Morningstar
100+ Godrej Interio Interview Questions and Answers
Q101. Program to find 2 biggest number in array
Program to find 2 biggest numbers in array of strings
Iterate through the array and convert each element to integer
Keep track of the two biggest numbers found so far
Return the two biggest numbers at the end
Q102. Difference between executors &executorservice?
Executors are a class that provides factory and utility methods for Executor, ExecutorService is an interface that represents an asynchronous execution service.
Executors class provides factory and utility methods for Executor interface
ExecutorService is an interface that represents an asynchronous execution service
ExecutorService extends Executor interface
ExecutorService provides methods to manage termination and produce Future objects for tracking progress of one or more asy...read more
Q103. Explain what data cleansing is
Data cleansing is the process of identifying and correcting or removing errors, inconsistencies, and inaccuracies in datasets.
Data cleansing involves identifying and handling missing values in datasets.
It also includes removing duplicate records or entries.
Data cleansing may involve correcting spelling mistakes or formatting issues in data.
It helps improve data quality and reliability for analysis and decision-making.
Example: Removing rows with missing values, standardizing d...read more
Q104. What has more prepayment risk CMBS, RMBS, ABS
CMBS has more prepayment risk compared to RMBS and ABS.
CMBS (Commercial Mortgage-Backed Securities) typically have higher prepayment risk due to the nature of commercial real estate loans.
RMBS (Residential Mortgage-Backed Securities) have lower prepayment risk compared to CMBS as residential mortgages are less likely to prepay.
ABS (Asset-Backed Securities) generally have lower prepayment risk as the underlying assets may have more stable cash flows.
Prepayment risk in CMBS can...read more
Q105. What do you know about ESG
ESG stands for Environmental, Social, and Governance criteria used to evaluate a company's sustainability and ethical impact.
ESG criteria are used by investors to assess the sustainability and ethical impact of a company.
Environmental criteria focus on a company's impact on the environment, such as carbon emissions and waste management.
Social criteria evaluate how a company manages relationships with employees, suppliers, customers, and the communities in which it operates.
Go...read more
Q106. Financial statement format (BS, IS & CF)
Financial statements include balance sheet, income statement, and cash flow statement.
Balance sheet shows a company's assets, liabilities, and equity at a specific point in time.
Income statement shows a company's revenue, expenses, and net income over a period of time.
Cash flow statement shows a company's inflows and outflows of cash over a period of time.
All three statements are important for analyzing a company's financial health and performance.
Q107. What ratios are important and why?
Important ratios for credit analysis include debt-to-equity, current ratio, and interest coverage ratio.
Debt-to-equity ratio: Indicates the proportion of debt used to finance a company's assets. A lower ratio is generally preferred.
Current ratio: Measures a company's ability to cover its short-term liabilities with its short-term assets. A ratio above 1 is ideal.
Interest coverage ratio: Shows a company's ability to pay interest on its debt. A higher ratio indicates better fin...read more
Q108. What are dilutive securities
Dilutive securities are financial instruments that can potentially decrease earnings per share and reduce the ownership percentage of existing shareholders.
Dilutive securities include stock options, convertible bonds, and warrants.
When exercised or converted, dilutive securities increase the number of outstanding shares, leading to a dilution of ownership.
Companies must calculate the impact of dilutive securities on earnings per share to provide accurate financial information...read more
Q109. Requirements for an online meeting?
Requirements for an online meeting include a stable internet connection, a device with a camera and microphone, and a meeting link or ID.
Stable internet connection is essential for smooth video and audio transmission.
A device with a camera and microphone is needed for video conferencing.
A meeting link or ID is required to join the online meeting.
Optional: Screen sharing capabilities for presentations or demonstrations.
Q110. What is DSCR? How is it important?
DSCR stands for Debt Service Coverage Ratio. It is a financial metric used to evaluate a company's ability to pay its debt obligations.
DSCR is calculated by dividing a company's operating income by its total debt service obligations.
A DSCR of 1 or higher indicates that a company is generating enough income to cover its debt payments.
Lenders often use DSCR to assess the creditworthiness of a borrower before extending a loan.
For example, if a company has an operating income of ...read more
Q111. What is amortized cost , empirical cost.
Q112. Any future education plans?
Yes, I plan to pursue a Master's degree in Data Science to further enhance my skills and knowledge.
Planning to pursue a Master's degree in Data Science
Enhancing skills and knowledge in the field
Seeking advanced education for career growth
Q113. What is index fund?
An index fund is a type of mutual fund or exchange-traded fund (ETF) that tracks a specific market index, such as the S&P 500.
Index funds aim to replicate the performance of a specific index by holding the same securities in the same proportions as the index.
They are passively managed, meaning they do not require active decision-making by a fund manager.
Index funds typically have lower fees compared to actively managed funds.
Popular examples of index funds include Vanguard To...read more
Q114. What is Interest coverage ratio
Interest coverage ratio measures a company's ability to pay interest on its debt with its earnings.
Interest coverage ratio is calculated by dividing a company's earnings before interest and taxes (EBIT) by its interest expenses.
A higher interest coverage ratio indicates that a company is more capable of meeting its interest obligations.
A lower interest coverage ratio may signal financial distress and an increased risk of default.
For example, if a company has EBIT of $1,000,00...read more
Q115. Type of Collections and its internal working
Java collections are data structures that store and manipulate groups of objects.
Types of collections include List, Set, Map, Queue, etc.
Internal workings involve data structures like arrays, linked lists, hash tables, etc.
Collections framework provides interfaces and classes for working with collections.
Q116. Count number of occurrence of string from Array
Count occurrences of a specific string in an array of strings.
Iterate through the array and use a HashMap to store the count of each string.
Use the string as key and increment the count each time it is encountered.
Return the count of the specific string at the end.
Q117. SQL vs NoSQL, Working of Keys in DynamoDB
SQL is relational database, NoSQL is non-relational. DynamoDB uses primary keys for data retrieval.
SQL is a relational database management system, while NoSQL is a non-relational database management system.
SQL databases use structured query language for defining and manipulating data, while NoSQL databases use various data models like document, key-value, graph, etc.
In DynamoDB, keys are used for data retrieval. Primary key can be either a single attribute (simple primary key...read more
Q118. Explain OAuth 2 implementation?
OAuth 2 is an authorization framework that allows a third-party application to obtain limited access to an HTTP service.
OAuth 2 is used for delegated access, allowing a user to grant a third-party application access to their resources without sharing their credentials.
It involves the use of access tokens, which are issued by the authorization server after the user authenticates and authorizes the application.
OAuth 2 supports different grant types such as authorization code, i...read more
Q119. Corporate actions types and uses
Corporate actions are events initiated by a company that can affect the stock price and shareholder value.
Types of corporate actions include stock splits, dividends, mergers and acquisitions, spin-offs, and rights issues.
Corporate actions can be used to reward shareholders, raise capital, or restructure a company.
Investors need to be aware of corporate actions as they can impact their investment decisions and portfolio performance.
Q120. What are fixed income instruments
Fixed income instruments are investments that pay a fixed interest or dividend income until maturity, such as bonds and certificates of deposit.
Fixed income instruments are debt securities issued by governments, corporations, or other entities to raise capital.
Investors receive regular interest payments at a fixed rate until the instrument matures.
Examples include government bonds, corporate bonds, municipal bonds, and certificates of deposit.
Q121. What do you know about Venture Capital.
Venture capital is a type of private equity financing that investors provide to startup companies and small businesses that are believed to have long-term growth potential.
Venture capital is typically provided by professional investors or firms to startups and small businesses.
Investors in venture capital expect high returns on their investments, often through an eventual sale of the company or an initial public offering (IPO).
Venture capital funding is usually provided in ex...read more
Q122. Features of promissory note.
A promissory note is a legal document that contains a promise to pay a specific amount of money to a person or entity.
It is a written promise to pay a debt
It includes the names of the parties involved
It specifies the amount of money to be paid
It outlines the terms of repayment, including interest rates and due dates
It can be secured or unsecured
It can be negotiable or non-negotiable
Q123. What is GAAP & Non-GAAP EPS
GAAP EPS is based on generally accepted accounting principles, while Non-GAAP EPS excludes certain expenses or income that are not considered part of normal operations.
GAAP EPS follows accounting standards set by regulatory bodies like SEC
Non-GAAP EPS excludes items like one-time expenses or gains to provide a clearer picture of ongoing business performance
Investors often consider both GAAP and Non-GAAP EPS when evaluating a company's financial health
Q124. difference between forEach and Map
forEach is used to iterate over an array and perform a function on each element, while map creates a new array by applying a function to each element.
forEach does not return a new array, while map does
forEach does not modify the original array, while map creates a new array
forEach is used for side effects, while map is used for transformation
Example: forEach - array.forEach(item => console.log(item)), map - const newArray = array.map(item => item * 2)
Q125. Locked sight at the time of interviee
I'm sorry, I don't understand the question. Could you please rephrase it?
Please clarify the question
I'm not sure what you mean by 'locked sight'
Could you provide more context or information?
Q126. 1. what is OOPS Concept?
OOPS (Object-Oriented Programming) is a programming paradigm that uses objects to represent and manipulate data.
OOPS focuses on the concept of objects, which are instances of classes.
It emphasizes encapsulation, inheritance, and polymorphism.
Encapsulation ensures data hiding and abstraction.
Inheritance allows classes to inherit properties and behaviors from other classes.
Polymorphism enables objects to take on multiple forms or behaviors.
Example: In a banking application, a '...read more
Q127. what are corporate actions?
Corporate actions are events initiated by a public company that can affect its stock price or ownership structure.
Corporate actions include dividends, stock splits, mergers, acquisitions, spin-offs, and rights issues.
These actions can impact shareholders by changing the value of their investments or the number of shares they own.
Investors need to stay informed about corporate actions to make informed decisions about their investments.
Q128. what is capital repayment?
Capital repayment refers to the process of paying back the original amount borrowed in a loan or investment.
Capital repayment is the return of the initial amount borrowed or invested.
It does not include any interest or additional fees.
Common examples include paying off a mortgage or returning the principal amount of a bond.
Capital repayment reduces the outstanding balance of a loan or investment.
Q129. Biggest achievements as Scrum Master
Successfully led a team to deliver a complex project ahead of schedule
Implemented Scrum framework and facilitated daily stand-up meetings, sprint planning, and retrospectives
Identified and resolved team conflicts, resulting in improved collaboration and productivity
Introduced Agile practices to stakeholders, resulting in increased transparency and better alignment with business goals
Q130. Memory management in Java ?
Java uses automatic memory management through garbage collection to allocate and deallocate memory.
Java uses garbage collection to automatically manage memory by deallocating objects that are no longer needed.
The JVM has a heap where objects are allocated and garbage collection is performed to reclaim memory.
Java provides the 'finalize()' method for objects to perform cleanup before they are garbage collected.
Memory leaks can occur in Java if objects are not properly derefere...read more
Q131. Different types of gc?
Different types of garbage collection algorithms in software development.
Mark and Sweep: Identifies and removes unreachable objects.
Generational: Divides objects into different generations based on age.
Parallel: Uses multiple threads to perform garbage collection concurrently.
Incremental: Spreads garbage collection work over multiple cycles to reduce pause times.
Q132. Difference between bankruptcy and insolvency
Bankruptcy is a legal process where a person or business is unable to repay debts, while insolvency refers to a financial state of being unable to pay debts.
Bankruptcy is a legal status declared by a court when a person or business cannot repay debts.
Insolvency is a financial state where a person or business is unable to pay debts as they become due.
Bankruptcy involves a formal legal process, while insolvency is a financial condition.
Bankruptcy can lead to the liquidation of ...read more
Q133. Link between 3 financial statements
The link between the 3 financial statements (Income Statement, Balance Sheet, Cash Flow Statement) is that they are interconnected and provide a comprehensive view of a company's financial performance.
Income Statement shows the company's revenues and expenses over a period of time, which affects the company's net income.
Balance Sheet shows the company's assets, liabilities, and equity at a specific point in time, which is affected by the company's net income from the Income S...read more
Q134. ViewBag vs Tempdata in MVC
ViewBag is used to pass data from controller to view, while TempData is used to pass data between controller actions.
ViewBag is a dynamic property that allows you to pass data from controller to view
TempData is a dictionary object that allows you to pass data between controller actions
ViewBag is not type-safe and requires typecasting, while TempData is type-safe
ViewBag data is lost if redirection occurs, while TempData data persists for the next request
Q135. Abstract vs Interface
Abstract classes can have both abstract and non-abstract methods, while interfaces can only have abstract methods.
Abstract classes can have constructors, fields, and non-abstract methods.
Interfaces can only have abstract methods and constants.
A class can implement multiple interfaces but can only inherit from one abstract class.
Q136. What is agile methology?
Agile methodology is a project management approach that emphasizes flexibility, collaboration, and incremental progress.
Focus on delivering working software in short iterations
Embrace changing requirements
Encourage frequent collaboration between team members
Use feedback to continuously improve the product
Common frameworks include Scrum and Kanban
Q137. what is collection framework?
Collection framework is a unified architecture for representing and manipulating collections of objects in Java.
It provides interfaces (like List, Set, Map) and classes (like ArrayList, HashSet, HashMap) to store and manipulate groups of objects.
It allows developers to work with collections of objects in a uniform way, regardless of the specific implementation.
Collections framework provides algorithms to manipulate collections, such as sorting, searching, and filtering.
Exampl...read more
Q138. What is debt and equity
Debt and equity are two main sources of financing for companies. Debt involves borrowing money that must be repaid with interest, while equity involves selling ownership stakes in the company.
Debt is a form of financing where a company borrows money from lenders and agrees to repay the principal amount plus interest over a specified period of time.
Equity is a form of financing where a company sells ownership stakes (shares) to investors in exchange for capital. Investors beco...read more
Q139. Write a user story and edge cases
User story for a shopping website
As a user, I want to be able to add items to my cart
As a user, I want to be able to view my cart and update quantities
As a user, I want to be able to proceed to checkout and make a payment
Q140. What are joins in sql
Joins in SQL are used to combine rows from two or more tables based on a related column between them.
Joins are used to retrieve data from multiple tables based on a related column
Common types of joins include INNER JOIN, LEFT JOIN, RIGHT JOIN, and FULL JOIN
Example: SELECT * FROM table1 INNER JOIN table2 ON table1.column = table2.column
Q141. Merger vs aquisition
Merger involves two companies combining to form a new entity, while acquisition is one company buying another.
Merger involves two companies agreeing to combine their operations and assets to form a new entity.
Acquisition is when one company purchases another company, often resulting in the acquired company becoming a subsidiary of the acquiring company.
Merger can be seen as a more equal partnership, while acquisition typically involves one company taking control of another.
Ex...read more
Q142. Wgat is your understanding on DEI
DEI stands for Diversity, Equity, and Inclusion, focusing on creating a workplace that values and respects differences among employees.
DEI aims to promote diversity by ensuring representation of different backgrounds, perspectives, and experiences in the workplace.
Equity involves providing fair opportunities and treatment for all employees, regardless of their background or identity.
Inclusion focuses on creating a sense of belonging and acceptance for all employees, fostering...read more
Q143. What is Bert and transformer
Bert and transformer are models used in natural language processing for tasks like text classification and language generation.
Bert (Bidirectional Encoder Representations from Transformers) is a transformer-based model developed by Google for NLP tasks.
Transformer is a deep learning model architecture that uses self-attention mechanisms to process sequential data like text.
Both Bert and transformer have been widely used in various NLP tasks such as sentiment analysis, questio...read more
Q144. What is amortisation
Amortisation is the process of spreading out the cost of an intangible asset over its useful life.
Amortisation is similar to depreciation, but it is used for intangible assets such as patents, copyrights, and trademarks.
It helps in matching the expense of the intangible asset with the revenue it generates over time.
The amortisation expense is recorded on the income statement and reduces the value of the intangible asset on the balance sheet.
Amortisation is calculated using th...read more
Q145. What is dilution
Dilution is the process of reducing the concentration of a solute in a solution by adding more solvent.
Dilution involves adding more solvent to decrease the concentration of a solute.
The formula for dilution is C1V1 = C2V2, where C1 and V1 are the initial concentration and volume, and C2 and V2 are the final concentration and volume.
Dilution is commonly used in chemistry labs to prepare solutions of a desired concentration.
For example, if you have a 1M solution and you add wa...read more
Q146. Difference between Bond and Equity
Bonds are debt securities while equity represents ownership in a company.
Bonds are issued by companies or governments to raise capital and pay interest to bondholders.
Equity represents ownership in a company and gives shareholders voting rights and a share of profits.
Bonds have a fixed interest rate and maturity date while equity does not have a fixed return or maturity.
Bonds are generally considered less risky than equity as they have a fixed return and priority in case of b...read more
Q147. What is corporate action?
Q148. Optimization Techniques
Optimization techniques are methods used to improve the efficiency and performance of software applications.
Use of algorithms like dynamic programming and greedy algorithms
Profiling and performance tuning to identify bottlenecks
Code refactoring to improve readability and maintainability
Utilizing caching and memoization for faster access to data
Parallel processing and multi-threading for improved concurrency
Q149. Types of mutual fund?
Mutual funds can be categorized into equity, debt, hybrid, solution-oriented, and others.
Equity funds invest in stocks of companies
Debt funds invest in fixed income securities
Hybrid funds invest in both stocks and bonds
Solution-oriented funds are designed for specific goals like retirement or child education
Others include index funds, sector funds, and international funds
Q150. How hashmap works
HashMap is a data structure that stores key-value pairs and allows for fast retrieval of values based on keys.
HashMap uses a hash function to map keys to indices in an array.
Collisions can occur when multiple keys hash to the same index, which is resolved using techniques like chaining or open addressing.
HashMap in Java is a popular implementation that provides constant-time complexity for basic operations like get and put.
Q151. Difference between Cmbs vs Rmbs
CMBS are securities backed by commercial mortgages, while RMBS are securities backed by residential mortgages.
CMBS are backed by commercial properties such as office buildings, shopping centers, and hotels.
RMBS are backed by residential properties such as single-family homes, condos, and townhouses.
CMBS tend to have higher loan amounts and lower prepayment rates compared to RMBS.
RMBS are more sensitive to changes in interest rates and housing market conditions than CMBS.
Q152. Pagination in SQL
Pagination in SQL allows for displaying a subset of query results at a time.
Use LIMIT and OFFSET clauses in SQL queries to implement pagination.
LIMIT specifies the maximum number of rows to return.
OFFSET specifies the number of rows to skip before starting to return rows.
Q153. Arraylist find duplicate
Find duplicates in an ArrayList of strings.
Iterate through the ArrayList and use a HashSet to keep track of seen elements.
If an element is already in the HashSet, it is a duplicate.
Store the duplicates in a separate ArrayList or print them directly.
Q154. What is OOP features
OOP features are key concepts in Object-Oriented Programming that include encapsulation, inheritance, polymorphism, and abstraction.
Encapsulation: Bundling data and methods that operate on the data into a single unit (object)
Inheritance: Ability for a class to inherit properties and behavior from another class
Polymorphism: Ability for objects to be treated as instances of their parent class or their own class
Abstraction: Hiding the complex implementation details and showing o...read more
Q155. Write a code using stream
Using stream to filter a list of strings
Use the filter method to apply a predicate to each element in the stream
Convert the stream back to a list using the collect method
Q156. Circuit Breaker design pattern
Circuit Breaker design pattern is used to prevent a system from repeatedly trying to execute an operation that is likely to fail.
Circuit Breaker pattern is used to handle faults in distributed systems by providing a way to fail fast and prevent cascading failures.
It monitors the number of failures and once a threshold is reached, it opens the circuit and stops executing the operation.
After a certain period of time, the circuit can be half-opened to test if the operation is su...read more
Q157. tell me abt urself
I am a dedicated and hardworking individual with a passion for learning and problem-solving.
Graduated with a degree in Computer Science
Worked as a software developer for 3 years
Volunteer at local community center teaching coding to kids
Q158. What is SpringBoot
SpringBoot is a Java-based framework used to create stand-alone, production-grade Spring-based Applications.
SpringBoot simplifies the process of creating and deploying Spring applications by providing a set of default configurations.
It eliminates the need for XML configurations and allows developers to focus on writing business logic.
SpringBoot includes embedded servers like Tomcat, Jetty, or Undertow for deploying applications as standalone JAR files.
It offers a wide range o...read more
Q159. Appraisal handling experience
Handled performance appraisals for team members, providing feedback and setting goals.
Conducted regular performance reviews with team members
Provided constructive feedback on strengths and areas for improvement
Set clear goals and expectations for team members
Documented performance discussions and outcomes
Collaborated with HR on performance improvement plans if needed
Q160. Prepayment risk meaning
Prepayment risk refers to the risk that borrowers will pay off their loans earlier than expected, resulting in a loss of future interest payments for the lender.
Prepayment risk is common in mortgage-backed securities, where homeowners can refinance their mortgages at lower interest rates, causing the investor to lose out on expected interest income.
It can also occur in bonds or other fixed-income securities when interest rates fall, prompting issuers to redeem the bonds early...read more
Q161. NLP pre processing techniques
NLP pre processing techniques involve cleaning and preparing text data for analysis.
Tokenization: breaking text into words or sentences
Stopword removal: removing common words that do not add meaning
Lemmatization: reducing words to their base form
Normalization: converting text to lowercase
Removing special characters and punctuation
Q162. Describe abt urself
I am a highly analytical and detail-oriented Senior Data Analyst with a strong background in statistical analysis and data visualization.
Over 5 years of experience in analyzing complex data sets to drive business decisions
Proficient in SQL, Python, and data visualization tools such as Tableau
Strong communication skills to effectively present findings to stakeholders
Experience in developing predictive models and forecasting techniques
Mentored junior analysts to improve their d...read more
Q163. What is PE
Q164. exception in java
An exception in Java is a runtime error that disrupts the normal flow of a program.
Exceptions are objects that are thrown when an error occurs during the execution of a program.
They can be caught and handled using try-catch blocks.
Common types of exceptions in Java include NullPointerException, ArrayIndexOutOfBoundsException, and IOException.
Q165. Share few challenges
Some challenges include managing diverse teams, handling budget constraints, and ensuring compliance with regulations.
Managing diverse teams with different backgrounds and work styles
Handling budget constraints and finding ways to cut costs without sacrificing quality
Ensuring compliance with regulations and staying up-to-date with changing laws
Dealing with employee conflicts and resolving them in a fair and timely manner
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