Mercury · Software Engineer
Updated · 2026-10-02

Mercury Software Engineer
Interview Guide

THE 60-SECOND BRIEF

At Mercury, a Software Engineer builds financial technology and banking infrastructure designed to serve modern startups and growing enterprises. Rather than relying on legacy banking systems that move slowly and lack transparency, Mercury builds product-focused, highly available, and operationally trustworthy financial software. Software engineers sit at the core of this effort, whether they are working on account opening platforms, payment integrations, real-time risk decisioning, or customer-facing dashboard features. Engineers at Mercury take end-to-end ownership of their features. The engineering culture heavily emphasizes craft, usability, and pragmatic system design. You will work on teams like Banking Integration Platform, Risk & Fraud Systems, Everyday Experiences, or Mercury Command, using tools like Haskell, TypeScript, React, and Redux.

This guide is scoped to a Software Engineer candidate at Mercury.

Mercury candidates report 3 rounds over 3-5 weeks. The stages below are what candidates describe, not a published process.

SQL (schema review / PR review)Database schema designTypeScript (code review & runtime understanding)

26 min read

Browse Software Engineer questions

See the practice prompts

11Practice promptsAcross five skill areas

At Mercury, a Software Engineer builds financial technology and banking infrastructure designed to serve modern startups and growing enterprises. Rather than relying on legacy banking systems that move slowly and lack transparency, Mercury builds product-focused, highly available, and operationally trustworthy financial software. Software engineers sit at the core of this effort, whether they are working on account opening platforms, payment integrations, real-time risk decisioning, or customer-facing dashboard features. Engineers at Mercury take end-to-end ownership of their features. The engineering culture heavily emphasizes craft, usability, and pragmatic system design. You will work on teams like Banking Integration Platform, Risk & Fraud Systems, Everyday Experiences, or Mercury Command, using tools like Haskell, TypeScript, React, and Redux. Because handles monetary transactions and critical core banking logic, code quality, data integrity, and strict architectural clarity are paramount. Mercury The work combines product sense with infrastructure engineering. You will collaborate closely with designers, product managers, and fellow engineers in an autonomous environment where small teams ship impactful software at a steady pace.

01

Screening Conversation

reported

Initial discussion to align on technical background and mutual expectations.

What to demonstrate

  • Initial discussion to align on technical background and mutual expectations
  • Depth in SQL (schema review / PR review)

How to prepare

  • Work SQL (schema review / PR review) until you can explain it without notes
  • Work Database schema design until you can explain it without notes
Mercury Software Engineer candidate reports ↗
02

Technical Rounds

reported

Assessment of real-world software engineering capabilities through schema code reviews and practical assignments.

What to demonstrate

  • Assessment of real-world software engineering capabilities through schema code reviews and practical assignments
  • Depth in SQL (schema review / PR review)

How to prepare

  • Work SQL (schema review / PR review) until you can explain it without notes
  • Work Database schema design until you can explain it without notes
Mercury Software Engineer candidate reports ↗
03

Cross-Functional Interviews

reported

Interviews with product and team members to discuss collaboration and fit.

What to demonstrate

  • Interviews with product and team members to discuss collaboration and fit
  • Depth in SQL (schema review / PR review)

How to prepare

  • Work SQL (schema review / PR review) until you can explain it without notes
  • Work Database schema design until you can explain it without notes
Mercury Software Engineer candidate reports ↗

PracHub editorial advice for the preparation topics above.

01

Approach Schema Reviews like real PRs

Treat the database schema round as an actual team discussion. Ask questions about query patterns, data volume, and domain constraints rather than treating it like a quiz.

02

Prioritize Code Structure over Speed

In the practical coding exercise, write clean, modular, and readable code. Interviewers care about software organization, proper type boundaries, and defensive logic over raw completion speed.

03

Do not overlook edge cases during the practical coding exercise

Malformed records, missing values, and incorrect dynamic data types should be handled explicitly.

04

Show Business and Product Awareness

Be ready to discuss the business purpose behind technical choices. Explain how your engineering implementations serve end users and lower risk for banking products.

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

8 technical prompts0 include a worked solution

Archive a resource graph without breaking live references or recursing

medium
graph traversaltopological ordertenant isolation

Resources reference other resources within a tenant; for the largest tenant the reference table holds up to 2,000,000 nodes and 8,000,000 edges. Archiving a resource must archive everything reachable from it that nothing outside the set still references, refuse when a live external referrer exists, and terminate when references form cycles, which they legitimately do. Produce the archive order and the refusal list, targeting O(V+E). Say what stops the traversal crossing a tenant boundary, and why recursion is the wrong control structure at this size.

Approach
  1. Load the subgraph with the tenant predicate on both endpoints of the edge, not only on the side you started from. Scoping the left table alone is the classic cross-tenant leak: one mis-entered edge then pulls another tenant's resources into the traversal and, worse, into the archive.
  2. Traverse iteratively with an explicit stack. A 2,000,000-node graph can hold a chain deep enough to exhaust a native stack in the low tens of thousands of frames, and that failure is a process crash rather than an error you can return.
  3. Treat cycles as data rather than corruption: compute strongly connected components with Tarjan in O(V+E) using its own explicit stack, then condense. The condensation is a DAG, so a topological order over it gives the archive order, and every member of a component archives in one transaction because no order within a cycle is valid.
  4. Decide refusals with reverse edges. A candidate is archivable only if every in-edge originates inside the candidate set, so build the transpose or count in-degrees restricted to the visited set, and emit each blocked resource with the id of the external referrer, which is the only part of the answer an operator can act on.
Follow-up
  • The graph is read in one query and the archive writes a minute later. What can change in between, and how do you make the write safe?
  • The candidate set is 400,000 resources. Is that one transaction, and if not, what does a half-finished archive look like to a reader?

Collapse a redelivered event batch into per-aggregate high-water marks

easy
hashingat-least-onceaggregation

You drain a batch of up to 5,000,000 events, each (aggregate_id BIGINT, aggregate_version INT, event_type, payload). The log guarantees order within one aggregate only; the batch merges 64 partitions, and a relay failover has redelivered a range, so an older version for an aggregate can appear after a newer one. Given a map of last_applied_version per aggregate, produce the events worth applying, at most one per (aggregate_id, version), plus the count discarded. Target O(n) time. State the memory for 2,000,000 distinct aggregates and what you do when it does not fit.

Approach
  1. One pass, one hash map from aggregate_id to the highest version kept, and a discard counter. An event whose version is at or below last_applied_version for its aggregate is dropped without further work, which is the whole reason the event carries its version rather than a delta. O(n) expected time, O(d) space in distinct aggregates.
  2. Keep the maximum, never the last occurrence. The redelivered range means the final appearance of an aggregate in the batch can be an older version than one seen earlier in the same batch, so last-wins applies stale state over newer state and the projection regresses with no error anywhere.
  3. Cost the memory instead of calling it large: an 8-byte key plus a 4-byte version is 12 bytes of payload, and an open-addressed table held at a 0.7 load factor costs roughly 17 bytes per entry before per-slot metadata, so 2,000,000 aggregates is tens of megabytes in a native layout and several times that in a runtime that boxes both key and value.
  4. If the distinct set exceeds memory, partition on hash(aggregate_id) mod P and reduce each partition independently. Every event for one aggregate hashes to the same partition, so the per-partition result is exact and the merge is concatenation rather than a second reduction.
Follow-up
  • The payload is a patch rather than a snapshot, so applying only the highest version loses the intermediate changes. What changes in your reduction?
  • How do you detect that version 7 arrived while version 6 was never delivered, and what should the consumer do about the gap?

Canonicalise a request body into a stable idempotency fingerprint

medium
parsingcanonicalisationhashing

idempotency_key.request_fingerprint is a SHA-256 over the method, path and canonicalised body, and a retry whose fingerprint differs must be rejected with 422 rather than served the stored response. Write the canonicaliser. Bodies are JSON up to 256 KB nested at most 32 levels; clients vary key order, whitespace and unicode escaping, and some send 64-bit ids as JSON numbers. Produce a deterministic byte string such that semantically identical bodies match and any semantic difference does not. State your complexity and name two normalisations you refuse to perform.

Approach
  1. Parse once into a tree, then re-serialise under fixed rules: object keys sorted, array order preserved, one escaping convention, no insignificant whitespace. Parsing is O(n) and sorting keys is O(k log k) per object, so O(n log n) overall with O(depth) stack, and the 32-level cap is enforced during parsing because hostile nesting is how a canonicaliser becomes a stack overflow.
  2. Sort keys by their UTF-8 bytes and say why the obvious implementation is wrong in some runtimes: a default string comparison that orders by UTF-16 code units places surrogate pairs, meaning code points from U+10000 up, below U+E000 to U+FFFF, which is not UTF-8 byte order, so two services written in different languages disagree on the same document.
  3. Do not re-encode numbers through a double. IEEE-754 binary64 represents integers exactly only up to 2^53, so normalising a 19-digit id through a float changes it, and 1 against 1.0 cannot be reconciled without deciding whether they are the same value. Preserve the literal token, and require ids as strings at the API boundary if you want them comparable.
  4. Reject duplicate keys rather than picking one. JSON permits them and parsers disagree, most keeping the last, so any choice you make ties the fingerprint to a parser detail that the code handling the request does not necessarily share.
Follow-up
  • A client sends the same logical request with an extra field your API ignores. Same key, different fingerprint, so you return 422. Is that the right answer?
  • Where does the fingerprint get computed relative to request decompression and the body-size limit?

Built from the rounds and topics Mercury candidates report.

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
01Map the Mercury loop
  • Write out the reported sequence: Screening Conversation, Technical Rounds, Cross-Functional Interviews.
  • For each round, write one sentence on what it is judging, from the description above, and mark the one you are least ready for.

Deliverable: A one-page map of the 3 reported rounds, with the weakest marked.

02Work SQL (schema review / PR review)
  • Spend the session on SQL (schema review / PR review), which Mercury candidates report being tested on.
  • Write one worked example in SQL (schema review / PR review) and time yourself on it.

Deliverable: One timed worked example in SQL (schema review / PR review).

03Work Database schema design
  • Spend the session on Database schema design, which Mercury candidates report being tested on.
  • Write one worked example in Database schema design and time yourself on it.

Deliverable: One timed worked example in Database schema design.

04Work TypeScript (code review & runtime understanding)
  • Spend the session on TypeScript (code review & runtime understanding), which Mercury candidates report being tested on.
  • Write one worked example in TypeScript (code review & runtime understanding) and time yourself on it.

Deliverable: One timed worked example in TypeScript (code review & runtime understanding).

05Consolidate
  • Re-work the problem you got wrong earliest in the week, from scratch, without looking at your previous attempt.

Deliverable: A second, cleaner solution to the problem you got wrong first.

06Rehearse your own examples
  • Prepare three examples from your own work where you made the decision, each with the outcome you can quantify.

Deliverable: Three examples written out, each with a number attached.

07Dry run for Mercury
  • Run one full mock under time, then write down the two questions you most want to ask your interviewers.

Deliverable: A completed timed mock and two questions to ask.

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

Behavioural rounds judge the decision you made and what it cost.

Unblock an engineer without taking the keyboard

easy
mentoringleasesat-least-once

A teammate has spent two days on a job handler that occasionally writes duplicate rows. They are certain the queue is delivering twice by mistake. You suspect a lease expiring under a slow handler, so the job is running concurrently with itself. Describe how you have unblocked someone in this position: what you asked before offering a hypothesis, what you showed them rather than told them, and what you left them owning. Then say what you would do if their theory turned out to be the right one.

Approach
  1. Ask before diagnosing, and ask for things answerable from data they already have: the attempt count on the job rows that produced duplicates, the handler's observed duration against its lease expiry, and whether the duplicate rows share a natural key that a unique constraint could have caught.
  2. Teach the shape rather than the answer. A lease cannot distinguish a dead worker from a slow one, so a handler that outruns its lease is running twice by design, and deploys deliver the other half by killing handlers mid-run on every rollout. Both of their candidate theories produce identical duplicate rows, which is why the evidence has to come from timings rather than from argument.
  3. Hand over a checklist they execute: a natural key on every write the handler performs so the second copy collides rather than appends, the record of intent written before any external effect, a lease heartbeat while running, and the metric that shows it working.
  4. Keep ownership with them deliberately. Pair on the first write, then step back; if you finish it yourself you have closed one ticket and left the same person stuck on the next redelivery.
Follow-up
  • How would you distinguish a genuine double-delivery from a lease expiry using only the data already stored?
  • Their handler calls an external endpoint before recording that it did. What do you tell them to change first?

Ship under a deadline and bound the debt you chose

medium
paginationtechnical debttradeoffs

You have four days to ship a tenant-facing listing endpoint. The version you would defend uses keyset pagination over (tenant_id, status, updated_at DESC, resource_id DESC); the version you can finish uses LIMIT/OFFSET with no matching index. Describe a deadline call you actually made of this shape: what you shipped, what you knowingly deferred, how you bounded the damage with a mechanism rather than an intention, and the specific numeric condition that would force the follow-up. Name who you told and where you wrote it down.

Approach
  1. Name the deferred failure precisely instead of calling it slow. OFFSET n makes the database produce and discard n rows, so cost grows with page depth; without an index matching the sort, every matching row is read and sorted before the limit applies; and rows inserted between two page fetches shift across the boundary so items are skipped or repeated with nothing in the response to signal it.
  2. Bound the blast radius with something mechanical rather than a promise: cap maximum page depth, cap page size, restrict the endpoint to one internal caller, or keep it behind a flag. State which failure each cap removes and which it leaves standing.
  3. Attach a number to the trigger and wire it to an alarm: the first tenant crossing N resources, or the endpoint's p99 crossing its share of the 400 ms budget, so the debt announces itself instead of waiting to be remembered.
  4. Write it where the next engineer looks, which is the code and the ticket, not a chat message: what was deferred, why, the cap, and the trigger.
Follow-up
  • At what page depth does the offset version breach your latency budget, given your page size and row counts?
  • What breaks first when you switch to keyset pagination later, and what does a client holding an old page token see?

Turn a code review disagreement into a decision

easy
code reviewoptimistic concurrencycommunication

A colleague's change updates a row with UPDATE resource SET version = version + 1 WHERE resource_id = $1 AND version = $2 and treats an affected-row count of zero as a successful no-op. You read that as a silently lost update; they think returning 200 is friendlier to clients than returning a conflict. Describe how you have handled a review disagreement of this shape: what goes in the comment, when you leave the thread, and who decides. Then write the comment you would leave here, in under 80 words.

Approach
  1. Sort the disagreement before writing anything. A silently discarded write is a correctness claim about data; the choice between 409 and 412 is taste. Only the first justifies blocking a merge, and saying which one you are doing is most of the value of the comment.
  2. Make the claim reproducible in the comment itself with an interleaving rather than a principle: A reads version 7, B reads version 7, B commits version 8, A's predicate matches zero rows, A is told it succeeded and A's edit is gone.
  3. Offer the alternative with its cost attached: return 409 carrying the current version and the revision that won, so the client can re-read and re-apply. Note that automatic retry is not the fix, because a retry re-reads the winner's state and reapplies an intent formed against data that no longer exists.
  4. Apply an escalation rule you can state: two round trips on the thread, then a call, and the service's owner decides rather than the reviewer. A reviewer who cannot be overruled is a bottleneck with extra steps.
Follow-up
  • Where would you put the test that fails if someone reintroduces the swallowed zero rowcount?
  • The author says clients cannot handle a 409. How do you check whether that is true?
  • 01

    A teammate has spent two days on a job handler that occasionally writes duplicate rows. They are certain the queue is delivering twice by mistake. You suspect a lease expiring under a slow handler, so the job is running concurrently with itself. Describe how you have unblocked someone in this position: what you asked before offering a hypothesis, what you showed them rather than told them, and what you left them owning. Then say what you would do if their theory turned out to be the right one.

  • 02

    You have four days to ship a tenant-facing listing endpoint. The version you would defend uses keyset pagination over (tenant_id, status, updated_at DESC, resource_id DESC); the version you can finish uses LIMIT/OFFSET with no matching index. Describe a deadline call you actually made of this shape: what you shipped, what you knowingly deferred, how you bounded the damage with a mechanism rather than an intention, and the specific numeric condition that would force the follow-up. Name who you told and where you wrote it down.

  • 03

    A colleague's change updates a row with UPDATE resource SET version = version + 1 WHERE resource_id = $1 AND version = $2 and treats an affected-row count of zero as a successful no-op. You read that as a silently lost update; they think returning 200 is friendlier to clients than returning a conflict. Describe how you have handled a review disagreement of this shape: what goes in the comment, when you leave the thread, and who decides. Then write the comment you would leave here, in under 80 words.

PracHub preparation framework ↗
Do I need to know Haskell before interviewing at Mercury?

No, prior Haskell experience is not required for backend or product engineering positions. Candidates are free to complete coding assessments in any language they choose, and Mercury supports engineers in learning Haskell on the job.

Mercury Software Engineer candidate reports ↗
What makes the technical interviews at Mercury different from other tech companies?

Mercury eschews standard LeetCode style algorithmic puzzles. Instead, you will work through realistic tasks—such as reviewing a database pull request, designing a database schema, and parsing structured data files in a timed coding exercise.

Mercury Software Engineer candidate reports ↗
How long does the hiring process typically take?

You can generally expect an initial response within two weeks of applying, with the overall interview process taking roughly three to four weeks from the recruiter screen to the final round decision.

Mercury Software Engineer candidate reports ↗
Can candidates complete the coding assessment using their local IDE?

Yes, during the open-ended coding assessment, candidates are encouraged to use their preferred local development environment, programming language, tools, and libraries.

Mercury Software Engineer candidate reports ↗
What topics does Mercury test in interviews?

Mercury interviews most often cover TypeScript, React, React Hooks, SQL, and Redux. The exact emphasis depends on the specific role you apply for.

Mercury Software Engineer candidate reports ↗
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.