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Credit worthiness is assessed by analyzing an individual's credit history, income, debt-to-income ratio, and overall financial stability.
Reviewing credit reports to check for any missed payments or defaults
Evaluating income sources and stability
Calculating debt-to-income ratio to assess ability to repay loans
Considering overall financial stability and savings
Using credit scoring models to predict risk
Liquidity is crucial for both customers and bankers to ensure smooth operations and financial stability.
Liquidity allows customers to easily access their funds when needed
Banks need liquidity to meet withdrawal demands and fund operations
Balancing liquidity is important to avoid financial crises
Examples: Customers withdrawing cash from ATMs, banks maintaining reserve requirements
Diversion of extra sensory perception refers to the ability to redirect one's focus from external stimuli to internal thoughts or sensations.
Ability to block out distractions and focus on internal thoughts or sensations
Practice mindfulness techniques to enhance diversion of extra sensory perception
Examples: meditation, deep breathing exercises, visualization techniques
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I applied via Recruitment Consultant and was interviewed in Mar 2021. There were 3 interview rounds.
A framework is a set of guidelines, standards, and tools used to develop software applications.
A framework provides a structure for developers to build upon
It includes pre-written code and libraries to simplify development
Frameworks can be specific to a programming language or platform
Examples include React for web development and TensorFlow for machine learning
posted on 19 Nov 2020
I applied via Campus Placement and was interviewed in Jan 2021. There were 3 interview rounds.
Swap two numbers with and without temporary variable
Without temporary variable: Use addition and subtraction
With temporary variable: Use a third variable to store the value of one of the numbers
Example without temporary variable: a=5, b=7; a=a+b; b=a-b; a=a-b;
Example with temporary variable: a=5, b=7; temp=a; a=b; b=temp;
I applied via Naukri.com and was interviewed in Jan 2020. There were 3 interview rounds.
Depreciation is necessary to allocate the cost of an asset over its useful life.
Depreciation helps in matching the cost of an asset with the revenue it generates.
It allows for the recognition of the wear and tear, obsolescence, and loss of value of assets over time.
Depreciation expense reduces taxable income, resulting in tax savings for companies.
It helps in determining the true profitability and financial position of...
I applied via Naukri.com and was interviewed in Oct 2020. There was 1 interview round.
Second level cache is a caching mechanism used to improve performance by storing frequently accessed data in memory.
Second level cache is implemented at the application level and can be configured using frameworks like Hibernate.
To optimize SQL queries, one can use indexes, avoid using SELECT *, and use JOINs instead of subqueries.
SOLID principles are a set of design principles for writing maintainable and scalable cod...
To deploy an application in AWS, you need to create an EC2 instance, configure security groups, install necessary software, and upload your application code.
Create an EC2 instance in the desired region and select the appropriate instance type
Configure security groups to allow traffic to and from the instance
Install necessary software and dependencies on the instance
Upload your application code to the instance
Start the ...
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Assistant Manager
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TCS
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