Milliman · Data Scientist
Updated · 2026-09-24

Milliman Data Scientist
Interview Questions & Guide 2026

THE 60-SECOND BRIEF

A Data Scientist at Milliman occupies a highly specialized and impactful position at the intersection of advanced analytics, actuarial science, and business consulting. As one of the world's largest providers of actuarial and related products and services, Milliman relies on its data science teams to build the predictive models and analytical tools that drive massive decisions in healthcare, insurance, and financial risk management. In this role, you do not write code in a vacuum; your models directly influence healthcare policy, insurance pricing, and risk mitigation strategies for global clients.

Learn the economics of the product category before the loop. Marketplaces, subscription products and ad-supported products turn on different core quantities (match rate and liquidity, retention and churn, fill rate and yield) and fail in different characteristic ways.

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

Separate censoring from events in time-to-event modelsMinimise protected health information in every extractBuild member-month denominators from overlapping coverage spans

33 min read

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See the practice prompts

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

A Data Scientist at Milliman occupies a highly specialized and impactful position at the intersection of advanced analytics, actuarial science, and business consulting. As one of the world's largest providers of actuarial and related products and services, Milliman relies on its data science teams to build the predictive models and analytical tools that drive massive decisions in healthcare, insurance, and financial risk management. In this role, you do not write code in a vacuum; your models directly influence healthcare policy, insurance pricing, and risk mitigation strategies for global clients.

The work of a Data Scientist here is deeply consultative. You will frequently translate complex statistical outputs into actionable business strategies for non-technical stakeholders and clients. This requires not only technical excellence but also a strong grasp of industry-specific data structures, particularly healthcare claims, pharmacy data, and risk adjustment frameworks. Whether you are developing interactive applications using R Shiny to help clients visualize risk or optimizing large-scale data pipelines, your contributions will have a direct, measurable impact on the business.

Joining Milliman means stepping into an intellectually rigorous environment where autonomy and entrepreneurial thinking are highly valued. Because the firm operates under a decentralized structure, individual teams have significant freedom to choose their tech stacks and methodologies. This setup offers an exciting opportunity for self-motivated data scientists who want to own their projects from end to end, from initial data ingestion and modeling to final client presentation.

01

Automated Video Screening

reported

An extra round usually exists because something is still open after the standard loop: a skill the earlier interviews did not sample, a level decision, or two interviewers who disagreed. It is rarely a rerun of what you already did well. Ask the recruiter who you are meeting, what function they sit in, and how long the session runs. That is an ordinary scheduling question, and the answer changes what you should prepare. What separates a strong candidate here is treating the round as a fresh evaluation with its own bar, rather than assuming earlier performance carries you through or sinks you.

What to demonstrate

  • Whether you can answer well on ground the earlier rounds did not cover, without leaning on what you already said to someone else
  • Consistency of the facts in your stories: the same sample size, timeframe, team size and scope of your own role as in earlier conversations
  • How you handle an unfamiliar format live, including whether you ask what kind of answer is wanted before producing one

How to prepare

  • Ask the recruiter for the interviewer's function, the length, and whether to expect a coding surface, a discussion, or a presentation. Preparing for a 30 minute conversation with a partner team is not the same work as preparing for a 60 minute technical block.
  • Write out what each earlier round actually covered, then list the two or three areas nobody probed. That gap is the most likely subject of the extra round.
  • Re-read the numbers in the project stories you have already told, so a second telling does not quietly contradict the first.
PracHub interview research ↗
02

Recruiter Call

reported

Most candidates lose this call inside the first two minutes, during the walkthrough of their own background. The account runs chronologically, sits at the level of tools and titles, and never arrives at a decision anyone could have disagreed with. Anchor on a problem instead of a timeline: what the team could not answer, what you did about it, what happened next. Ninety seconds is enough, and stopping on time leaves room for the half of the call that belongs to you. What you ask about how work gets prioritised signals your level more reliably than the walkthrough does.

What to demonstrate

  • Whether your background summary has a shape (problem, decision, consequence) or is a chronological list of tools and employers
  • Whether you can account for gaps, short stints and the reason you are looking, unprompted and without hedging
  • The substance of the questions you ask back, which an experienced screener reads as a level signal

How to prepare

  • Time your opening walkthrough against a clock. If it runs past two minutes, compress the earliest role into a single clause and spend the recovered time on the most recent one
  • Write one honest sentence for every gap or short stint visible on your resume and offer it before being asked about it
  • Prepare questions about how work arrives and gets prioritised: who writes the request, how often priorities change, and what happens to an analysis after it is delivered
PracHub interview research ↗
03

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 ↗
04

Final Interview Loop

reported

A day of back-to-back interviews samples your floor, not your ceiling. Four hours in, the habits that carry a good answer are the first to go: restating the question before solving it, asking what the data would have to look like, checking a number before quoting it. What the day decides is whether the tired version of you is still someone to leave alone with an ambiguous problem. The round that sinks a candidate is usually not the hardest one. It is the one immediately after the round that went badly.

What to demonstrate

  • Whether the late rounds get the same clarifying questions as the first one, or whether you start answering immediately to save effort
  • Whether a weak answer stays in the room it happened in, instead of following you into the next conversation as apology or distraction
  • Whether the quality of your questions holds up, since fatigue removes curiosity about the problem before it removes knowledge of the method

How to prepare

  • Rehearse the length, not just the content: book four mock interviews of different types in one afternoon with short gaps, because the one you need to observe is the fourth
  • Put the two or three questions you ask at the start of any problem on a card in front of you, so that under fatigue it is a habit you run rather than a decision you make
  • Decide in advance what the gap between rooms is for: water, one line of notes on anything you promised to follow up, and an explicit close on the round that just ended so it does not travel
  • Prepare a different closing question for each interviewer, so the end of a long day does not produce the same one four times
PracHub interview research ↗

PracHub editorial advice for the preparation topics above.

01

Reading the most recent months of a claims-based series as real

Claims incur before they are reported and paid, so recent incurred months are systematically undercounted until runout completes. The lag is not uniform: pharmacy adjudicates in days, professional claims in weeks, inpatient facility claims in months. That means recent data is both too low and mix-shifted toward cheap services, which reads as a cost improvement and a utilisation drop at once. The fix is to hold the last three incurred months back or apply completion factors, and to state the paid-through date on every chart.

02

Pre-post evaluation on a high-cost or high-risk cohort

Cohorts selected on an extreme value of the outcome regress toward the mean on their own. Members identified as the top 1 percent of spend in one year spend far less the next, whether or not anyone intervenes, because the selecting year captured both chronic severity and one-off events. A pre-post design on such a cohort will report savings every time. A concurrent comparison group selected by the same rule in the same period, or a regression discontinuity at the selection threshold, is the minimum credible design.

03

Over-explaining the method and under-explaining the implication

Lead with the answer and what you would do about it, then give the approach when asked. Roughly one sentence of method per three of implication is the right ratio for a stakeholder-facing answer; the interviewer already knows what a regression is.

04

Extrapolating a first-week lift inflated by novelty effects

Plot the treatment effect by days since first exposure instead of quoting one pooled average. A lift that decays toward zero across the test window is behaviour that will not persist, and annualising it produces a forecast that misses by an order of magnitude.

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

Explain the trade-offs between using a generalized linear model (GLM) …

medium
machine learning and modelling

Explain the trade-offs between using a generalized linear model (GLM) versus a tree-based machine learning model for risk prediction.

Approach
  1. Say how the offline result would be validated online before it is trusted.
  2. Set a baseline first, so any model has something honest to beat.
  3. Check what information would not exist at prediction time, and exclude it.
Follow-up
  • How would you choose the decision threshold, and who owns that choice?
  • What would you monitor after launch to know the model is still valid?

How do you prevent overfitting when training a model on historical hea…

medium
machine learning and modelling

How do you prevent overfitting when training a model on historical healthcare data that may have seasonal or regional biases?

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
  • Where could label leakage enter this setup?
  • How would you choose the decision threshold, and who owns that choice?

How do you explain complex statistical findings or machine learning mo…

medium
machine learning and modelling

How do you explain complex statistical findings or machine learning model outputs to a client who has no background in data science?

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

Four data-quality rules over corrected and cancelled lab results

easyWorked solution
data qualityrecord supersessionunit drift

lab_result has result_id, order_id, patient_id, loinc_code, value_numeric, value_text, units, reference_low, reference_high, specimen_collected_ts, resulted_ts, result_status (preliminary, final, corrected, cancelled), supersedes_result_id. Return one row per rule with a failing count, a failing share, and one example result_id, for these rules: more than one surviving row per (order_id, loinc_code) after resolving corrections and dropping cancelled; resulted_ts earlier than specimen_collected_ts; a numeric result whose unit is not the modal unit for its loinc_code; value_numeric and value_text both null on a row with result_status 'final'.

Approach
  1. Resolve the correction chain before anything else. Drop result_status 'cancelled', then within each (order_id, loinc_code) keep the row whose result_id appears in no other row's supersedes_result_id. That terminal node is the surviving value and the rule holds even if a correction is loaded with a backdated timestamp.
  2. Build each rule as a boolean mask over a named frame rather than as a filtered copy, so the failing share has an explicit, per-rule denominator. Rule three is eligible only on rows with a non-null value_numeric; rule four only on final rows.
  3. For the unit rule, derive the modal unit per loinc_code from the data instead of hardcoding an expected unit. The failure being hunted is one analyte reported in two units whose values differ by a fixed factor, which no range check catches because both sets of numbers look plausible.
  4. Emit a tidy frame with columns rule, eligible_rows, failing_rows, failing_share, example_result_id. A printed report cannot be diffed between runs; a frame can be stored and alerted on.
  5. Order the output by failing_share descending so the run has a lead finding rather than four equal-weight lines.
Worked solution 25 min
  1. Drop cancelled rows, then compute the set of result_ids referenced by supersedes_result_id and keep rows not in that set.
  2. Rule one: group the survivors by (order_id, loinc_code) and count rows above 1.
  3. Rule two: mask on resulted_ts < specimen_collected_ts over rows where both timestamps are present.
  4. Rule three: compute the mode of units per loinc_code over rows with non-null value_numeric, then mask rows whose unit differs from it.
  5. Rule four: mask rows with result_status 'final' and both value columns null. Assemble the four results into one frame with counts, shares and an example id.
EXPECTED RESULTA four-row frame. After the resolver, rule one should report zero failing groups on a well-formed extract; a non-zero count there means the supersession chain branches or a duplicate load occurred, and that is the finding to lead with rather than a percentage.
Follow-up
  • The modal-unit rule fires on 8 percent of one analyte. How do you decide whether that is a unit-conversion bug or a second legitimate assay?
  • What would you add to catch a value that is inside its reference range but physiologically impossible?
  • Which of these four rules should block a downstream pipeline and which should only alert, and why?

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.

Saying no well is a senior skill and it is rarely rehearsed. Think of a time you told someone their analysis was not worth doing, or that the experiment could not answer their question at the sample size available. Explain what you offered instead. Refusal without an alternative reads as obstruction rather than judgement.

How do you handle complex data manipulation and preliminary modeling t…

medium
behavioural and stakeholder questions

How do you handle complex data manipulation and preliminary modeling tasks in Excel before transitioning to more robust programmatic environments?

Approach
  1. Quantify the outcome, including what you would not claim credit for.
  2. Close with what you would do differently, concretely.
  3. Pick a story where you drove the decision, not one where you observed it.
Follow-up
  • How did you know the outcome was caused by your change?
  • What did you decide not to do, and why?

What is your experience with SAS? How would you optimize a legacy SAS …

medium
behavioural and stakeholder questions

What is your experience with SAS? How would you optimize a legacy SAS script that is running slowly on a large dataset?

Approach
  1. Pick a story where you drove the decision, not one where you observed it.
  2. State the situation in two sentences and spend the rest on your reasoning.
  3. Quantify the outcome, including what you would not claim credit for.
Follow-up
  • What would you do differently if you ran that project again?
  • What did you decide not to do, and why?

Sequence three urgent requests with one analyst-week available

medium
prioritisationtradeoffsstakeholder communication

Three requests land on Monday and you have one week. An actuarial team needs incurred-claims completion factors restated before a filing deadline on Thursday. A clinical programme owner wants a deterioration model refreshed because its calibration has drifted in one region. A trial operations team wants site enrolment forecasts for a portfolio review in two weeks. Each requester believes theirs is blocking. Deliverable: your sequence with the reasoning, the message you send to whoever is deprioritised, and the smaller artefact you hand each of the two you cannot fully serve.

Approach
  1. The probe is whether you prioritise on consequence and reversibility rather than on who asked loudest or most recently.
  2. Classify each request by what happens if it slips. A regulatory or contractual deadline is irreversible on its date, a drifting model is causing harm every day it keeps running, and a portfolio review can absorb a provisional number. That ordering is defensible to all three requesters because it does not depend on your preferences.
  3. Take the deadline-bound work first, but scope it to the minimum defensible output, because completion factors feeding a filing carry a different error tolerance than a slide.
  4. Do not let the drifting model simply wait. Quantify the harm cheaply by comparing calibration in the affected region against the rest, and if it is materially miscalibrated propose flagging or suppressing its output for that region within the hour rather than at the end of a refresh.
  5. Give each deprioritised requester something real: a provisional forecast with its uncertainty and a refresh date, or a diagnostic that tells them whether their problem is urgent. Say no explicitly with a date rather than going quiet, because silence is what produces escalation.
Follow-up
  • The programme owner escalates to your manager. What do you want your manager to be able to say?
  • Midweek the actuarial work needs two more full days than you estimated. What gives?
  • How does your answer change if the drifting model drives a clinical outreach list rather than a report?
  • 01

    How do you handle complex data manipulation and preliminary modeling tasks in Excel before transitioning to more robust programmatic environments?

  • 02

    What is your experience with SAS? How would you optimize a legacy SAS script that is running slowly on a large dataset?

  • 03

    Three requests land on Monday and you have one week. An actuarial team needs incurred-claims completion factors restated before a filing deadline on Thursday. A clinical programme owner wants a deterioration model refreshed because its calibration has drifted in one region. A trial operations team wants site enrolment forecasts for a portfolio review in two weeks. Each requester believes theirs is blocking. Deliverable: your sequence with the reasoning, the message you send to whoever is deprioritised, and the smaller artefact you hand each of the two you cannot fully serve.

PracHub interview preparation framework ↗
Is this an official Milliman interview guide?

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

PracHub interview research ↗
How technically difficult are the interviews at Milliman?

The technical difficulty is generally average to difficult, but it depends heavily on your alignment with the team's domain. If you have a strong background in R and healthcare claims, the technical questions will feel highly intuitive. If you lack healthcare or insurance experience, the domain-specific questions can make the process feel significantly more challenging.

PracHub interview research ↗
How much prep time should I budget for the interview process?

You should budget at least 2 to 3 weeks of focused preparation. This allows you enough time to complete the multi-hour technical assessment, refine your portfolio of R or Shiny projects, and thoroughly research healthcare claims structures and actuarial risk concepts.

PracHub interview research ↗
What is the company culture like for Data Scientists?

Milliman operates with a highly professional, academic, and decentralized culture. There is a strong emphasis on intellectual curiosity, precision, and high-quality deliverables. Because teams operate semi-autonomously, you will enjoy a high degree of ownership over your work, but you must be comfortable navigating ambiguity and driving projects forward independently.

PracHub interview research ↗
How quickly does the interview process move from initial screen to offer?

The timeline can vary from 3 to 6 weeks. Because different offices and practice groups manage their own hiring pipelines, some processes move incredibly fast, while others may take longer due to coordinating panel schedules with busy consulting actuaries.

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.