Earnest Research · Data Scientist
Updated · 2026-09-24

Earnest Research Data Scientist
Interview Questions & Guide 2026

THE 60-SECOND BRIEF

The role of a Data Scientist at Earnest Research is pivotal in shaping the company's approach to data analysis and decision-making. As a Data Scientist, you will leverage your skills in statistical modeling, machine learning, and data visualization to provide actionable insights that drive the development of innovative products and services. Your work directly influences how the organization interprets market trends and consumer behavior, ultimately affecting strategic business decisions and product offerings.

Product-sense cases reward reasoning from a mechanism to a testable prediction. Reciting every metric you can name reads as pattern matching; naming the single quantity that would move if your explanation were true reads as thinking.

Earnest Research candidates report 4 rounds · ≈ 3-5 weeks. The stages below are what candidates describe, not a published process.

Separate authorization, settlement and dispute outcomes cleanlyRead vintage curves, not blended portfolio averagesSet fraud thresholds by expected cost

31 min read

Browse Data Scientist questions

See the practice prompts

15Practice promptsAcross five skill areas
3With worked solutionsIncluded in the practice prompts

The role of a Data Scientist at Earnest Research is pivotal in shaping the company's approach to data analysis and decision-making. As a Data Scientist, you will leverage your skills in statistical modeling, machine learning, and data visualization to provide actionable insights that drive the development of innovative products and services. Your work directly influences how the organization interprets market trends and consumer behavior, ultimately affecting strategic business decisions and product offerings.

In this role, you will collaborate with cross-functional teams including product management, engineering, and marketing to solve complex problems and deliver solutions that enhance user experiences. You will be responsible for analyzing large datasets, creating predictive models, and presenting your findings to stakeholders. The complexity and scale of the data you will work with make this position not only challenging but also highly rewarding, as you contribute to the growth and success of Earnest Research.

01

Initial Screening

reported

A screening call is a matching exercise run by someone who will not evaluate your statistics. They are checking that the work described on your resume is work you personally did, and that its scope matches the level the role is written for. Logistics get settled in the same half hour so nobody spends an interviewer's afternoon on a mismatch. The answer that fails is the one narrated in the plural. If every sentence is 'we built' and 'the team decided', there is nothing specific to write down about you. Name the piece that was yours, the decision you made inside it, and what changed after.

What to demonstrate

  • Whether the ownership implied by your resume survives one round of follow-up about who actually did which part
  • Whether your described scope (data size, stakeholders, what shipped) matches the seniority the role is written at
  • Whether timeline, location and compensation expectations make the rest of the loop worth scheduling

How to prepare

  • Rewrite your top three resume bullets in the first person singular, each with the decision you made and what moved afterwards, then say them out loud once so the 'we' does not return under pressure
  • Attach one number to each project: the baseline, the change, and the window it was measured over. Where impact was never measured, say that plainly rather than inventing a figure
  • Settle your compensation range before the call and give it as a range with a reason behind it, such as current total comp or a competing timeline, instead of deflecting the question twice
PracHub interview research ↗
02

Technical Assessment

reported

Much of what gets scored here happens out loud while you type. Nobody can see your reasoning inside a half-written query, so five silent minutes read as being stuck even when they are not. State the plan in plain language first: which tables, what grain you are aggregating to, and the one filter that defines the population. Then write it. The narration doubles as insurance, because a wrong plan gets caught early and cheaply while a wrong query gets caught at the end with no time left to redo it. A timed statistics section, where one exists, is a separate test with its own clock.

What to demonstrate

  • Whether the query you write matches the plan you just described
  • What you do with a hint, meaning whether the correction gets absorbed or the first approach gets defended
  • Whether you can debug your own wrong output by reading the result set and naming which part of the query produced the anomaly

How to prepare

  • Solve three problems while screen-sharing into a recording, then watch it back and mark every stretch longer than thirty seconds where you said nothing
  • Practise compressing the plan into one sentence before typing, then check afterwards whether the finished query actually matched it
  • Time yourself on statistics questions that carry a business reading, such as what a confidence interval does and does not claim, rather than re-reading notes without a clock
PracHub interview research ↗
03

Senior Team Interviews

reported

Rounds outside the standard loop often open with something deliberately under-specified: a loose business problem, an open question about a product area, a dataset described in one sentence. The common failure is surveying, listing six plausible approaches and committing to none of them. The thing that separates a strong answer is scoping out loud. State what you are treating as the goal, name the metric you would move, say what you are choosing not to do and why, then take one path through to an actual answer. An interviewer can follow you down a narrow path. Nobody can grade a menu.

What to demonstrate

  • Whether you turn an ambiguous prompt into a stated question with a measurable outcome before doing any work
  • The judgement visible in what you cut, and whether you say why you cut it rather than silently dropping it
  • Whether you land on a concrete recommendation with its caveat attached, rather than an unranked set of options

How to prepare

  • Take three vague prompts, such as 'is this feature working', 'why did retention drop', and 'should we expand into a new segment'. For each, write one sentence of goal, one primary metric with its window, and two things you are explicitly not doing.
  • Practise giving the recommendation first and the reasoning second, in five minutes. Loosely defined rounds are usually time-boxed, and an answer that arrives last often does not arrive.
  • Keep a running assumption list as you talk, on paper or in the shared doc, so the interviewer can challenge one assumption instead of your whole answer.
PracHub interview research ↗
04

Executive Discussions

reported

Because the format is not fixed, prepare the reasoning rather than the ritual. Nearly every version of this round draws on the same underlying material: a design you can defend, a metric you can define exactly, an analysis whose assumptions you can state out loud. Only the wrapper changes, whether that is a take-home, a live case, a deep dive on past work, or a rough estimate on a whiteboard. Answers rehearsed to fit one shape stall the moment the shape differs. Practise naming the assumption behind a number, then saying how much the conclusion moves if that assumption is wrong.

What to demonstrate

  • Whether your justification for a method survives the question 'why not the simpler thing', including when the simpler thing would have worked
  • Precision under pressure: what exactly counts as an active user, a conversion or a success, over what window, with what exclusions
  • Whether you carry an argument through to a recommendation instead of stopping at a list of tradeoffs

How to prepare

  • For each project you plan to mention, write the metric definition in one sentence: numerator, denominator, time window, exclusions. Say it out loud once, because vagueness shows up in speech before it shows up on paper.
  • Rehearse the same project at three lengths: two minutes, ten minutes, and a deep dive on one technical decision. Cutting live is harder than it sounds.
  • For your headline result, write down what would have had to be true for it to be wrong, and how you ruled that out.
PracHub interview research ↗

PracHub editorial advice for the preparation topics above.

01

Averaging delinquency across a book that is growing

A loan three months old cannot be 90 days past due, so a portfolio with many recent originations reports a low blended 90+ rate purely from age mix. The blended rate falls fastest exactly when originations grow fastest, which is precisely when credit quality most needs watching, so the metric moves in the reassuring direction during the riskiest period. Only comparisons at equal months on book are valid, which is what a vintage or roll-rate view enforces.

02

Reading the most recent months of fraud and dispute rates as final

Consumer dispute rights commonly run around 120 days from the transaction or expected delivery date, and several reason codes run considerably longer, so the disputes belonging to a recent transaction month have simply not been filed yet. Any chart attributed by transaction date therefore slopes down at the right edge regardless of what is happening. The fix is to report only matured cohorts, or to apply development factors estimated from completed months and to show the estimate as an estimate.

03

Reporting a mean for a heavy-tailed metric without saying what it hides

For spend, session length or items per order, a small fraction of units carries most of the total, so the mean has a wide standard error and one account can move it. Fix the handling before you see the result: cap or winsorise at a pre-declared percentile, and report the median or the share above a threshold next to the mean. Capping changes the estimand, so say which question the capped number answers, and check how much of any difference comes from the top 0.1 percent of units.

04

Reading experiment results before checking the arm split

Compare observed arm counts against the intended allocation ratio, not an assumed even split, and set the alarm far below the conventional 0.05: at 0.05 roughly one healthy experiment in twenty trips it, which is why sample-ratio checks usually run at p < 0.001 or stricter. The test's power scales with sample size, so it misses a real diversion on a small experiment and fires on an imbalance too small to move the estimate on a very large one. A flag means go find the assignment or logging fault before reading any outcome, not report a mismatch.

Choose a category, try a prompt, then open its approach, worked solution or follow-up when you need it.

12 technical prompts3 include a worked solution

Describe a machine learning algorithm you have implemented and the res…

medium
machine learning and modelling

Describe a machine learning algorithm you have implemented and the results you achieved.

Approach
  1. Check what information would not exist at prediction time, and exclude it.
  2. Set a baseline first, so any model has something honest to beat.
  3. Frame the prediction: the label, the moment of prediction, and the action it triggers.
Follow-up
  • How would you choose the decision threshold, and who owns that choice?
  • Where could label leakage enter this setup?

What metrics do you use to evaluate the performance of a model?

medium
machine learning and modelling

What metrics do you use to evaluate the performance of a model?

Approach
  1. Frame the prediction: the label, the moment of prediction, and the action it triggers.
  2. Check what information would not exist at prediction time, and exclude it.
  3. Say how the offline result would be validated online before it is trusted.
Follow-up
  • What would you monitor after launch to know the model is still valid?
  • Where could label leakage enter this setup?

Given a dataset, how would you approach building a predictive model?

medium
machine learning and modelling

Given a dataset, how would you approach building a predictive model?

Approach
  1. Pick an evaluation metric that matches the cost of each error type, not a default.
  2. Frame the prediction: the label, the moment of prediction, and the action it triggers.
  3. Set a baseline first, so any model has something honest to beat.
Follow-up
  • Where could label leakage enter this setup?
  • What would you monitor after launch to know the model is still valid?

Implement accident-quarter loss ratio at twelve months development

mediumWorked solution
loss ratiodevelopment ageearned premium

fct_policy_period_monthly arrives as a stack of month-end snapshots: each row carries valuation_month alongside as_of_month, policy_id, product_line, written_premium_minor, earned_premium_minor, paid_loss_minor, case_reserve_minor, ibnr_reserve_minor and loss_adjustment_expense_minor. Compute the accident-quarter loss ratio at exactly 12 months of development: incurred losses over earned premium, both taken from rows whose as_of_month falls in the accident quarter, read from the snapshot 12 months after that quarter closes. Report quarters that cannot reach that age as incomplete rather than dropping them.

Approach
  1. Derive accident_quarter from as_of_month, then define the evaluation snapshot per quarter as valuation_month equal to the quarter's final month plus twelve months. Every figure in the ratio comes from that one snapshot, not from whichever snapshot happens to be newest.
  2. Numerator is paid_loss_minor plus case_reserve_minor plus ibnr_reserve_minor over the accident quarter's rows in that snapshot. Loss adjustment expense may be included or not, but the choice applies to every quarter and is named in an output column.
  3. Denominator is earned_premium_minor over the same rows. Written premium is booked in full at inception, so in a growing book it runs ahead of earned premium and drags the ratio down, with the error reversing when the book shrinks.
  4. Left-join the full quarter list against available valuation months so a quarter with no 12-month snapshot yields status incomplete and a null ratio, instead of disappearing and shortening the series without saying so.
  5. Split by product_line, since both the loss ratio level and the speed of development differ by line, and a blended series moves with mix as much as with experience.
Worked solution 30 min
  1. Add accident_quarter and a target_valuation column equal to the quarter end plus twelve months.
  2. Filter rows to those where valuation_month equals the row's target_valuation, then assert each accident_quarter has exactly one distinct valuation_month left.
  3. Aggregate incurred and earned premium by accident_quarter and product_line and take the ratio.
  4. Reindex against the full list of accident quarters and product lines, marking rows with no matching snapshot as incomplete with a null ratio.
  5. Recompute one quarter by hand on a five-policy subset and confirm it matches.
EXPECTED RESULTOne row per accident_quarter and product_line with incurred, earned_premium, loss_ratio, an lae_included flag and status in complete or incomplete. Complete quarters end twelve months before the latest valuation_month, so the four or five most recent quarters carry null ratios.
Follow-up
  • The most recent complete quarter came in four points better than the one before. What do you check before calling it an improvement?
  • How would you estimate the 12-month figure for a quarter that is only 6 months developed, and how would you label the estimate?
  • Why can an expense ratio legitimately use a different denominator from the loss ratio in the same presentation?

Instead of guessing where the week should go, day one measures it under a fixed rubric and allocates the remaining hours in proportion to the gaps. The method is deliberately rigid: the allocation is written down before any studying starts and is not renegotiated when a topic turns out to be unpleasant.

Small steps. Visible outcomes.0 / 7 completed
ONE WEEK · YOUR PACE

Prepare, practise & reflect

One practical outcome each day. Spend longer where you need it.

0 / 7 done
01Diagnostic, scored before you study anything
  • Sit a 100-minute timed diagnostic in four blocks: 30 minutes of SQL across three prompts, 25 minutes of short-answer statistics, 25 minutes on one modelling or case prompt, and 20 minutes delivering one behavioural story aloud.
  • Score each block from 0 to 3 on a fixed rubric where 3 is correct and fluent, 2 is correct but slow or prompted, 1 is partially correct, and 0 is stuck, grading the output rather than how the attempt felt.
  • Allocate the hours for days two to five roughly in proportion to 3 minus the score in each block, write the allocation down, and commit to not revising it midweek.

Deliverable: A scored rubric and a fixed hour allocation for the rest of the week.

Practice prompt ↗Practice prompt ↗Practice prompt ↗Worked solution ↗
02Largest gap: find the boundary rather than the subject
  • Break the weakest area into five named sub-skills (for query work: grain control, window frames, date arithmetic, set logic with NULLs, and reading a query plan) and rate each one, so the rest of the week targets a sub-skill instead of a subject.
  • Solve three problems chosen to sit just above where the rating drops off, and for each write the first move you failed to make.
  • Re-solve one of them from memory four hours later, on paper, with nothing open.

Deliverable: A five-item sub-skill map with the two blocking sub-skills circled.

Practice prompt ↗Practice prompt ↗
03Largest gap: drill the blocking sub-skill
  • Do eight short repetitions of the same shape rather than eight different problems, so what you practise is the pattern and not the puzzle.
  • Write the rule you now hold in one sentence, then test it against a case built to break it: a ranking function over a column with ties, or a two-sample test on observations that are obviously dependent.
  • Have someone else read your one-sentence rule and find the precondition you left out.

Deliverable: One rule statement with its preconditions attached and one counterexample that would have caught the incomplete version.

Practice prompt ↗Practice prompt ↗
04Second gap, plus maintenance on your strongest area
  • Run the same sub-skill map and boundary protocol on the second-largest gap, compressed into half the day.
  • Spend 25 timed minutes on your strongest area to stop it decaying, choosing the hardest problem you can still finish rather than an easy warm-up.
  • Compare how the two areas fail: whether you lose time on recall, on setup, or on arithmetic, because the fix differs for each.

Deliverable: A second sub-skill map plus a one-line diagnosis of how each area fails you.

Practice prompt ↗Practice prompt ↗Worked solution ↗
05The gap that is not a skill
  • Record yourself answering one technical and one behavioural prompt, then count two things in the playback: how many seconds before your first clarifying question, and how many sentences you started without knowing where they ended.
  • Rewrite your three most-used stock phrases into shorter versions, and practise saying "I do not know, here is how I would find out" without softening it into a guess.
  • Deliver one answer again with a hard 90-second limit to force structure before detail.

Deliverable: Two recordings with a counted improvement in time-to-first-question.

Practice prompt ↗Practice prompt ↗
06Retest under day-one conditions
  • Sit the same 100-minute diagnostic structure with new prompts of comparable difficulty and score it on the identical rubric.
  • Compare block by block, and for any block that did not move, change the method rather than adding hours: a block stuck at 1 usually means the practice was too varied, not too short.
  • Write which single block you would still lose the offer on.

Deliverable: A second scored rubric placed next to the first, with one named remaining risk.

Practice prompt ↗Practice prompt ↗
07Full loop under interview conditions
  • Run a 60-minute mock covering the two blocks that moved least, with an interviewer instructed to interrupt and change direction.
  • Write your recovery script for the moment you go blank: restate the question, state your assumption, name the first thing you would check.
  • Reduce the week to the rule statements you wrote, each with its preconditions attached, then say every one of them out loud without reading it and cut any you cannot state in a single sentence, since a rule you have to reconstruct mid-answer will not survive being interrupted.

Deliverable: A one-page card holding the recovery script and only the rules you could state from memory.

Practice prompt ↗Practice prompt ↗Worked solution ↗

Expand any day for tasks and deliverables. Your progress is saved on this device.

Nearly every data role forces a trade between the analysis you want and the one that fits the decision window. Prepare a case where you deliberately shipped something less rigorous, named the weakness to the person relying on it, and said what would change your answer. The naming is the part interviewers listen for.

What does a successful team culture look like to you?

medium
behavioural and stakeholder questions

What does a successful team culture look like to you?

Approach
  1. Pick a story where you drove the decision, not one where you observed it.
  2. Name the disagreement or constraint, and how you resolved it with evidence.
  3. Close with what you would do differently, concretely.
Follow-up
  • What would you do differently if you ran that project again?
  • How did you know the outcome was caused by your change?

How would you prioritize competing data requests from different stakeh…

medium
behavioural and stakeholder questions

How would you prioritize competing data requests from different stakeholders?

Approach
  1. Pick a story where you drove the decision, not one where you observed it.
  2. Name the disagreement or constraint, and how you resolved it with evidence.
  3. Quantify the outcome, including what you would not claim credit for.
Follow-up
  • What did you decide not to do, and why?
  • What would you do differently if you ran that project again?

Explain an incomplete dispute chart to a non-technical executive

easy
dispute maturitystakeholder communicationright-censoring

A finance lead is looking at first-chargeback rate by transaction month, built from fct_card_dispute joined to fct_payment_authorization on auth_id and attributed to requested_at. The last three months slope sharply down and the lead wants to announce a fraud improvement at tomorrow's review. Consumer dispute rights commonly run around 120 days from the transaction or expected delivery date, so those months are not complete. In five minutes, with no statistics vocabulary, explain why the decline is not yet evidence and say exactly what you would put on the slide instead.

Approach
  1. Lead with the mechanism in the listener's own terms, not with the statistical name for it: a dispute is attributed to the month the transaction happened, but it can be filed up to roughly 120 days later, so recent months contain only the disputes filed so far.
  2. Show completeness rather than arguing about the rate: for each transaction month, plot the share of its eventual disputes already filed, estimated from months that are fully matured. The last three months will sit visibly below 100 percent.
  3. Replace the chart with two artefacts: a matured series that stops 120 days back and is labelled final, and a development-factor estimate for the immature months drawn as a dashed range and labelled an estimate.
  4. Hand over one sentence the executive can repeat without you in the room: the recent months look better because the disputes have not arrived yet, not because fewer will arrive.
  5. Offer a weekly signal they can watch instead, such as the risk-score mix of approved volume or the decline-rule hit rate, and state up front what it does and does not predict.
Follow-up
  • The deck ships tomorrow regardless. What exactly goes on the slide, and what wording do you insist on?
  • How would you estimate the development factors, and how would you notice if they had shifted?
  • 01

    What does a successful team culture look like to you?

  • 02

    How would you prioritize competing data requests from different stakeholders?

  • 03

    A finance lead is looking at first-chargeback rate by transaction month, built from fct_card_dispute joined to fct_payment_authorization on auth_id and attributed to requested_at. The last three months slope sharply down and the lead wants to announce a fraud improvement at tomorrow's review. Consumer dispute rights commonly run around 120 days from the transaction or expected delivery date, so those months are not complete. In five minutes, with no statistics vocabulary, explain why the decline is not yet evidence and say exactly what you would put on the slide instead.

PracHub interview preparation framework ↗
Is this an official Earnest Research interview guide?

No. It is PracHub's own research and practice material for the Data Scientist role at Earnest Research. Rounds and questions reflect what candidates have reported, not a process Earnest Research has published, and they change over time. Confirm the current format and scope with your recruiter.

PracHub interview research ↗
How difficult is the interview process for Data Scientist at Earnest Research?

The interview process is considered rigorous, focusing on both technical expertise and cultural fit. Candidates should be prepared for a mix of technical assessments and behavioral interviews.

PracHub interview research ↗
What differentiates successful candidates?

Successful candidates demonstrate a strong blend of technical skills, problem-solving ability, and effective communication. They show a clear passion for data science and a deep understanding of how to leverage data for business impact.

PracHub interview research ↗
What is the culture like at Earnest Research?

The culture at Earnest Research emphasizes collaboration, innovation, and continuous improvement. Teams work closely together, valuing diverse perspectives and fostering an inclusive environment.

PracHub interview research ↗
How long does the interview process typically take?

The timeline from initial interview to offer can vary, but candidates can expect to hear back about their status within 1-2 weeks following their final interview.

PracHub interview research ↗
Sources & methodology 3 sources ↗

No official company page is cited. Rounds and questions come from candidate reports and PracHub editorial material; each source shows the date it was read.