Ninjacart Interview Questions, Process, and Tips

Q1. Process of lending
Ans. 
The process of lending involves evaluating the creditworthiness of borrowers and determining the terms and conditions of the loan.
• Assessing the creditworthiness of borrowers by reviewing their credit history, income, and financial statements

• Analyzing the borrower's ability to repay the loan by considering their debt-to-income ratio and cash flow

• Determining the loan amount, interest rate, and repayment period based on t...read more
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Q2. Working capital
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Q1. Risks involved in lending
Ans. 
Risks involved in lending include credit risk, interest rate risk, and operational risk.
• Credit risk: the risk of borrowers defaulting on their loans

• Interest rate risk: the risk of interest rates changing and affecting loan repayments

• Operational risk: the risk of errors or fraud in the lending process

• Other risks: such as liquidity risk, market risk, and regulatory risk
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Q2. Handling of the risks
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Handling of risks involves identifying, assessing, and mitigating potential risks to minimize financial losses.
• Identify potential risks by analyzing credit reports, financial statements, and market trends.

• Assess the likelihood and impact of each risk to prioritize mitigation efforts.

• Implement risk mitigation strategies such as setting credit limits, requiring collateral, or adjusting payment terms.

• Regularly monitor and...read more
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Q1. Basic questions and previous company relevant questions
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Q2. Tell me about yourself.
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Data Structures, Coding MCQs

Q1. What is Data Structure
Ans. 
Data structures are organized formats for storing, managing, and accessing data efficiently.
• 1. Types: Common data structures include arrays, linked lists, stacks, queues, trees, and graphs.

• 2. Arrays: Fixed-size collections of elements, e.g., [1, 2, 3, 4].

• 3. Linked Lists: Collections of nodes where each node points to the next, e.g., 1 -> 2 -> 3.

• 4. Stacks: Last-in, first-out (LIFO) structures, e.g., function call ...read more
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Q2. Write DFS Algorithm
Ans. 
Depth-First Search (DFS) is a graph traversal algorithm that explores as far as possible along each branch before backtracking.
• DFS uses a stack data structure, either explicitly or via recursion.

• It starts from a selected node and explores each branch before backtracking.

• Example: In a binary tree, DFS can be implemented using pre-order, in-order, or post-order traversal.

• DFS can be used to find connected components in a ...read more
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Q1. HR questions strengths weaknesses risks taken
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Q1. Guesstimate why startup
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Startups are innovative, agile, and have the potential for rapid growth.
• Startups are able to quickly adapt to market changes and customer needs.

• They have the potential for high growth and scalability.

• Startups often focus on disruptive technologies or business models.

• They are usually founded by entrepreneurs with a vision for solving a specific problem or meeting a market need.
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