Hrishikesh Technologies Interview Questions and Answers

Underwriting. Personal Information

What is your full name, Social Security Number, and date of birth?

Are you a U.S. citizen or permanent resident?


Why they ask: To verify your identity and eligibility for a mortgage.

2. Income and Employment

What is your annual income?

Are you employed, self-employed, or retired?

How long have you been at your current job?


Why they ask: To ensure you have a steady income to repay the loan.

3. Credit History

What is your credit score?

Do you have any outstanding loans, credit card debt, or missed payments?

Have you ever declared bankruptcy or had a foreclosure?


Why they ask: To assess your ability and reliability to repay the loan.

4. Assets and Savings

How much money do you have in savings, investments, or retirement accounts?

Do you own any other properties or assets?


Why they ask: To confirm you have enough funds for a down payment, closing costs, and emergency reserves.

5. Property Details

What is the purchase price of the home?

Are you buying a primary residence, second home, or investment property?

What is the home’s address and type (e.g., single-family, condo)?


Why they ask: To evaluate the value and purpose of the property as collateral for the loan.

6. Debts and Expenses

What are your monthly expenses, including rent, utilities, and other bills?

Do you owe child support or alimony?


Why they ask: To calculate your debt-to-income (DTI) ratio and ensure you can afford the mortgage payments.

7. Down Payment

How much are you planning to put down as a down payment?

Are the funds coming from your savings or a gift?


Why they ask: To verify you have a sufficient down payment and its source is legitimate.

8. Insurance and Taxes

Do you have homeowners insurance lined up?

Are you aware of the property taxes in the area?

Q1. Previous Employment
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Q1. Implement search in binary tree
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Q2. Previous work experience
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Q1. Why are switching
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Q2. What is Netflix OSS
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Q1. Questions related to backend and AWS.
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Q1. Question related to front end and database.
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Q1. Basic questions on python
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Q2. Difference between list tuple
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Q3. Area of room 6D
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Q4. Most emberacing situation u faced in your life
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Q5. Behavior questions like what will u do if this happens
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The group discussion was conducted on the basic topic of "Education System in India." After announcing the topic, the HR provided three minutes for preparation, during which participants were allowed to take notes. Subsequently, each person spoke about the topic for 30 seconds. Following the individual presentations, a three-minute discussion took place among the members.

Q1. What is meant by securities?
Ans. 
Securities are financial instruments that represent ownership or debt in a company or government entity.
• Securities can include stocks, bonds, options, and futures.

• They are bought and sold on financial markets.

• Investors purchase securities as a way to potentially earn a return on their investment.

• Securities can be issued by corporations, governments, or other organizations.

• They provide investors with the opportunity to ...read more
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Q2. What is meant by the repo rate and reverse repo rate?
Ans. 
Repo rate is the rate at which the central bank lends money to commercial banks, while reverse repo rate is the rate at which the central bank borrows money from commercial banks.
• Repo rate is used by the central bank to control inflation and money supply in the economy.

• Reverse repo rate is used to absorb excess liquidity from the market.

• Changes in repo rate and reverse repo rate influence the interest rates in the econ...read more
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Q3. What is the difference between stocks and mutual funds?
Ans. 
Stocks represent ownership in a single company, while mutual funds pool money from multiple investors to invest in a diversified portfolio of stocks, bonds, or other securities.
• Stocks represent ownership in a single company, giving investors the potential for high returns but also higher risk.

• Mutual funds pool money from multiple investors to invest in a diversified portfolio of stocks, bonds, or other securities, redu...read more
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Q4. Can you provide an introduction about yourself and share details about your family background?
Ans. 
I am a Relationship Manager with a strong background in finance and customer service. My family is supportive and close-knit.
• Experienced Relationship Manager in finance industry

• Skilled in customer service and building client relationships

• Close-knit and supportive family background
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The test will comprise a total of 60 questions, divided as follows: 70% of the questions will focus on finance and accounting, while the remaining questions will cover aptitude and English.

Q1. Zero coupon bonds, long-term liabilities, return on equity, debt-equity ratio, captial budgeting and techniques, bonds and its types, debt instruments meaning, collateral, mortgage, spin off, demerger, mer...read more
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Q1. Write your own implementation for shared pointer. How it will handle if it get assigned by another one. How will you use it in main method. How will you overload -> operator and dereferencing operator in t...read more
Ans. 
Implementation of shared and unique pointers in C++ with operator overloading.
• Implement a class for shared pointer with reference counting.

• Handle assignment by incrementing reference count and decrementing old pointer's count.

• Overload -> and * operators to access underlying object.

• Use shared pointer in main method by creating instances and passing them around.

• For unique pointer, implement a class that transfers ownersh
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Q2. Simple problem for binary search but input values are double not integer
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Q1. Given bst find two values from tree which will give you required sum. In two pointer is it better to use middle-out instead of starting from both end probabilistically
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Q2. Design splitwise like add and explain
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Q1. Write signature of shared pointer
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Q2. Design system similar to load balancer where if request comes again with same id it should go to server it went for first time. with constant space complexity
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Q3. Design system where there is org hierarchy and you should be able to find all sub-ordinates Optimize is using array of pointer
Ans. 
Design a system with org hierarchy to find all sub-ordinates using array of pointers.
• Create a class for each employee with a pointer to their manager

• Use an array of pointers to store all employee objects

• Traverse the array to find all sub-ordinates of a given employee
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Q4. Write lambda function and it's signature
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Q5. Do you know about template Class and function template
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Q6. How does auto work internally?
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Q1. Are you ready to shift to bengaluru
Ans. 
Yes, I am ready to shift to Bengaluru for the c++ associate position.
• I am excited about the opportunity to work in Bengaluru.

• I have researched the city and am comfortable with the relocation.

• I am flexible and adaptable to new environments.

• I have friends/family in Bengaluru who can support me during the transition.
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Q1. Tell me about yourself.
Ans. 
Experienced internal auditor with a background in finance and risk management.
• Over 5 years of experience in internal auditing

• Strong background in finance and risk management

• Skilled in conducting audits, identifying risks, and implementing controls

• Proficient in analyzing financial data and preparing reports

• Excellent communication and interpersonal skills
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Q2. Family background
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Q3. What activities did you engage in during your articleship?
Ans. 
During my articleship, I engaged in various activities such as auditing financial statements, conducting internal control reviews, and assisting in risk assessment.
• Auditing financial statements

• Conducting internal control reviews

• Assisting in risk assessment
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Q4. What is the process of conducting an internal audit?
Ans. 
The process of conducting an internal audit involves planning, executing, reporting, and follow-up.
• Plan the audit by defining objectives, scope, and methodology.

• Gather relevant data and evidence through interviews, document reviews, and observations.

• Analyze the data to identify risks, control weaknesses, and areas for improvement.

• Report findings to management and recommend corrective actions.

• Follow up on implementation...read more
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Q5. What is the difference between internal and statutory audits?
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Internal audits are conducted by internal staff to evaluate and improve the effectiveness of risk management, control, and governance processes within an organization, while statutory audits are required by law and are conducted by external auditors to ensure compliance with financial reporting standards.
• Internal audits are conducted by internal staff, while statutory audits are conducted by external auditors.

• Internal ...read more
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