Bread Financial Data Scientist
Interview Questions & Guide 2026

• Create a local Postgres or SQLite database with four tables (users, sessions, events, orders) holding roughly 200 rows you generated yourself, so you know the contents well enough to predict every result.
• Deliberately seed the cases that break queries: a user with no sessions, a session with no events, two orders sharing a timestamp, a NULL in one join key, and one duplicated user row.
• Before writing any SQL, hand-compute five answers on paper (how many users placed at least one order, median orders per ordering user, and three others) and save them as the ground truth for the week.

Deliverable: A one-command seed script plus a text file of five hand-computed answers to grade every later query against.

• Answer "which users have no orders" three ways (LEFT JOIN with IS NULL, NOT EXISTS, NOT IN) and confirm that the NOT IN version returns zero rows once the subquery contains a NULL, because the comparison is never TRUE.
• Reproduce the LEFT JOIN that silently collapses to an inner join by putting a right-table predicate in WHERE, then fix it by moving the predicate into the ON clause, and record both row counts.
• Create a fan-out bug on purpose by joining orders to order_items and summing the order total, then correct it with a pre-aggregated subquery and explain in one line which table changed the grain.

Deliverable: One annotated .sql file holding the three join traps, each with the wrong result and the corrected result side by side.

• Write three window queries against the fixture: a running order total per user, the rank of each order within its user by value, and the day gap to that user's previous order, then check each against the day-one ground truth.
• Run ROW_NUMBER, RANK and DENSE_RANK over a column containing ties, print all three side by side, and write one sentence on when each is the correct choice.
• Switch one query from the default frame (RANGE BETWEEN UNBOUNDED PRECEDING AND CURRENT ROW, which is what you get when ORDER BY is present and no frame is written) to ROWS BETWEEN UNBOUNDED PRECEDING AND CURRENT ROW, and explain why the output differs only when the ORDER BY column has duplicates.

Deliverable: Three verified window queries plus a short note explaining the RANGE versus ROWS difference in your own words.

• Write a monthly retention grid: first order month per user, then months-since-first as the column, and verify that month zero equals the cohort size exactly.
• Sessionize the events table under a 30-minute inactivity rule using LAG plus a cumulative sum over a new-session flag.
• Build a four-step funnel that counts distinct users rather than events at each step, and state the rule you applied to a user who reaches step three without ever logging step two.

Deliverable: One file with the retention, sessionization and funnel patterns, each carrying a one-line note on the assumption it bakes in.

• Set a 12-minute timer and solve three medium prompts in a plain editor with no execution and no autocomplete, then run them and tally syntax errors separately from logic errors.
• Narrate one solution aloud while writing it, stating the grain of each intermediate result (one row per user, one row per user-day) before you type its body.
• Rewrite your slowest solution as a CTE chain where every CTE name states its grain, and time yourself re-solving it from blank.

Deliverable: A recording of one narrated solution plus an error tally that separates syntax from logic.

• Write the preconditions of the two-sample t-test from memory, then check them: independent observations, and a difference in means whose sampling distribution is approximately normal, which at large sample sizes follows from the central limit theorem rather than from normality of the raw values.
• Write the difference between an odds ratio from logistic regression and a relative risk, and state the condition under which the two are close (low outcome prevalence).
• Prepare a 90-second answer to "how would you know this model is any good" that names the metric, the baseline you would beat, and the cost of the errors you care about.

Deliverable: One page of notes covering test preconditions, the odds-ratio caveat and the model-quality answer.

• Run a 45-minute mock with someone willing to interrupt: 20 minutes of SQL, 15 minutes defining a metric, 10 minutes on a past project.
• Re-solve from blank the two queries you were slowest on this week and compare the times against day five.
• Write a five-line answer to "walk me through a project" that puts a number in the first sentence and names the decision the work changed.

Deliverable: Mock feedback notes plus a timed project narrative you can deliver without reading it.