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20+ TIAA Global Business Services Interview Questions and Answers

Updated 21 Aug 2024

Q1. design a html page with a button to print text when clicked

Ans.

HTML page with a button to print text when clicked

  • Create a button element in HTML

  • Add an onclick event to the button that calls a JavaScript function

  • In the JavaScript function, use the window.print() method to print text

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Q2. Do you know design patterns? Please describe a few and their use cases.

Ans.

Yes, design patterns are reusable solutions to common software problems.

  • Creational patterns: Singleton, Factory, Abstract Factory

  • Structural patterns: Adapter, Decorator, Facade

  • Behavioral patterns: Observer, Strategy, Command

  • Use cases: improving code quality, reducing development time, promoting code reuse

  • Example: Singleton pattern ensures only one instance of a class is created and provides a global point of access to it

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TIAA Global Business Services Interview Questions and Answers for Freshers
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Q3. How to manage new requirements in between

Ans.

Manage new requirements by prioritizing, communicating with stakeholders, and adjusting project timelines.

  • Prioritize new requirements based on impact and urgency

  • Communicate with stakeholders to ensure alignment and manage expectations

  • Adjust project timelines and resources as needed to accommodate new requirements

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Q4. What is your experience with system design & architecture?

Ans.

I have extensive experience in system design and architecture.

  • I have designed and implemented complex systems for various clients.

  • I have expertise in designing scalable and fault-tolerant systems.

  • I have experience in selecting appropriate technologies and frameworks for system design.

  • I have worked on both monolithic and microservices-based architectures.

  • I have designed and implemented RESTful APIs and message-based systems.

  • I have experience in cloud-based architectures and de...read more

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Q5. How do you do Budgeting

Ans.

Budgeting involves creating a financial plan for a specific period of time.

  • Identify income sources and expenses

  • Set financial goals

  • Allocate funds to different categories

  • Track spending and adjust budget as needed

  • Use budgeting tools and software

  • Consider unexpected expenses and emergencies

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Q6. What is BST Tree. Write function for insertion of BST tree.

Ans.

BST Tree is a binary tree data structure where each node has at most two children, with left child nodes being less than the parent node and right child nodes being greater.

  • BST Tree stands for Binary Search Tree.

  • In a BST Tree, the left subtree of a node contains only nodes with keys less than the node's key, and the right subtree contains only nodes with keys greater than the node's key.

  • Example: Inserting values 5, 3, 7, 1, 4 into a BST Tree would result in a tree with root n...read more

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Q7. What are oops concepts

Ans.

Oops concepts are the fundamental principles of Object-Oriented Programming.

  • Encapsulation - binding data and functions together

  • Inheritance - creating new classes from existing ones

  • Polymorphism - ability of objects to take on many forms

  • Abstraction - hiding implementation details from users

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Q8. Fibonacci sequence using dp

Ans.

Fibonacci sequence can be efficiently calculated using dynamic programming.

  • Create an array to store the Fibonacci numbers

  • Initialize the first two values of the array as 0 and 1

  • Use a loop to calculate the Fibonacci numbers and store them in the array

  • Return the nth Fibonacci number from the array

  • Time complexity: O(n)

  • Space complexity: O(n)

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Q9. acid properties

Ans.

Acid properties refer to the characteristics of acids that distinguish them from other substances.

  • Acids have a sour taste and can corrode metals.

  • They turn blue litmus paper red.

  • They react with bases to form salts and water.

  • They have a pH less than 7.

  • Examples of acids include hydrochloric acid, sulfuric acid, and acetic acid.

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Q10. What are mutual funds?

Ans.

Mutual funds are investment vehicles that pool money from multiple investors to invest in a diversified portfolio of stocks, bonds, or other securities.

  • Mutual funds are managed by professional fund managers.

  • Investors buy shares in the mutual fund and the value of their investment is determined by the performance of the underlying securities.

  • Mutual funds offer diversification, liquidity, and convenience to investors.

  • There are different types of mutual funds, such as equity fun...read more

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Q11. Investment portfolio you'll make if you had 50 Lakhs

Ans.

I would invest in a diversified portfolio with a mix of stocks, bonds, and mutual funds.

  • Allocate 50% to stocks, 30% to bonds, and 20% to mutual funds

  • Invest in blue-chip stocks with a proven track record

  • Choose bonds with a high credit rating and low risk

  • Select mutual funds with a mix of equity and debt instruments

  • Rebalance the portfolio periodically to maintain the desired asset allocation

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Q12. Partitioning and Bucketing in hive with examples

Ans.

Partitioning and bucketing are techniques used in Hive to improve query performance.

  • Partitioning divides data into smaller, more manageable parts based on a specific column.

  • Bucketing further divides data into equal-sized buckets based on a hash function.

  • Partitioning and bucketing can be used together to optimize queries.

  • Example: Partitioning by date column and bucketing by user ID column in a user activity log table.

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Q13. What is accrued income?

Ans.

Accrued income is the income that has been earned but not yet received or recorded in the books of accounts.

  • It is a type of income that has been earned but not yet received.

  • It is recorded in the books of accounts as a current asset.

  • Examples include interest income, rent income, and commission income.

  • It is recognized as revenue in the income statement when earned, not when received.

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Q14. what is the significance of fix ?

Ans.

Fix is significant as it refers to repairing or correcting something to ensure it functions properly.

  • Fixing errors or bugs in software development is crucial for the program to work correctly.

  • In the context of maintenance, fixing equipment promptly can prevent costly breakdowns.

  • Fixing relationships or misunderstandings can lead to improved communication and harmony.

  • Fixing a leaky faucet can save water and prevent water damage in a home.

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Q15. What is HTML and CSS?

Ans.

HTML and CSS are languages used for creating and styling web pages.

  • HTML (Hypertext Markup Language) is used for structuring the content of a web page.

  • CSS (Cascading Style Sheets) is used for styling the visual presentation of a web page.

  • HTML uses tags to define elements like headings, paragraphs, images, links, etc.

  • CSS allows for customization of colors, fonts, layouts, and other visual aspects of a web page.

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Q16. What is yield

Ans.

Yield is the return on investment, expressed as a percentage of the initial investment.

  • Yield is the income generated by an investment.

  • It is calculated by dividing the annual income by the initial investment.

  • Yield can be expressed as a percentage or a dollar amount.

  • Different types of investments have different yields, such as stocks, bonds, and real estate.

  • Yield can be affected by factors such as interest rates, inflation, and market conditions.

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Q17. How is discount rate decided

Ans.

Discount rate is decided based on various factors such as inflation, risk, market conditions, and opportunity cost.

  • Discount rate is the rate at which future cash flows are discounted to their present value.

  • It is determined by considering the prevailing market interest rates, inflation rates, and the level of risk associated with the investment.

  • The opportunity cost of investing in one project over another is also taken into account while deciding the discount rate.

  • For example,...read more

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Q18. Types of Polymorphism

Ans.

Polymorphism refers to the ability of an object to take on multiple forms.

  • There are two types of polymorphism: compile-time polymorphism and runtime polymorphism.

  • Compile-time polymorphism is achieved through function overloading and operator overloading.

  • Runtime polymorphism is achieved through virtual functions and function overriding.

  • Polymorphism allows for more flexible and reusable code.

  • Example of compile-time polymorphism: function overloading - multiple functions with th...read more

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Q19. Financial Ratios you know of

Ans.

Financial ratios are tools used to analyze a company's financial health and performance.

  • Liquidity ratios: measure a company's ability to meet short-term obligations

  • Profitability ratios: measure a company's ability to generate profits

  • Debt ratios: measure a company's leverage and ability to repay debt

  • Activity ratios: measure a company's efficiency in managing assets

  • Examples include current ratio, return on equity, debt-to-equity ratio, inventory turnover ratio

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Q20. Code Singleton in Java

Ans.

Singleton pattern ensures a class has only one instance and provides a global point of access to it.

  • Create a private static instance variable of the class.

  • Make the constructor private to prevent instantiation from outside the class.

  • Provide a static method to get the instance, creating it if necessary.

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Q21. Reverse a String with Java Method

Ans.

Use StringBuilder class to reverse a string in Java.

  • Create a StringBuilder object with the input string.

  • Use the reverse() method of StringBuilder to reverse the string.

  • Convert the reversed StringBuilder object back to a string using toString() method.

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Q22. how to use CRD?

Ans.

CRD stands for Create, Read, Update, Delete. It is a common acronym used in database management to refer to the basic operations that can be performed on data.

  • Create - Adding new data to the database

  • Read - Retrieving existing data from the database

  • Update - Modifying existing data in the database

  • Delete - Removing data from the database

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