This is a research proposal . We are looking at your ability to think logically as well as do research on the internet.

You are given P&L (profit and loss) responsibility of a segment at Ruby Card Finance Limited. This is like a CEO position.

The company issues credit cards to blue collar workers (like Swiggy delivery boys), SME business owners (like a shop keeper) etc. The segment you are given control of is called 'Good bureau high volume transactors'.

However, there is a problem - You can see that month on month your loss rates are creeping up in this segment by annualized 100 basis points , and you need to turn around the profitability of this segment in the next three months.

List down ALL the questions that you need answers for to successfully craft a strategy to increase profitability of this segment.

For each question:

• list MULTIPLE potential answers
• for each answer, mention the rupee value of that answer. Rupee value of the answer is simply "the cost impact to your overall strategy, if this answer were actually correct". Remember, some answers may not be correct, but the rupee value of that answer may be high. For example, one answer can be "ask Finance Minister of India to compensate Ruby Card if delivery boys have failed to repay loan". The probability of this answer being correct is very low... but the rupee value of this answer is VERY HIGH!! Please remember, do not simply say "rupee value is high", we need the value per 100 rupee of business.
• for each answer, mention the probability that answer being correct. Please give us a number value of estimated probability.
• In addition, mention how you will increase this probability. This is a critical part of strategy and we will be evaluating this closely. This is the place where you should think outside the box - bring an element of "jugaad" when you are trying to increase probability here.

IMPORTANT: An answer can also have a subquestion in it. The best strategies that we have seen from people have very deep levels of subquestions!

To get these questions, do industry research (or read reports) for the same. Please link/cite the reports you have read to create these questions. If you want data, then you should look at industry/market reports. Dont ask us for anything.

IMPORTANT: the quality of the questions is an important factor for selection. So please dont try to avoid hard questions - that will guarantee that you will not be shortlisted. Examples of bad questions are "what is a credit card", "what are transactors and revolvers", "how does a credit card make money"