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Hello there,This answer is all about my experience in the program “Master Certificate in Cyber Security (Red Team)” offered by Jigsaw Academy in collaboration with Hacker U.My JourneyEthical Hacking is not an overnight dream for me, I and my friend used to discuss this since our graduation. We don’t know where to start and how to start. We kept this subject aside and started running for life as everyone does.I should appreciate the Digital Marketing Team of Jigsaw Academy for targeting the exact audience. I was one of the students who enrolled in this course through an advertisement.Phase 1After multiple calls and emails, I went to Jigsaw Academy on the invitation to speak with Hacker U’s CEO, Global Education Mr. Ariel Cohen. After discussing with him, I enrolled for the course then and there only.I was informed that the course starts on the same day. Within 2 hours JigsawAcademy helped me to finish the process and receive login credentials for Hackampus LMS (Learning Management System of Hacker U).The instructor is Lion Kontorer. Lion is leading the Offensive Security Team of Hacker U.He started from scratch but it’s difficult for me to understand as I’m a commerce student. Few topics I intentionally missed and then I realized how important they are.My humble request for you not to miss even a single lecture that creates a gap in future lectures. Be patient you’re not the only one.Lion Kontorer about this coursePhase 2Lion explained very well, then I attended 1-week classroom training which is a part of Phase 2 by Oleg Karant.To be very genuine we had a lot of issues in Phase 2.Internet Connection was PoorProblem with Israel AscentLack of time management andNot able to grab the content quickly etc.,I am one of the students who raised voice about these issues since 2nd Day in Phase 2. One day we reached Sonu, and he connected us with Sarita. She promised a few things about the infrastructure that they are going to do.We were not really satisfied, not as productive as expected in Phase 2. Because of the above-mentioned issues. We missed one or two concepts partially.Post completion of Phase 2, we have to give an exam to gain eligibility for Phase 3. Except for two of our friends, every one qualified for this exam. For us, the qualifying marks are 70. I finished the exam and scored 92 I think.Then, I had counseling with Sonu about the course, feedback and he was able to help me partially and he sent me few emails as requested by me, he got approval for a few of my requests in course.Phase 3I’ve already wasted 4 months in searching for a course, now I can’t wait for one more batch and decided to get into Phase 3. Jigsaw connected me with Propelld team for financial assistance.Phase 3 started after a gap of 10–20 days from Phase 2. As we are familiar with Oleg, we are excited to get started. I had the same attitude to question what has been promised and not done rather than utilizing the provided one.Oleg trained us in Linux, Windows Server Administration, Bypassing Perimeter concepts. It was so clear and on point. Though Oleg was slow in teaching, he used to help a lot and he thinks from the perspective of least in the class. Oleg is so nice and friendly, he used to sit with us, he helps us in troubleshooting network, Linux, server issues.After 4 weeks of Journey, we had Vladi Fidchuk as an instructor for Advanced Infrastructure and Python for Hacking. Vladi was the most active trainer who teaches everything with fun so that students can understand easily. He is very passionate about things and open-minded.Vladi claims himself a technical guy which is 100% correct and he is a Master in Programming. He believes and encourages students to practice rather than being calm in class and at home. Of course, we need practice for Python. I am very new to programming. However, I was able to write small programs and I can understand the function of the program by looking at the code. Rama Chandra Prasad Mylapuram (The most dedicated, joyful person in the classroom) helped me a lot in Python and the rest of the course as well.Suggestion: Don’t get confused by errors after writing 100 lines of code. Start executing one by one, it will be easy to understand and troubleshoot errors.Then we had Yosi Magor for Web And Mobile Security. He was a security researcher at eBay and Instructor at Hacker U. He does bug bounty as well.He started from basic languages like HTML, XML, CSS, JS, etc., Yosi is a different person, if you post a question, he will ask you to research about it. Only if you are not able to find the solution, he will help you.I suggest you read How to ask good questions — The art of questioningHe was an expert in bypassing iPhone locks. He plays with android security. He personally guided me in bug bounty. He explained how he was able to compromise eBay. He also shared experience with one of his students who tried to secure an organization and get into trouble.From the 4th day of Yosi’s class, I started looking at normal websites to Bruteforce. I was not aware of any of the other bugs by that time. I was able to report an insecure login page to TicketNew and received honors for reporting it.Apart from that, I am able to report a security issue in payments for a fast-growing company in Bangalore, which ends with a bug bounty of USD 300 and a hall of fame.I really felt proud myself for that and I shared the same with all my instructors and fellow students.Then we had Swaroop Yermalkar and Azaz for iOS Security, Reverse Engineering, Buffer Overflow, etc., Swaroop was mastered in iOS Security. He authored a book Learn iOS Penetration Testing.Swaroop is the Head of Cyber Security, Hacker U, India. He helped us in understand the security concepts and he used to give us practical examples in malware analysis to report them. I personally felt that Swaroop has an ocean of knowledge, but by default, you can’t see that. You have to speak to him, and you have to ask questions.If you have interest he will explain the concepts in more detail, but in general, he will explain up to one extent. If one person is not able to understand the concept he will change the approach and explain it again.Swaroop used to call students to teach the class for a couple of minutes on a specific topic on a daily basis. I taught it was a time waste process because very less time of 3 months and on top of it we are not getting any placement information etc., However, it helped many of us to know where we stand in terms of communication and knowledge.The one un-sung superhero of the class is Yogendra Swaroop. He is an OSCP Certified. In terms of knowledge, he is like a walking Wikipedia. You ask him for a suggestion or question. Most probably he will give you 5–10 sources to learn it if he was not completely aware of it. If he was aware you will get to know directly from him.He is the coolest person in the class who encourages students that are trying to learn this subject. No matter whether it’s a small or big achievement he will clap for you, he will encourage you, he will push you, he will guide and he will be always there for you.CertificationTo be eligible to receive a “Master Certificate in Cyber Security (Red Team)” program certificate you should score a minimum of 70% in the final exam. Along with that, there are other conditions like your attendance, assignments, performance, etc.,If you satisfy all the above you will receive a certificate like the following.PlacementsI think this is the most awaited section for all of the readers and students who are planning to join the Master Certificate in Cyber Security (Red Team).We had one company before completing Phase 3. Unfortunately, I was not shortlisted by that company because of the eligibility criteria. We have successfully completed the course as per the schedule. Now, it’s time for practice and placements.On completion, of course, the pandemic situation arose. We all left for our homes. I truly lost hope in placements. I wrote an email to Jigsaw Team about placements. They responded to me with an update that they are going to arrange interviews.I assumed, nothing is going on, just these people are giving false promises. Suddenly I got an email regarding a drive of a top cybersecurity company which is FireEye.However, I applied for that. I gave the exam and shortlisted for the second round. I cleared the second round and director discussion, confirmed by the HR Team on the same day. the very next day HR Discussion was scheduled and completed.The interview panel was so great not just because they shortlisted me, the interaction was fantastic.Then background verification was scheduled and partially completed due to lockdown. My offer letter got released with good CTC.The role did not exactly relate to Cyber Security. However, as I don’t have a technical degree, getting the opportunity itself is a great thing for me. That role is not as simple as I assumed.It will definitely help me to master a few concepts like Linux and networking. I am super excited about this. The process was very quick. Jigsaw did something beyond my expectations and imagination.I got one more email for Societe Generale Drive. I applied for it and by God's grace, I shortlisted for that as well. This happened before offering confirmation from the FireEye.The first-round interview was scheduled with Societe Generale. I attended it, this interview went really well. I’m pretty sure about the interview and told HR that I will be selected for sure.After a couple of days, I came to know that I was shortlisted, but as I already hold an offer in FireEye, Jigsaw informed them that I have an offer. So the next round was not scheduled.I forgot to tell you that I was also not eligible for Societe Generale as per their eligibility criteria. I don’t have a technical degree or I don’t have experience in the security domain.Your degree doesn’t matter, knowledge, and skills matter. Read it again.This was shared by Jigsaw Academy in one of their newsletters.Expected QuestionsWho can take this training?Anybody who has the desire to learn Cyber Security. If you are here just for the sake, this is not for you.Any pre-requisite for this course?Yes, there are few pre-requisites for this courseYou should be able to operate a computerThe desire to learn the subjectAbility research by own and practice a lot.You must be a graduate to be eligible for placementsWhat about Job Guarantee? Do we get placed immediately?Just because you completed this course, you won’t get a job for sure. Nobody on this planet can assure you a job if you don’t have self-confidence, subject knowledge and communication skills.A person who is an OSCP will have good knowledge, that’s the reason Jigsaw offering Guaranteed Placements for OSCP candidates. Don’t worry about the job, learn the skills, the job will search for you.If you are looking for a specific role after this course, it’s a little bit difficult. The minimum package offer by companies to date is 6 lakhs per annum, which is not bad for freshers and people who have 1–2 years experience.One thing, all I would want to say is, placement assistance is their responsibility. Don’t fight for placements unless you are confident enough that you can crack the interview.Think in this way, if they get one company for interviews and you are not able to perform well, you lost an opportunity. Don’t take me wrong, I’m not saying you’re not supposed to ask, you can and you have asked but before that make yourself prepared for everything.Don’t always depend on Jigsaw Academy for placements. Sometimes things can go wrong like the #CoronaVirus. So start searching on your own as well. Keep on attending interviews, so that you can understand and improve yourself.Will they teach all the concepts in-depth?I would say No, nobody can teach everything about a concept. It depends on the requirement, we can have both one word and one-page answer for a single question.90% of the course will be as scheduled in the course curriculum. Sometimes the instructor may change the schedule due to infrastructure unavailability or the importance of the concept. However they will touch all the concepts in the course curriculum, sometimes they will show real-world examples that are not mentioned in the curriculum.If you research on your own, you will be able to understand the whole concept. In the classroom, they can only teach what they can teach not everything. So be prepared for self-learning also.I don’t have technical education/experience so far, Will I be able to sustain in this domain?You don’t need to have a B.Tech, M.Tech, MS, MCA to sustain and succeed in this domain. You can be from any background and you can be a fresher also, this field is open for you. As said above you should have skills, that’s it. Many companies give opportunities for skilled professionals irrespective of their background.In my case, I shortlisted for two companies that are offering good CTC. Shortlisting will put you in an interview. Now it’s your turn to impress the employer with your skills and expertise.Show them why you’re unique among others, let them know what you can do for their company. Share your achievements, success no matter whether it's small or big.One small achievement will put you aside as a special candidate among all. A degree doesn’t matter for you to succeed in this domain, not just in this domain in most of the domains.Will they train from scratch?Yes, this training will be from scratch as per the topics mentioned in the website and brochure. But, It would help if you have already knowledge in Linux/Networking/Programming/Scripting (Optional)You’re on the right path, don’t miss the opportunity, later becomes never. All the best for your career.Click here to see the frequently asked questions about this course.Personal SuggestionsSpeak up — The best way to clear your doubts and questions is to speak to the responsible person.Practice — The only way to get experience in technical concepts or programming is by practice.Be Unique — If you do only what others are doing, you can’t be unique. Do something extra, prove to everyone that you are different. Help others how you did and be a part of their success as well.Be positive — Always be positive then only you can concentrate on course, you can’t learn the subject with a negative mindset.Be respectful — Respect everyone in the class, no matter what they did and what they are doing.Be prepared — Always be prepared for everything, especially for interviews. You may have short notice.Take feedback — Take feedback from instructors, friends and other students about yourself, your progress and work on the feedback so that you can improve yourselfI suggest you have the following on or before completion of course. Having doesn’t mean creating and keeping it aside. Spend some time on them, keep working on them, and share your knowledge. It helps to create a good portfolio.GitHubA personal blogAWS AccountI hope this article will give you a detailed overview of the course. All the best.

George, I randomly stumbled upon this and re-called a research paper I wrote in college, that in part, may help answer this question. It has been reproduced below.Addressing Global Warming on a Global ScaleThe issue of climate change has been a significant point of discussion within political circles and media outlets worldwide. There is an international consensus within organizations dedicated to mitigating climate change that tackling the this worldwide challenge is best handled through multilateral agreement because climate change will affect all the countries of the world irrespective of whether or not they contributed to the problem. The United Nations has acted as a key force in bringing the many nations of the world together for meetings on appropriate strategies based on the key scientific evidence in regards to human-induced climate change.The Intergovernmental Panel on Climate Change (IPCC) is a scientific intergovernmental body established in 1988 by the World Meteorological Organization (WMO) and the United Nations Environment Programme(UNEP) with the support and backing of the United Nations. The organization was created after scientific data supporting dramatic changes in the earth’s climate. Their main objective is published reports on the “the scientific, technical and socio-economic information relevant to understanding the scientific basis of risk of human-induced climate change, its potential impacts and options for adaptation and mitigation“.Based on their mission, assessments, and reports the IPCC supports the main international treaty on climate change established by the United Nations Framework Convention on Climate Change (UNFCCC) (3). This international treaty, also known as the Kyoto Protocol, was created with the mission of “stabilizing greenhouse gas concentrations in the atmosphere at a level that would prevent dangerous anthropogenic [i.e., human-induced] interference with the climate system (3).One of the main focuses of the IPPC is identifying climate change as a cause by human-induced activities rather than natural variability has dominated the discourse on climate change in the last decade (1). Particularly, the aim of the IPCC is to assess the scientific information from three major areas relating to the scientific data pertaining to human-induced climate change, the impacts of such climate change, and options for “adaption and mitigation” in response to the information assessed. The IPCC states that an overwhelming body of scientific evidence shows that current shifts and pace of climate change are largely due to human-induced activity caused greenhouse gases; primarily due to the generation of electricity, land use changes such as deforestation), and from agriculture and transportation (2).It is interesting to note that the IPCC as an organization does not conduct original research of their own; but rather bases their reports and assessments based on many of the scientific research and literature from a variety of sources, with preference given to peer-reviewed sources, but may use non peer-reviewed literature if they are deemed of sufficient scientific quality.These reports are analyzed, written and contributed by thousands of experts in climate change from through the scientific community around the world. The researchers are nominated by their respective governments and formed into relevant research teams. The reports are then sent to over 120 governments for review. The IPCC reports contain a specific section titled “Summary for Policymakers,” which must be approved methodically line-by-line by delegates from all the participating governments on the panel (3). Therefore the IPCC can be viewed as a scientific body reporting on evidence based literature for climate change so that countries belonging to the United Nations and their respective governments can formulate their climate policy changes.So far the IPCC has published four different assessments reports (with the fifth to be finalized at the end of this year – 2014) that comprehensively review the most recent published literature of climate change from leading scientific experts throughout the world. The first assessment report (AR 1) was produced in 1990, AR 2 in 1995, AR 3 in 2001 and the latest one AR 4 in 2007. The latest AR 4 is the most comprehensive of all the reports and highlights the conclusions of all the previous assessment reports as well. The reports was contributed my members from over 120 countries, over 2500 scientific experts, and over 800 contributing authors over a six year period (3).The conclusions of the report state that: changes in climate change are in large part due to the production of human-induced greenhouse gases, primarily from carbon dioxide, which is released into the atmosphere. Quoted directly from AR 4, the IPCC states that the “warming of the climate system is unequivocal, as is now evident from observations of increases in global average air and ocean temperatures, widespread melting of snow and ice and rising global average sea level”. Another very starking and bold statement that the 4th Assessment Report from the IPCC states: “Unmitigated climate change would, in the long term, be likely to exceed the capacity of natural, managed and human systems to adapt” (6).The assessment report also stresses the need for governments and citizens to adopt measure to reduce vulnerability and the impact of global warming is real and will continue into the foreseeable future. The report also highlights keys issues of concern that should be taken into account by policy makers in national , regional and multinational agencies and gives a measure of cost analysis, infrastructure and technology required to minimize the impact of climate change.As stated earlier, the Fifth Assessment report by the IPCC is set to be completed at the end of this calendar year (2014). However, since these reports take years to compile and write, the IPCC has published the Working Group 1 report of AR5. There are many interesting statements made in this report in regards to the severity and pervasiveness of human-induced activity in affecting climate change. The report states that human influence on the climate system is clear, with a 95-100% scientific probability that human influence was the dominant cause of global warming between 1901-2010. (6)A recurring theme in all assessment reports from the IPCC identifies three main areas of human-induced activities that are largely responsible for greenhouse gas emissions: that of which are energy use in industrial production and transportation where fossils fuels are burnt, agriculture and deforestation. Estimates presently show a 1.5F increase in temperature since the 1900’s and the potential of further increases in temperature in the range of 2 to 11.5ºF by 2100 (5).Plans to for Adaption and MitigationTo reduce greenhouse gases we must adopt more sustainable living patterns and alternative energy. Through a global effort of releasing less fossil fuels emissions and adopting green technology, global warming can be completely eliminated. IPPC, UNFCC (Kyoto Protocol) and UNEP are all organization between countries acting together and in an attempt to set environmental establishments to reduce greenhouse gas emissions around the world. Through these international agreements, policy options and considerations for governments to help reduce pollution and greenhouse gas emissions have been voiced and formulated. The main policy initiatives have been suggested in the form of carbon emission taxing, solar energy alternatives and emission trading systems; all of which help reduce greenhouse gas emissions by government control. However, it is up to the countries individual governments to take such considerations into action and implement them within their respective areas.IPCC is of the view that although the bulk of greenhouse gases are produced in the industrialized countries, the impact of climate change is and will in the future be felt more in the developing countries (7). The IPCC states that due to the infancy of their industrialized production markets, developing countries are more vulnerable to producing vast fluctuations in greenhouse emission and therefore need to adapt their technology and production processes towards earlier to better suit and a cleaner environment. It is therefore imperative that more industrialized and financially powerful nations offer help and support to these developing countries to establish an infrastructure that supports the mission of the IPCC and UNFCCC. The fourth assessment report of the IPCC states that “Some planned adaptation (of human activities) is occurring now; more extensive adaptation is required to reduce vulnerability to climate change” (6)In 2010, the UNFCCC signed an agreement, known as the Copenhagen Accord, to provide financial assistance to developing countries to help mitigate the costs of establishing the appropriate technologies and infrastructure to reduce their carbon footprint. The Convention agreed to provide $30 billion to developing countries from industrialized nations to support climate change initiatives leading up to 2012, and a mandate to increase funding $100 billion by 2020 (7)).An agreement was also reached between the nations that set up a deal to reduce deforestation in return for “subsidized” cash from developed countries. But this part of the agreement lacked the kind of independent verification of emission reductions by developing countries that the U.S. and others demanded, raising the issue of certainty whether another nation's pledge of financial commitment can be monitored and used efficiently.It has been criticized that a major drawback of international conventions such as the Kyoto Protocol is the main issue of regulation: there are no legally binding implications or regulations for reducing CO2 emissions that would help achieve their aim for keeping temperature rises below 2°C (8) . President Obama urged countries to show the world their achievements. He said that if they had waited for a binding agreement, no progress would have been made. Obama said: “This progress is not enough. We have come a long way, but we have much further to go” (8)Stronger proposals for climate control were drafted out final agreements made between the members of the protocol. This included earlier proposals that would have aimed to limit temperature rises to never rise above 1.5°C and to cut CO2 emissions by 80% by 2050 were drafted out at the last minute. Poor countries such as Africa supported this change. Developing nations saw the rejected proposals as an attempt by the rich world to thwart responsibility for climate change in order to protect economic growth. Personally, I see the summit’s inability to live up to the expectations of many due to a number of factors; most notably the recent global monetary crisis and politically conservative domestic pressure in the US and China. Coal is a major economic backbone for many countries and with stringent CO2 emissions reductions, economies would take a major hit in an already difficult recession.I believe the real work of coordinating international efforts to reduce CO2 emissions should rest directly upon on a small group of wealthy nations, primarily the United States and China, who combine for about half of annual global greenhouse gas emissions. These wealthy nations should be responsible for reducing 90% of global warming emissions. Is it not these industrialized nations who produce the chemicals that increasingly drive CO2 emissions higher and higher?One of the proposed methods to lower carbon dioxide emissions is through a cap and trade system currently being review by the Obama Administration. It is a method for managing pollution, specifically carbon dioxide emissions, with its primary goal of reducing the overall pollution in the United States. Many proponents of pollution control support the concept of cap and trade systems, arguing that they are extremely effective, and that they make sense economically. On the contrary, others say the cap and trade will do absolutely nothing; having the change to be corruptible and passing on the costs to the consumer.Under a cap and trade system, the government would first set an overall cap on the allowed amount of carbon emissions released by certain industries, and defining an overall total of how much carbon emissions will be allowed in the nation as a whole. Companies would therefore be issued carbon issues “credits” depending on their area of industry. These credits essentially act as licenses to pollute carbon into the atmosphere and are measures measured by the ton. By issuing licenses or permits, the government would set an enforceable limit (hence the term “camp”) on the company that is critical to meet emissions reductions guidelines. If a company’s carbon emissions are below their capped credit, they may sell the un-used credits to other companies for economic benefit.In the pure capitalistic society that we live in, with the free selling and trading of carbon permits, I believe the cap and trade system would always maximize the pollution to the highest enforceable limits allowed by the government for companies which cannot get their pollution under control, a cap and trade system penalizes them for their excess pollution, while still bringing overall pollution rates down to the cap set by the government. In a sense, the need to purchase credits acts as a fine, encouraging companies to reduce their emissions. The money made by the government from taxing carbon emissions will create a large and dependable revenue stream that can therefore be used to invest in alternative, green energy and climate mitigation.However, I think a major concern with the cap and trade system would is regulation and accountability of the companies, especially in underdeveloped or underserved nations. Strict government agencies must be established to monitor continuing emissions on a federal, regional, and statewide levels from all carbon-emitting companies to ensure that they are reporting their emissions accurately and truthfully, without fraud or noncompliance. Continuous monitoring would also help close the gap on the ultimate goal of reducing carbon emission to yield public health and environmental results. Databases with public access to emissions levels and allowance data should be setup up to provide access to complete, unrestricted data on trading, emissions, and compliance.In order for the cap and trade system to be effective, much planning into the implementation, maintenance, and progress of carbon emission mitigation would have to occur in the long run. This is simply not an overnight solution, but rather one that would take decades to formulate. Consistent implementation, review, and ratification of the enforced policy to meet the current environmental and financial market will have to be assessed. Remember, Rome wasn’t built in a day.ConclusionClimate change is one of humanity’s most pressing and difficult challenges. Without urgent and concerted action, climate change will seriously affect the way of life in all countries and threaten global security. Since climate change is a long-term problem, it cannot be addressed successfully through short-term, country-based actions alone. Resolving the climate crisis will require international cooperation at all levels—from bilateral to regional to global. Organizations such as IPCC that continue to promote their agendas through reporting scientific based findings are bringing awareness to the issue and planning for long-term change.There is no doubt that since 1990, the assessment reports released by the IPCC have profoundly impacted policies of climate change throughout all facets of government throughout the world in order avert the anticipated effects of global warming. In fact, the contributions of IPCC have been recognized as highly significant by the Nobel Prize Committee which named it as joint recipient (along with Al Gore) of the 2007 Nobel Peace Prize.References(1)Weart, Spencer (2011). ”International Cooperation: Democracy and Policy Advice”. The Discovery of Global Warming. American Institute of Physics. Accessed 30 May June 2014.(2)IPCC. Principles governing IPCC work”. Intergovernmental Panel on Climate Change. 28 April 2006. http://www.ipcc.ch/pdf/ipcc-principles/ipcc-principles.pdf. Accessed 30 May 2014.(3)IPCC. “Organization”. Intergovernmental Panel on Climate Change. 2010. http://www.ipcc.ch/organization/organization.shtml Accessed 30 May 2014.(4)Morita, T., et al., “Ch 2. Greenhouse Gas Emission Mitigation Scenarios and Implications”, 2.5.1.1 IPCC Emissions Scenarios and the SRES Process, in Working Group 3. Accessed 1 June 2014(5)Borger, Julian (16 October 2006). “Global Warming: How History Is Being Manipulated to Undermine Calls for Action”. History News Network. Accessed 30 May 2014.(6)IPCC (11 November 2012). Understanding the Climate System and its Recent Changes, in: Summary for Policymakers IPCC AR4 WG1 2013, p. 13 Accessed 2 June 2014 http://www.climate2013.org/images/uploads/WGI_AR5_SPM_brochure.pdf(7)IPCC (11 November 2013): Table SPM-2, in: Summary for Policymakers (finalized version), in: IPCC AR5 WG1 2013, p. 21 Accessed 2 June 2014 http://www.climate2013.org/images/uploads/WGI_AR5_SPM_brochure.pdf(8)Hansen, James; et al. (2012). “Earth's Energy Imbalance: Confirmation and Implications” Science 308 (5727): 1431–1435.

Thanks for A2A.26th Feb 2018, at 8:15 am- I left home for RBI Patna to attend interview for summer placement scheme. Boarded off the cab at Gandhi Maidan, Gate no 10.I could see the gathering of candidates dressed in suits. Interacted with others to get a feel for whom am I going to face to have a place herein. Candidates belonged to IIM Bodhgaya, CIMP, XISS Ranchi, BIT, BHU and Other institutes as well. Amidst high security, our bags were checked and we entered into the main building, Saw the RBI emblem at the top and the sense of pride rushed in. At the entrance, we were given visitor’s pass and food coupons. Then, we were directed to report in the conference room. We were 20 in total and I was on 16th to be interviewed. By then documents verification began. Every minute detail was being checked, be it GPA to percentage calculations and all academic certificates.The interview was on. I could see others surfing RBI websites, discussing about monetary policies, fiscal policies, current news scenarios and thus, they were busy in recollecting all stats. To some extent I was fearful but at the same time I made myself calm and composed and simply waited for my turn. Number 16 was a long wait. Finally at around 2:30 PM, I was called upon.The interview scene:-3 members in the panel- Regional director (RD)- Bihar-Jharkhand Zone- Shri N P Topno and 2 General Managers (GM) from their respective departments.Me: May I come in Sir?Panel member: Yes, Please.Me: Good afternoon sir.(Offered to seat)RD: So, you are Abhinav?Me: Yes sir.RD: From IIT Dhanbad?Me: Yes sir.RD: I don’t understand one thing. How this technology is going to help you in your MBA. You could have done M.Tech.Me: Sir, both are equally rewarding but it was my choice based on the background and kind of activities with which I was associated during my school as well as graduation days that helped me choose management. More of organizing ability, sense of co-operation, leadership traits and the calls for corporate attracted me and thus an MBA would be giving me a better edge in my career.RD: You are a power engineer. What sort of govt. steps are being taken to enhance alternative sources of energy and why?Me: Sir, The govt. is on achieving the target to install 175 GW capacity through renewable forms of energy by 2022. Sustainable approach towards environment and international tie ups with countries like France for International Solar Alliance and for technology enhancement with Germany, US, japan and Israel are on the way. Thus efforts are put in to harness technology for a better standard of living and a safe place to live in.M1: You are from IIT, why didn’t you go and attend summer placements at ONGC or IOCL?Me: Sir, I meant no offence but I have been through the testimonials of the candidates and on making a relative comparison I could find that an interview at RBI is one of its kind and not just for the sake of name of an internship. There have been students of IIMs, IFMR with whom I came in touch and got to know that an experience at RBI was quite enriching and at par.RD: At Par or better?Me: Better, sirM1: How would you be benefiting RBI through summer placement scheme?Me: Sir, I am looking after some problems to work upon & I would come up with solutions within the duration I would be provided with on the assigned project.M2: Okay, If we select you, what sort of projects will you carry for us to have some new insights?Me: Based on the area of my specialization, SirRD: Be more specific.Me: Based out of financial security depending on know-how of common mass, digital banking products and their effectiveness..M2: What is digital banking?Me: Online accessibility to the banks for making transaction, payments, policies, deposits, withdrawls, transfers, all can happen by sitting at home which are just a keypad away.M1: Have you heard of bottom of the pyramid?Me: Yes Sir.M1: Who coined this concept and what’s it all about?Me: Sir, it was given by Shri C.K. Prahlad and I would like to put an analogy with regard to the power law. As 20% causes are responsible for 80% of the effects, similarly the concept of bottom of pyramid is about the variables of population vs. wealth. As we move up the pyramid, the wealth keeps getting concentrated in fewer hands. It’s like 1% of the population have control over 50% of the global wealth. Thus there is a need to bring poors into the global economy that will help mitigate the global poverty.M1: Okay, tell us something about Maslow’s hierarchy.Me: Sir, it’s a 5-tier model for human needs. The needs at the lower strata must be satisfied before one can attend for the needs in the higher strata. From bottom to top, the hierarchy goes as: physiological, safety, love and belonging, esteem, and self-actualization.M1: Kotak Mahindra has launched a no. 811 what is its significance?Me: Sir, I have seen the advertisement but I am not able to recall for what it stands.RD: Okay, thank you, Abhinav.Me: Thank you Sir.Apart from it, certain questions did revolve around economic issues in the then moment and the functionalities of RBI.Verdict: Selected.Just the 15 mins. of my life but it was worth a shot because at 5:45 PM, dated 6th march 2018, a mail popped up for my selection.2nd April 2018, I reported at RBI Patna. Out of the total 125 candidates to be selected at national level, there were 5 of us amongst 20 candidates who appeared at the interview from Bihar-Jharkhand zone. But the ratio was quite inexplainable as out of the 5 candidates, I was the lone male candidate. Reported at HRMD, RBI but this time with confidence at another level. Could meet GM- Shri Manoj Ranjan sir, GM Shri Brij Raj Sir and AGM Shri Niraj Kumar Sir, under whom I was to be mentored for at least next 3 months.In the same conference hall, all of us gathered. And they said, ‘based on the interview rounds with us, we have decided to come up with this topic for you’ and I was given the topic:“Bottlenecks in MSME lending and suggest some solutions to overcome in state of Bihar”Others were assigned projects related to Shadow banking & leveraging data analytics in the field of banking sector..Further, on the joining day, we were shown several departments- Banking dept, Issue dept, FIDD, DEPR, FED and thus we were awestruck by the magnificent roles it performs. Later we could interact with several RBI officers and assistants who all were equally helpful, cooperative and down to earth though they were a part of such an apex organisation.Now, all 5 of us were the flag bearers of our respective departments. Though we made a safe entry but the real fight was now for we were strictly told by our mentors to put-in our best efforts as each one of us were responsible and accountable for the name and fame of our department which will be tested on the D-day i.e. The Presentation Day.Back to work:“A place of my own, A computer of my own, Lemonade/Coffee/Tea comes on their own.”The project began by gathering background information, present condition and significance of micro, small and medium enterprises and basic study of the sector which was followed by deciding the research question, whether banks accessibility is depending on the lending processes they adopt. The questionnaire to obtain information from SMEs had 3 parts- 1st demographic, 2nd banks’ operational issues and 3rd was on the criteria possessed by enterprises for lending process of banks. Data was also collected through personal meet-ups using a structured questionnaire. I went through concerns of all stakeholders including entrepreneurs, financial institutions, associations and government organizations for I wished my study to offer an insight based on primary as well as secondary research collected from several reports, RBI circulars, annual reports MSMEs & NAMCABS files. The survey was conducted mainly with the help of several enterprises, few start-ups, few associations like Bihar Industrial associations (BIA), Bihar Entrepreneurs association (BEA), Bihar Entrepreneurs network (BEN) and based on observations at the town hall meeting held at Siwan by RBI, wherein there was a rendezvous of entrepreneurs as well as banks’ officials to solve every concern and problems of common masses.The D-day: The Presentation DayBefore starting the presentation, I could feel the warmth of blood running in my veins for I was not being afraid but I was very much connected to myself. A deep long breath and a belief in self gave me a memory of lifetime.Just half an hour before my final show, I was busy practicing…It was a one-man show, conference hall was occupied with RD, GMs, AGMs, Officers, Staffs for an announcement was already made in the whole organisation and they had been notified through mails early morning. So, it was all about 33 Slides and 1 hour 15 minutes long presentation (a record in itself) followed by the Q&A session.After the show:RD: Presentation was good but you could have made it more practical with better solutions..GM: Stay in touch with us.AGM said to others: He’s a brilliant chap. I have seen him investing his time and efforts.Few lady officers: You speak so fluently, confidence level was awesome.Others said: Kaam dikh raha tha iska..Few others: Rarely did you look at the presentation board, all the stats were there at your fingertips. Pasand aaye nature of job toh aa jao yahan humesha k liye.Some said: Tumne toh bottle aur neck mila kar acha bottlenecks sunaya…Others bid good luck and wished for future endeavours.I could see the warmth of love in their eyes for I have already become a part of RBI family and this D-day was the day of my dispersal for my role was over but I did leave a mark for I have been the flag bearer of FIDD department. Though there was none to pass the baton in this relay race but it was the belief the team had in me who backed me up every now and then to sail through.The Team- after my presentation was over: The Smile said it all…Definitely I miss them, the people around, sort of friends I made, story-telling with the staffs, sharing moments, dancing in my own rhythm be it to the several depts. especially DEPR or to the canteen and the kind of assignments for that was a chance to serve the human kind to a larger extent in which I was engaged and what not!!!The Dispersal:So, Yeah! Things will be Missed...We keep learning...Reminiscences are what stay with us..woh kehtey hain na ki:“kuch na kuch toh chootega hi, jahan hain wahi ka maja letey rahey”