La Cigale Hotel Interview Questions and Answers

Q1. Mainly related to key KRA and technicalities of portfolio monitoring
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Assignment related to portfolio analysis

Q1. Methods of portfolio monitoring and delinquency mapping , EWS
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Q1. Currnet organisation KRA and credit terminologies
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Q1. What is the Singleton pattern ? in how many ways can this pattern be broken ?
Ans. 
Singleton pattern ensures a class has only one instance and provides a global point of access to it.
• Singleton pattern can be implemented by making the constructor private and providing a static method to access the instance.

• The pattern can be broken by using reflection to access the private constructor and create multiple instances.

• Another way to break the Singleton pattern is by using multiple class loaders in Java.

• Th...read more
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Q2. What is the internal implementation of hashmap? Let's assume that you want to store duplicate keys in the hashmap, how can we achieve the same in hashmap ?
Ans. 
HashMap internally uses an array of linked lists to store key-value pairs. To store duplicate keys, we can use a custom implementation of HashMap.
• HashMap internally uses an array of linked lists to handle collisions.

• To store duplicate keys, we can create a custom HashMap implementation that allows multiple values for the same key.

• One approach is to use a HashMap with values as lists, where each key can have multiple va
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Q1. What microservices patterns are you aware ? let's assume that there is a microservice based architecture and service A is calling service B which in turn service C. If service b fails, how will you manage ...read more
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Use compensating transactions and distributed tracing for managing transaction and logging in case of service B failure.
• Implement compensating transactions to rollback changes made by service B in case of failure.

• Use distributed tracing to track the flow of requests and identify where the failure occurred.

• Implement retry mechanisms to handle transient failures in service B.

• Use circuit breakers to prevent cascading fail...read more
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Q2. System Design question : Design a booking wesite for.eg: bookin.com ?
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Q1. What are the aml and kyc requirements?
Ans. 
AML and KYC requirements are regulations that financial institutions must follow to prevent money laundering and verify the identity of their customers.
• AML (Anti-Money Laundering) requirements involve monitoring transactions, reporting suspicious activities, and conducting customer due diligence.

• KYC (Know Your Customer) requirements involve verifying the identity of customers, assessing their risk level, and maintainin...read more
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Q2. Why should we hire you, briefly describe a scenario where you would showcase a different skill or talent compared with your fellow employees?
Ans. 
I have a strong attention to detail and analytical skills that set me apart from my colleagues.
• I have a proven track record of accurately identifying and resolving discrepancies in KYC documentation.

• I excel at conducting thorough research and analysis to ensure compliance with regulations.

• My ability to effectively communicate complex information to stakeholders sets me apart in team collaborations.
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Q3. Strength and weakness?
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Strength: attention to detail, Weakness: perfectionism
• Strength: Ability to meticulously review documents and identify discrepancies

• Strength: Strong analytical skills to detect potential risks or fraudulent activities

• Weakness: Striving for perfection may lead to spending too much time on a task

• Weakness: Difficulty in delegating tasks due to desire for everything to be done perfectly
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Q4. Project and achievements?
Ans. 
Implemented a new KYC process resulting in 30% reduction in onboarding time and 20% decrease in errors.
• Led a team to revamp KYC procedures and systems

• Introduced automation tools to streamline verification process

• Trained staff on updated KYC regulations and best practices
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Q5. Are you a team player? What do you do when you don’t get along with certain colleagues? How do you manage conflict resolution?
Ans. 
Yes, I am a team player. I believe in open communication and collaboration. When conflicts arise, I address them directly and seek resolution.
• I believe in open communication and collaboration within the team.

• I address conflicts directly and seek resolution through constructive conversations.

• I focus on finding common ground and working towards a solution that benefits the team as a whole.
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Q6. Provide a situation where you might have failed previously? What has that experience taught you?
Ans. 
I failed to meet a deadline due to poor time management.
• Underestimated the time needed for a project

• Did not prioritize tasks effectively

• Learned to create a detailed schedule and set realistic deadlines
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General English grammar knowledge and some calculations

Q1. CTC and expected salary details?
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Q2. No you cannot negotiate and end up taking what they give you!
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Q3. No relocation time, do it during weekends
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Q4. No target compensation or other benefits
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Q5. If ur employed through agency or consultancy you will be always a contingent and treated less than permanent employees
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Q6. 12 hours a day, 6 days a week, no social or life balance
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Q1. Behavioral assessment
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Logical, react, SQL related questions

Q1. Interviewed by Business Head. Mostly behavioral questions and some past experience related
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Q1. Interview by VP. Frontend general technical questions
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Q1. Interviewed by Director. Competency based Leadership interview
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Q1. Yet to recieve the final status whether selected or rejected. HR asked payslip and other docs and shared the same.
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Q2. HRs are very friendly and quickly respond to your queries.
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Q1. In first round, the company will provide you a test link from a third party (perspectAI) to gauge your communication and understanding skills. This included sections like comprehension, listening, writing,...read more
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Q1. Introduce yourself
Ans. 
I am a customer experience specialist with a background in stock broking. I am passionate about providing excellent service and building strong relationships with clients.
• I have X years of experience in the stock broking industry

• I have a proven track record of delivering exceptional customer service

• I am skilled in building and maintaining client relationships

• I am knowledgeable about the stock market and investment prod...read more
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Q2. Asked about my summer and winter internship work
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Q3. Asked questions relating to my resume
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Q4. Asked situation based questions on customer support and resolving customer issues
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Q5. Basics questions regarding stock exchange
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Q6. Asked about any event in my life where in was working in a team or lead a team
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Q7. Why choose or applied for this job role
Ans. 
I have a passion for finance and helping clients achieve their financial goals.
• I have a strong background in finance and stock broking

• I enjoy working with clients and helping them navigate the stock market

• I am excited about the opportunity to use my skills to enhance customer experience in the stock broking industry
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Q1. Introduce yourself
Ans. 
I am a customer experience specialist with a background in stock broking. I have a passion for helping clients navigate the financial markets.
• I have X years of experience in the stock broking industry, specializing in customer service and relationship management.

• I am skilled in providing personalized investment advice and recommendations to clients based on their financial goals and risk tolerance.

• I have a strong under...read more
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Q2. What made you apply for this job role
Ans. 
I applied for this job role because of my passion for finance and helping clients achieve their financial goals.
• Passion for finance and stock market

• Desire to help clients achieve financial goals

• Interest in providing excellent customer service
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Q3. Why should we hire a fresher for this position
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Q4. Situation based question:- If a user of Share.market app uses stop loss option and it didn't worked due to some glitch which caused him/her some financial loss then how would you handle it?
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Q5. Asked about job description
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Q1. What's your current experience
Ans. 
I have 5 years of experience in credit analysis and risk assessment in the banking industry.
• 5 years of experience in credit analysis and risk assessment

• Proficient in financial statement analysis

• Strong understanding of credit risk management

• Experience in evaluating loan applications and determining creditworthiness

• Familiarity with regulatory requirements in the banking sector
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Q2. Did you achieved any goal in previous platform.
Ans. 
Yes, I achieved a goal of increasing loan approval rate by 15% in my previous role.
• Implemented new credit evaluation process to streamline decision-making

• Provided training to team members on identifying creditworthy applicants

• Collaborated with sales team to improve communication and documentation

• Utilized data analytics to identify trends and make data-driven decisions
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Q3. Do you participate any bankingevents
Ans. 
Yes, I actively participate in banking events to stay updated on industry trends and network with professionals.
• I regularly attend banking conferences and seminars to learn about new regulations and technologies in the industry.

• I have participated in workshops on credit risk management and financial analysis to enhance my skills and knowledge.

• I am a member of a banking association where I attend networking events to co
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Q4. Are you suitable for appliedrole.
Ans. 
Yes, I am suitable for the role of Credit Officer due to my strong financial background and experience in analyzing credit risk.
• I have a degree in finance and have completed relevant courses in credit analysis.

• I have previous experience working as a credit analyst, where I successfully assessed credit risk for various clients.

• I am proficient in financial modeling and have a strong understanding of financial statements.

• ...read more
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Q5. Tell about Equitas bank
Ans. 
Equitas Small Finance Bank is a scheduled commercial bank in India focused on serving the financial needs of micro and small enterprises.
• Equitas Small Finance Bank was established in 2007 as a microfinance institution before receiving a banking license in 2016.

• The bank offers a range of financial products and services including savings accounts, fixed deposits, loans, and insurance.

• Equitas Small Finance Bank has a stro...read more
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Discuss about financial risk and management

Q1. Walk me through your resume. About insurance process what is policy life cycle.
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Q2. Tell me about your previous role.
Ans. 
I was responsible for analyzing and improving processes to increase efficiency and productivity.
• Led process improvement initiatives to streamline operations

• Identified bottlenecks and implemented solutions to optimize workflows

• Collaborated with cross-functional teams to gather data and feedback

• Utilized data analysis tools to track performance metrics

• Developed and implemented process documentation and training materials
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Yet to complete the test

Q1. Asked about Gallagher.
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Q2. What do you know about Gallagher.
Ans. 
Gallagher is a global insurance brokerage, risk management, and consulting firm.
• Founded in 1927 by Arthur J. Gallagher

• Headquartered in Rolling Meadows, Illinois

• Provides insurance, risk management, and consulting services globally

• Offers services in areas such as commercial insurance, employee benefits, and personal insurance

• Has a strong focus on client relationships and personalized service
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Q1. Situation based questions were asked.
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Q2. How would you built the trust with the stakeholders
Ans. 
Building trust with stakeholders involves open communication, transparency, and delivering on commitments.
• Establish open lines of communication with stakeholders to address concerns and provide updates

• Be transparent about project progress, challenges, and decisions

• Deliver on commitments and follow through on promises to build credibility

• Seek feedback from stakeholders and incorporate their input into decision-making pr...read more
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