?
C: We can also look at the tenure and frequency of payments (EMIs), increasing the tenure of loans, provides greater cushion to MSMEs and flexible loan payment terms like balloon payments, quarterly, half yearly or yearly installments rather than monthly payments, would ease the pressure on the clients. Also, we can facilitate Auto debits, ECS/NACH mechanism so that MSMEs are regular in their payments, and they don't default.
I: We are already having auto debit facility, what else?
C: I would now like to look at accessibility part. is our app present on Android/Apple phones?
I: Yes.
C: Is there any problem with loading of the website/app and working speed?
I: No.
C: Ok, then I would shift to our salesforce. Here, I would look at quantitative and qualitative factors. Quantitative: number of salesforces, number of visits made by each. Qualitative: quality of engagement with the MSMEs, negotiation skills, training, experience etc.
I: (Abruptly ended the case, and asked to tell 2-3 major ideas from the entire discussion).
Numerical Problem
I: We are a cellphone manufacturer; we are facing the following issue -
Current price: 1000$
Margin per unit: 200$
Currently selling 2 million units:
Sales head has come with the following proposal:
Reduce price by 5%, and volume would go up by 25%.
Evaluate the proposal on contribution margin basis.
Now, if you don't want your contribution to get impacted, by what percentage should your cost reduce.
Solved the numerical based on my course knowledge.
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