C1 business manager powerday过经 + 地里面经统计

分享一下我的面经…希望能给team match攒攒人品


BQ questions： achievements, help others, failure


第一轮product case, 问了digital app, 让我简单介绍一下这个app, 如何make money, target customer, 6 ways of improvement. 只问了这一个，没有问10 ways to improve XXX


第二轮case考了network company。

• revenue and cost
• price = $40/mo, 3 month free. Cost = $25/mo./customer. 1 time setup f
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  收庄稼    8
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  $300 over limit fee  5
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  internet company  4
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丰富的绿豆 发表于 2025-2-4 15:35
感謝lz 🥹
已給大米！

我发啦~感谢大米~

丰富的绿豆 发表于 2025-02-04 07:13:41
前幾題常見題目好頻繁，但地上很少有非常完整的題目和解答
求之後有好心人有完整的

那我等下把题放上来

感谢姐妹分享！！！

前幾題常見題目好頻繁，但地上很少有非常完整的題目和解答🥲

求之後有好心人有完整的

physicsbamboo74 发表于 2025-02-04 11:56:08
那我等下把题放上来

感謝lz 🥹
已給大米！

https://www.1point3acres.com/bbs/thread-770973-1-1.html

case是credit card，先问credit card如何盈利，如何界定是否应该approve
例子是某人刷卡300刀,给current balance，credit limitation，interest rate（interested paid monthly in future 3 months），cost of fund rate，transaction fee%，default rate，问是否要approve这笔transaction，算break even和画图等
还是revenue-cost=profit一套分析，就是一定要问清楚每个rate是revenue side还是cost side，yearly还是monthly，要乘在哪笔钱上，乘完之后与balance和limit的关系

CASE 2: 依然是地里出现过的信用卡题，有一笔$300的交易将会使credit balance above the credit limit
Q1:这里先没有引出over credit limit的条件,只是问你如果你被要求approve or decline a transaction, what factors to consider
Is it an unnormal transaction (big transaction at an unusual location? Shop? Suspicious website?)
Is it over credit limit
Q2: 有一笔300刀的消费，over the credit limit, again, what factor to consider?
Q3: 给了数据， credit line $5000, current balance$4800, APR15%, cost of fund 3%, interchange fee 1.5%, assume 98% pay off the transaction, 2% default, will you approve such transaction?
Revenue = (300*(15%-3%)/12+200*1%+100*1%)98% +1.5%*300 = 10.38
Cost = 300* 2%
Profit = 10.38- 6 =4.38
算出来expected gain = 4.38,so approve it
Q4: 因为上一题算出来positive expected gain, 银行决定approve 类似的transactions,但是一段时间后发现收益是负的，什么原因？
Real default rate is higher than expectation
Q5: 现在发现实际default rate是7%而不是2%，我们应该approve吗？
Cost = 300*7% =21
Revenue= (300*(15%-3%)/12+200*1%+100*1%)93% +1.5%*300=5.58+ 4.5=10.08
Profit = 10.08-21 = -10.92
算出来为-10.92,所以不要approve
Q6: what default rate to make it breakeven?
300X=6(1-X)+4.5
306X=10.5
X= 3.43
算出来3.4%
Q7: draw a graph to reflect relationship between default rate (X axis) and profit (Y axis)

May I ask how you get The answer is 6667 for the network company case? I tried a lot but cannot get the right answer. Thanks