At Navi, a Data Scientist plays a central role in Navi's technology-first financial services. By leveraging massive datasets across lending, insurance, mutual funds, and digital payments, you will design and deploy machine learning models that directly impact millions of customers. The algorithms you build do not just sit in notebooks; they run in real-time to make critical decisions on underwriting, fraud detection, customer acquisition, and product recommendations.
The impact of this role is immediate and highly visible. You will work on optimizing complex user funnels, building sophisticated risk models, and engineering search or recommendation systems that power the Navi app. Because Navi operates in a highly regulated yet fast-paced fintech ecosystem, your work must balance technical sophistication with business viability, keeping models both highly accurate and operationally robust.
This position requires a unique blend of deep theoretical machine learning knowledge, strong software engineering fundamentals, and sharp product intuition. You will collaborate closely with product managers, data engineers, and business leaders to translate ambiguous financial problems into structured, scalable data science solutions. It is a challenging but immensely rewarding environment for data scientists who thrive on ownership and real-world execution.
Exploratory Call
reportedBecause 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.
Technical Assessments
reportedBefore anything else, this round is a reading test. You are given a small schema and a question phrased in business language, and most of the difficulty sits in the gap between them. Who counts as an active user, does a refunded order still count as an order, is that date column an event time or a load time. Weak answers start typing immediately and compute something precise about the wrong population. Strong ones pin the definition in one sentence, name the column that encodes it, then write the query. On a timed assessment with nobody to tell, write the definition in a comment anyway.
What to demonstrate
- Whether an ambiguous term becomes a specific column and filter before any computation happens
- Whether you read the schema for keys and cardinality rather than only for column names
- Whether the result answers the question at the grain it was asked at, per user or per session or per day
How to prepare
- Take three metrics you already use and write down the exact filter and exact grain behind each, then practise stating one of them in a single sentence out loud
- On a schema you have never seen, spend the first minute writing what one row of each table means and which key it is unique on, then predict which joins can duplicate rows
- Rehearse a version where the definition changes halfway through, and edit the query you have instead of starting over
Technical Discussions
reportedThis round decides whether someone can hand you a schema and a question and trust the number that comes back. Correctness under a clock is the bar, not clever syntax. The habit that separates strong from weak answers is checking the grain: after every join, know how many rows you expect and whether the count moved. Most wrong answers in this format are not wrong logic, they are a fan-out from a key that turned out not to be unique, or a filter applied before an aggregate when it belonged after. Say what you expect before you run it.
What to demonstrate
- Whether your row counts survive each join, and whether you notice on your own when they do not
- Deliberate handling of rows that fail to match, including whether the question needs an inner join or a left join with the non-matches kept and counted
- Whether NULLs are treated on purpose, given that a NULL compares equal to nothing and that COUNT of a column skips it
- Reaching a defensible answer inside the window instead of a refined one after it
How to prepare
- Take a two-table schema, write a join that fans out on purpose, then fix it by collapsing the many-side to one row per key before joining. Repeat until the fix is reflex rather than recall.
- Write a funnel as one query and print the distinct user count at each stage, then confirm each stage is a subset of the one above it rather than assuming it
- Do a few timed runs in a plain text box with no autocomplete and no formatter, since assessment editors often have neither
Discussion with Hiring Manager
reportedThis conversation decides whether you can be handed a problem nobody has finished defining and left alone with it for a few weeks. The manager is listening for how you behave when the brief is thin: what you clarify before starting, and what you settle on your own rather than escalating. Most candidates over-index on technical depth here and under-describe the decisions they actually owned. Say who wanted the work, what you chose not to do, and where you would have stopped and asked. A clean account of your own judgement carries this round further than a longer project list.
What to demonstrate
- Whether you can name a decision that was yours alone, as opposed to one the team arrived at
- How you respond to a request that arrives with no success metric attached to it
- Whether the effort you estimate for a piece of work matches the work you just described doing
- What you escalate, and how long you sit on a problem before you do
How to prepare
- For each project you plan to raise, write one sentence saying what would not have happened if you had not been on it, and check that the sentence is about an outcome rather than an artefact
- List the decisions in your last project that were genuinely yours, and for each one write down the option you rejected and why
- Prepare the project that went badly: the point at which you knew, who you told, and what it cost before it was caught
PracHub editorial advice for the preparation topics above.
Using written premium as the denominator of a loss ratio
Premium is written at inception and earned pro rata across the exposure period, so in a growing book written premium runs ahead of earned premium and the loss ratio comes out too low, with the error reversing when the book shrinks. The numerator has the mirror-image problem if it omits incurred-but-not-reported reserves, since recent accident periods then look profitable twice over. Both sides must refer to the same exposure period, which is what an accident-period view at a fixed development age enforces.
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.
Naming a model class before naming the deployment constraints
Set out the latency budget, the label delay, the retraining cadence, the interpretability requirement and the number of labelled examples, then pick the model that fits them. A boosted-tree answer to a problem where each decision must be explained to the affected user is a well-executed answer to the wrong question.
Never asking what decision the analysis will inform
Open with who makes the decision, what the options are, and by when. The answer determines the precision you need, the segments worth cutting, and whether an observational read suffices or an experiment is required.
Choose a category, try a prompt, then open its approach, worked solution or follow-up when you need it.
Solve a series of multiple-choice questions testing your knowledge of …
Solve a series of multiple-choice questions testing your knowledge of basic probability, statistics, and linear algebra.
Approach
- Quantify uncertainty explicitly rather than reporting a point estimate alone.
- Say what the estimate is of, and over what population it generalises.
- Sanity-check the answer against a simple bound or a simulated case.
Follow-up
- How would you explain this result to someone who does not know statistics?
- What sample size would you need to detect an effect half this size?
Explain the mathematical difference between L1 and L2 regularization a…
Explain the mathematical difference between L1 and L2 regularization and how they affect model weights.
Approach
- Set a baseline first, so any model has something honest to beat.
- Say how the offline result would be validated online before it is trusted.
- 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?
- Where could label leakage enter this setup?
How would you set up an A/B testing framework to evaluate a new recomm…
How would you set up an A/B testing framework to evaluate a new recommendation algorithm versus the baseline model?
Approach
- Set a baseline first, so any model has something honest to beat.
- Pick an evaluation metric that matches the cost of each error type, not a default.
- Check what information would not exist at prediction time, and exclude it.
Follow-up
- Where could label leakage enter this setup?
- How would you choose the decision threshold, and who owns that choice?
Write integrity checks for the authorization and settlement lifecycle
You are given fct_payment_authorization as a pandas DataFrame with auth_id, requested_at, amount_minor, transaction_currency, auth_result, decline_reason_code, is_reversal, parent_auth_id, captured_at, captured_amount_minor, settled_at, settlement_amount_minor, settlement_currency and settlement_fx_rate. Write a function returning one row per integrity check with the check name, failing row count, failing share and up to five example auth_id values. Cover at least six checks, one of which reconciles captured_amount_minor against settlement_amount_minor through settlement_fx_rate. Partial capture, zero-amount verification and a decline with no capture are all legitimate and must not be flagged.
Approach
- Separate contract violations from observations before writing any code: an approved row carrying a decline_reason_code is structurally impossible, while a capture two days after requested_at is merely slow and belongs in a different severity tier.
- Express each check as a boolean mask over the whole frame and collect the masks in a dict, so the summary table is one comprehension over mask.sum() rather than a row loop.
- For the reconciliation, leave minor units before comparing: expected = captured_amount_minor / 10exponent[transaction_currency] * settlement_fx_rate * 10exponent[settlement_currency]. Build the exponent table covering zero-decimal and three-decimal currencies instead of assuming two everywhere.
- Guard the legitimate cases explicitly so each mask fires only on the genuine contradiction: captured_amount_minor below amount_minor is partial capture, amount_minor of zero on an approved row is account verification, a null captured_at on a declined row is correct.
- Sort the output by failing share times a stated severity weight, because a check firing on 0.01 percent of rows can still be the one that breaks a ledger reconciliation.
Worked solution 25 min
- Assert auth_id is unique, then build a currency exponent lookup that includes the zero-decimal and three-decimal currencies present in the data.
- Define masks for: approved with non-null decline_reason_code; declined with non-null captured_at; captured_amount_minor above amount_minor with parent_auth_id null; captured_at before requested_at; settled_at before captured_at; is_reversal true with parent_auth_id null; settlement_currency differing from transaction_currency while settlement_fx_rate is null.
- Add the exponent-aware reconciliation mask with a tolerance of one minor unit plus a small relative term.
- Assemble a frame of check_name, n_failing, pct_failing and up to five sample auth_id values, ordered by severity then share.
- Read five flagged rows per check by hand and confirm each is genuinely contradictory before reporting any counts.
Follow-up
- Which of these would you run as a blocking pipeline assertion and which as a monitored metric, and why?
- The FX check fails on 3 percent of rows, all in one settlement currency. How do you decide between a data bug and a rounding convention?
- How would you detect that a currency's minor-unit exponent is wrong in your reference table, using only the transaction data?
Write a program in Python to build a basic search engine that indexes …
Write a program in Python to build a basic search engine that indexes documents and retrieves them based on TF-IDF scores.
Approach
- State the window function and its partition and ordering out loud before writing it.
- Handle the rows that do not match: a LEFT JOIN with a NULL check is usually the question.
- Check whether any join is one-to-many before aggregating, or the sums inflate.
Follow-up
- How would you verify this result without re-running the same query?
- How does the query change if the join becomes one-to-many?
Implement a function to find the shortest path in a network using Dijk…
Implement a function to find the shortest path in a network using Dijkstra's or Breadth-First Search (BFS).
Approach
- Say which table is the grain you start from, and join outward from it.
- Handle the rows that do not match: a LEFT JOIN with a NULL check is usually the question.
- State the window function and its partition and ordering out loud before writing it.
Follow-up
- What breaks if events arrive late or out of order?
- How would you verify this result without re-running the same query?
Reconcile captured authorizations against the daily settlement total
fct_payment_authorization holds captured_amount_minor in transaction_currency, and settlement_amount_minor in settlement_currency with settlement_fx_rate applied at settlement rather than at authorization. The rate is quoted in major units of settlement_currency per major unit of transaction_currency, and dim_currency.minor_unit_exponent carries the ISO 4217 exponent for each code (0, 2 or 3 depending on the currency). Produce a daily reconciliation: for each settled_at date and settlement_currency, return settled_count, total settlement_amount_minor, and the sum of captured_amount_minor converted into settlement minor units. Flag any date and currency pair whose two totals differ by more than one minor unit per settled authorization. Do not sum amounts across currencies anywhere in the output.
Approach
- Restrict to rows that actually settled: settled_at is not null and settlement_amount_minor is not null, which is a smaller population than captured rows because a capture can still be in flight.
- Truncate settled_at to a date with an explicit time zone so the cut matches the ledger's cut, since settled_at is timestamptz and date_trunc on timestamptz silently uses the session time zone.
- Join dim_currency twice, once on transaction_currency and once on settlement_currency, so both exponents are on the row. Minor units are not a common scale: a bare captured_amount_minor * settlement_fx_rate is correct only when the two exponents are equal, and a zero-decimal currency settling into a two-decimal one is wrong by a factor of 100.
- Convert per row as ROUND(captured_amount_minor::numeric / POWER(10::numeric, exp_txn) * settlement_fx_rate * POWER(10::numeric, exp_settle)) — minor units to major in the transaction currency, apply the major-per-major rate, then back to minor units in the settlement currency. The collapsed form ROUND(captured_amount_minor::numeric * settlement_fx_rate * POWER(10::numeric, exp_settle - exp_txn)) is the same expression. Round per row and then sum, not SUM(...) * an average rate, because the rate varies row by row and rounding per row is what the settlement file did.
- Group by the settlement date and settlement_currency together, never by date alone, and carry the currency into every output column name or row.
- Compare the two totals with a tolerance scaled by settled_count, since per-row rounding accumulates linearly in the number of rows rather than being a fixed constant.
Worked solution 25 min
- Filter to settled rows and derive settlement_date from settled_at with an explicit time zone.
- Join dim_currency on transaction_currency and again on settlement_currency to pick up exp_txn and exp_settle; fail the run if either is null rather than defaulting to 2.
- Aggregate by settlement_date and settlement_currency: COUNT(*), SUM(settlement_amount_minor), and SUM(ROUND(captured_amount_minor::numeric / POWER(10::numeric, exp_txn) * settlement_fx_rate * POWER(10::numeric, exp_settle))).
- Add a derived difference column and a boolean flag where ABS(difference) > settled_count.
- Order by the flag first and then by settlement_date so the exceptions surface at the top.
Follow-up
- A partial capture means captured_amount_minor is less than amount_minor. Where does that show up in this reconciliation, and where does it not?
- On one currency pair the converted total is consistently about one hundredth of the settlement total, on every date, while the other pairs reconcile. Which two columns do you inspect first, and what single change fixes it?
- The rate is documented as major-per-major. If a feed started publishing it minor-per-minor instead, which pairs would still reconcile and which would break?
- How would you present a total across currencies to a finance partner who has asked for one number?
How would you design an real-time fraud detection system for a digital…
How would you design an real-time fraud detection system for a digital payments app? What features would you engineer, and how would you handle latency constraints?
Approach
- State what result would change your recommendation, so the answer is falsifiable.
- Restate the decision this analysis has to support, and who acts on the answer.
- Name one primary metric, then the guardrail that stops it being gamed.
Follow-up
- Which segment would you cut first, and what would that rule out?
- What would you do if the primary metric and the guardrail moved in opposite directions?
Define an active customer for a card portfolio
Leadership wants one weekly number for how many customers are active. You have fct_payment_authorization (auth_id, customer_id, auth_result, captured_at, amount_minor, is_reversal, channel) and dim_customer (customer_id, is_current, kyc_status, onboarded_at, closed_at). Write the metric definition you would publish: numerator, denominator, window, and every exclusion with its reason. Then name two ways the definition gives a wrong read, one that inflates it and one that deflates it, and say what you would report alongside it.
Approach
- Fix the grain before writing anything. The number counts distinct customers, so the authorization table has to be reduced to one row per customer_id first; a customer with forty approvals counts once.
- Build the numerator from money that actually moved: auth_result = 'approved' AND captured_at IS NOT NULL, excluding is_reversal = true and zero-amount verification authorizations. An approval that is never captured, or is reversed, has no economic content behind it.
- Build the denominator from the population that could have transacted: dim_customer with is_current = true, kyc_status = 'verified', onboarded_at on or before the window start, and closed_at null or after the window start. Joining without is_current fans the type 2 history out and multiplies the denominator by the number of attribute versions.
- State the window and its recompute cadence, trailing 30 days recomputed daily, and say plainly that this series is not comparable to a calendar-month version of the same definition.
- Name the inflation path (recurring and subscription-only customers, and wallet top-ups, count as active with no user intent behind them) and the deflation path (a customer onboarded inside the window had less than 30 days of opportunity, and activity on products outside this table is invisible).
- Pair it with a depth metric such as settled volume per active customer, so breadth cannot be reported on its own and an acquisition push cannot pass as engagement.
Worked solution 20 min
- Write the denominator query first and record both the raw dim_customer row count and the distinct customer_id count; their ratio is the fan-out factor the is_current filter removes.
- Write the numerator as a distinct customer_id count over the trailing 30 days, applying the three exclusions one at a time and recording the count after each.
- Compute the rate, then recompute with zero-amount verifications left in, and record the difference in basis points.
- Write the two failure modes as one sentence each, naming the customer population affected by each.
Follow-up
- A product team proposes counting any successful login as activity. What breaks?
- The number jumps four percent overnight with no product change. What do you check first?
- How would you report customers onboarded inside the window, given they had a shorter opportunity to transact?
Approval rate fell but approved value did not
Over ten days the count-weighted 7-day approval rate on fct_payment_authorization fell from 91 to 86 percent, while captured value in the reporting currency is flat. Available columns: auth_id, card_token_id, merchant_id, mcc, channel, requested_at, amount_minor, transaction_currency, auth_result, decline_reason_code, risk_score, is_reversal, parent_auth_id, captured_at, captured_amount_minor, issuer_country. In twenty minutes, decide whether approved value is actually at risk, and hand back a corrected rate together with its denominator and every exclusion written down.
Approach
- Restate the denominator before querying anything. The current one counts every row, so reversals (is_reversal = true), incremental authorizations (parent_auth_id not null) and zero-amount verification attempts (amount_minor = 0) are all sitting in it.
- Chart numerator and denominator separately by day. If approved counts are flat and total attempts rose, the rate moved because the denominator grew, which is a different investigation from a rule change and points at a different owner.
- Group declines by decline_reason_code and merchant_id. Retry-driven inflation concentrates in a few soft decline codes at a few merchants; a genuine policy change spreads across merchants within one code family.
- Collapse retry chains: partition by (card_token_id, merchant_id, amount_minor), keep one attempt per 15-minute window taking the best outcome, and recompute both count-weighted and dollar-weighted rates on the collapsed set.
- Convert amount_minor to one reporting currency using each currency's ISO 4217 exponent before any dollar weighting, then cut by channel and issuer_country to confirm nothing is hiding underneath a flat total.
- Report both rates side by side with the exclusion list attached, and state which definition the alert should have been built on.
Follow-up
- How would you pick the retry-collapsing window when merchants retry on different schedules?
- Flat captured value could itself be hiding a mix shift. How do you rule that out?
- What monitor would have caught denominator inflation on the day it started, rather than ten days later?
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.
Prepare, practise & reflect
One practical outcome each day. Spend longer where you need it.
0 / 7 done01Diagnostic, 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 ↗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 ↗Worked solution ↗Expand any day for tasks and deliverables. Your progress is saved on this device.
An answer without a quantity is hard to interrogate, so interviewers keep probing until they find one. Come with the baseline, the change, the window it was measured over, and how confident you were. If the effect never got measured, say so and say what you would have measured. Fabricated precision is worse than an honest gap.
Defend a vintage finding that contradicts the portfolio dashboard
The lending dashboard shows blended 90-plus days-past-due falling for four consecutive quarters while originations grew 60 percent. Using fct_loan_performance_monthly, you build a vintage view keyed on origination_month by months_on_book and find the three most recent vintages are worse than their predecessors at the same age. The business lead presents that dashboard weekly and pushes back hard, suggesting you picked favourable cohorts. You get one meeting and the vintage table. Present the finding so it survives the cherry-picking objection and ends in a decision.
Approach
- Reconcile before you contradict: show that aggregating your vintage table along the calendar diagonal reproduces the published blended series, so the disagreement is about age mix rather than about data quality.
- Make the mechanism arithmetic rather than rhetorical: a loan cannot reach 90 days past due before it is 90 days old, so rapid origination growth shifts weight onto young months-on-book where the rate is structurally near zero.
- Show every vintage rather than a selected pair, all indexed at months_on_book equal to 12, with cohort sizes printed beside each curve so nobody can claim the divergence rests on a thin cohort.
- Handle restructuring explicitly, because restructured_flag resets days_past_due: count each loan on its worst pre-restructure state, or recent vintages will look better than they are.
- Close on the decision rather than the chart: state what the divergence implies for the cutoff or the channel mix, and state in advance what evidence would make you withdraw the claim.
Follow-up
- Two cohorts differ at month 12. How do you separate a seasoning effect from a genuine credit-quality effect?
- Someone argues the recent vintages are simply a broker-channel mix shift. How do you test that, and what would confirm it?
Explain an incomplete dispute chart to a non-technical executive
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
- 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.
- 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.
- 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.
- 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.
- 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?
Recommend a decision whose true outcome matures a year later
An underwriting rule change must be decided in six weeks. Its real outcome, the vintage 90-plus rate at months_on_book 12 in fct_loan_performance_monthly, matures in a year. The executive wants a yes or no, not a range. Randomising the credit decision across the whole population is not available. Name the leading indicator you would accept, state its bias and the direction of that bias, define the decision rule and stopping condition before any rollout starts, and say what reading would make you recommend reversing the change.
Approach
- Fix the readout before the rollout, because a readout chosen after the data arrives is a story rather than a decision rule: indicator, window, threshold and reversal condition all go in writing first.
- Choose the leading indicator on its measured relationship to the matured outcome in historical vintages rather than on availability. Early delinquency, typically the share reaching dpd_1_29 or missing a first scheduled payment by months_on_book 3, is the usual candidate, and you quantify how well it predicted the 12-month rate across past cohorts.
- State the bias and its direction plainly: early delinquency under-represents default that emerges later and is contaminated by servicing and payment-date effects, so treat it as a floor on risk rather than an estimate of it.
- Buy identification where full randomisation is unavailable: a narrow randomised approval band around the cutoff, or a staged rollout by channel or region read as a difference-in-differences, with the parallel-trends assumption stated and checked in the pre-period rather than assumed.
- Give the executive the binary they asked for with the trigger attached in the same sentence: yes, conditional on the month-3 indicator staying inside a stated band, with an automatic hold if it breaches.
Follow-up
- How would you validate that the month-3 indicator predicts the 12-month outcome, and what evidence would invalidate it mid-rollout?
- Compliance refuses a randomised band. What is your next-best identification strategy, and what precision do you lose by taking it?
- 01
The lending dashboard shows blended 90-plus days-past-due falling for four consecutive quarters while originations grew 60 percent. Using fct_loan_performance_monthly, you build a vintage view keyed on origination_month by months_on_book and find the three most recent vintages are worse than their predecessors at the same age. The business lead presents that dashboard weekly and pushes back hard, suggesting you picked favourable cohorts. You get one meeting and the vintage table. Present the finding so it survives the cherry-picking objection and ends in a decision.
- 02
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.
- 03
An underwriting rule change must be decided in six weeks. Its real outcome, the vintage 90-plus rate at months_on_book 12 in fct_loan_performance_monthly, matures in a year. The executive wants a yes or no, not a range. Randomising the credit decision across the whole population is not available. Name the leading indicator you would accept, state its bias and the direction of that bias, define the decision rule and stopping condition before any rollout starts, and say what reading would make you recommend reversing the change.
Is this an official Navi interview guide?
No. It is PracHub's own research and practice material for the Data Scientist role at Navi. Rounds and questions reflect what candidates have reported, not a process Navi has published, and they change over time. Confirm the current format and scope with your recruiter.
PracHub interview research ↗How technical are the interviews at Navi?
The interviews are highly technical and rigorous. You will be evaluated on your coding ability, mathematical understanding of ML models, and system design capabilities. Preparing thoroughly for both coding (DSA) and ML theory is essential to succeed.
PracHub interview research ↗What is the typical preparation time recommended for this role?
Candidates typically spend 3 to 4 weeks preparing. This time should be split between practicing medium-level coding problems, reviewing core statistical concepts, and practicing ML system design case studies.
PracHub interview research ↗How does Navi view candidate solutions during case studies?
Interviewers look for structured thinking and adaptability. While they appreciate creative solutions, they also value candidates who can take constructive feedback during the interview and iterate on their approach dynamically.
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.
- 01PracHub interview research ↗
PracHub editorial research into this company and role, maintained with this guide. Candidate-reported, not an employer publication.
PracHub page · Accessed 2026-09-22 - 02PracHub Data Scientist practice ↗
Cross-company practice questions for this role.
PracHub page · Accessed 2026-09-22 - 03PracHub interview preparation framework ↗
The framework the preparation plan follows.
PracHub page · Accessed 2026-09-22
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