Oxane Partners Interview Questions, Process, and Tips for Freshers

Q1. Securitisation and how it works.
Ans. 
Securitisation is the process of pooling various types of debt and selling them as securities to investors.
• Securitisation involves bundling together various types of debt, such as mortgages, auto loans, or credit card debt.

• These debts are then sold to a special purpose vehicle (SPV) which issues securities backed by the cash flows from the underlying assets.

• Investors purchase these securities and receive payments based...read more
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Q2. Financial Ratios and how they work and what is a good number to have.
Ans. 
Financial ratios are tools used to evaluate a company's financial performance and health.
• Financial ratios are calculated using data from a company's financial statements.

• They help investors and analysts assess a company's profitability, liquidity, efficiency, and solvency.

• A good number for a financial ratio can vary depending on the industry and company size.

• For example, a current ratio of 2 or higher is generally cons...read more
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Q3. Random number crunching based on some scenario that needs you to make assumptions and get an answer
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Q4. How an Excel function works. (Vlookup, Hlookup, Xlookup, IF/AND/OR)
Ans. 
Excel functions like Vlookup, Hlookup, Xlookup, IF/AND/OR are used for data lookup and logical operations.
• Vlookup: Searches for a value in the first column of a table and returns a value in the same row from a specified column.

• Hlookup: Similar to Vlookup but searches for a value in the first row of a table.

• Xlookup: A more versatile version of Vlookup and Hlookup that can search both vertically and horizontally.

• IF: Retu...read more
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Q1. Personal Questions.
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Q2. My expertise and proficiency of excel
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Q1. No questions. Was confirmed my job
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6 sections. sec 1 verbal. sec 2 accounting. sec 3 general knowledge. sec 4 excel. sec 5 logic and reasoning. sec 6 quant.

Q1. What is solvency ratio and how can you tell about it.
Ans. 
Solvency ratio measures a company's ability to meet its long-term debt obligations.
• Solvency ratio is calculated by dividing a company's net income by its total liabilities.

• A higher solvency ratio indicates a company is more financially stable and able to meet its debt obligations.

• For example, a solvency ratio of 0.5 means a company's net income is only half of its total liabilities.
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Q1. Questions about Time Value of Money, 2008 Financial Crisis, Collateralization of Debt, other questions related to Finance and Credit
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Q1. Questions consisting of Puzzles were asked
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Q1. What is securitization?
Ans. 
Securitization is the process of converting illiquid assets into marketable securities.
• Securitization involves pooling together assets such as mortgages, auto loans, or credit card debt.

• These assets are then sold to a special purpose vehicle (SPV) which issues securities backed by the cash flows from the assets.

• Investors can then buy these securities, which offer a return based on the cash flows from the underlying ass...read more
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Q2. Walk me through your CV
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Q3. How do you arrive at the terminal growth rate while preparing a financial model?
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The terminal growth rate is arrived at by considering the long-term growth prospects of the company.
• Consider the industry growth rate and the company's historical growth rate

• Analyze the company's competitive position and market share

• Evaluate the company's future investment plans and potential for expansion

• Take into account any regulatory or economic factors that may impact growth

• Use a range of values to account for unc
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Q4. If you have two ropes that burn in 60 seconds but not at the same rate. They burn unevenly. Given a match and the two ropes how would you figure out the 45 seconds mark?
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Q5. Explain indirect and offset functions in excel
Ans. 
Indirect and Offset are functions in Excel used to reference cells or ranges indirectly.
• Indirect function is used to reference a cell or range using a text string that contains the cell or range address.

• Offset function is used to reference a cell or range that is a specified number of rows and columns away from a given cell or range.

• Both functions are useful for creating dynamic formulas that can be updated easily.

• Exam...read more
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Q6. What do you understand by loan servicing?
Ans. 
Loan servicing refers to the management of loans after they have been issued.
• It involves collecting payments from borrowers, managing escrow accounts, and handling delinquencies and defaults.

• Loan servicing can be done by the lender or a third-party servicer.

• Servicers may also provide customer service and support to borrowers.

• Examples of loan types that require servicing include mortgages, student loans, and auto loans.
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