As a Data Scientist at Spire Global, you will be at the intersection of satellite-derived data and real-world intelligence. Spire Global operates one of the largest multi-purpose satellite constellations, and the data science team is responsible for transforming this massive stream of raw telemetry into actionable insights for maritime, aviation, and weather sectors. Your work is fundamental to the company’s mission of providing data that drives global decision-making.
This role requires a blend of rigorous statistical analysis and product-focused engineering. You will not only build complex models but also define the metrics that measure their success. Because the data is often noisy and high-volume, you will be expected to demonstrate a deep understanding of data infrastructure and the ability to diagnose performance drops. You will act as a bridge between the engineering teams that manage the satellite data flow and the product teams that need to interpret it to solve customer problems.
Recruiter Screen
reportedData Scientist covers at least four different jobs: experimentation, product analytics, causal work on observational data, and applied modelling that ships into a system. A screening call is the cheapest place to find out which of them is being hired for, and doing that diagnosis openly reads as senior rather than fussy. Ask what the last few pieces of work on the team actually were, and roughly how a week splits between querying, modelling and stakeholder time. Then say which parts of that you have done and which you have not. Claiming the whole range is the fastest way to be caught one round later.
What to demonstrate
- Whether you can distinguish the flavours of the role and locate your own experience inside one of them honestly
- Whether you name what you have not done instead of stretching to cover every line of the posting
- Whether your hard constraints (notice period, location, work authorisation, level) surface now rather than at offer stage
How to prepare
- Map the last two years of your time into rough percentages across query writing, experiment design, modelling and stakeholder work, so a question about scope has a real answer
- Mark every responsibility in the posting as done, adjacent or new, and prepare one sentence for each adjacent item naming the closest thing you have actually built
- Decide which logistics are non-negotiable before the call so you can state them in one sentence rather than negotiating live
Hiring Manager Conversation
reportedExpect a live problem with pieces of it missing, closer to a conversation than an exam. A metric moved, or somebody wants to know whether a change worked, and you are asked how you would find out. The manager is watching the first ninety seconds, specifically whether you establish what decision hangs on the answer before you start proposing methods. Candidates who open with a technique get steered back. Once the decision is clear, describe what the data would look like if the story were true, and say what you would accept as evidence that it is not.
What to demonstrate
- Whether you fix the decision the analysis serves before choosing an approach
- How you continue when you are told the data you just asked for does not exist
- Whether you state what would change your mind, not only what would confirm the hypothesis you started with
- How you size an effect before you have measured it
How to prepare
- Take a metric you know well and practise explaining in under two minutes the four things that could have moved it and how you would separate them
- Pick a recent launch or experiment and write the single number you would ask for first, plus what you would conclude if it came back flat
- Practise being interrupted: have someone remove a data source halfway through your answer and carry on without restarting
Technical Deep Dives
reportedMuch 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
Virtual Interview Day
reportedAn 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 editorial advice for the preparation topics above.
Assuming a model is fair because protected attributes are not among its inputs
Postcode, device, tenure, income proxies and even transaction patterns correlate with protected characteristics, so a model can produce a disparate outcome without ever reading the attribute. Credit decisions additionally carry an explainability obligation in many jurisdictions, since a denial has to be accompanied by its principal reasons, which constrains model form and feature engineering rather than being a reporting afterthought. Treating fairness testing and reason-code generation as design constraints from the first model version is far cheaper than retrofitting them to a deployed one.
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.
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.
Analysing at a different unit than the one randomised
Say out loud what was randomised (user, device, account, cluster) and make the analysis unit match, or account for the clustering with cluster-robust standard errors, the delta method, or aggregation up to the randomised unit. Randomising users and then running a test over sessions understates variance and inflates the false-positive rate.
Choose a category, try a prompt, then open its approach, worked solution or follow-up when you need it.
When would you choose a Bayesian approach over a Frequentist approach …
When would you choose a Bayesian approach over a Frequentist approach for testing?
Approach
- Write down the assumption the method needs before you use the method.
- Quantify uncertainty explicitly rather than reporting a point estimate alone.
- Translate the result into the decision it informs, in one plain sentence.
Follow-up
- What sample size would you need to detect an effect half this size?
- How would you explain this result to someone who does not know statistics?
How do you balance trade-offs between precision and recall in a custom…
How do you balance trade-offs between precision and recall in a customer-facing model?
Approach
- Frame the prediction: the label, the moment of prediction, and the action it triggers.
- 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.
Follow-up
- What would you monitor after launch to know the model is still valid?
- Where could label leakage enter this setup?
Build a vintage delinquency table without pivot or unstack
fct_loan_performance_monthly gives loan_id, origination_month, months_on_book, days_past_due, charge_off_flag and restructured_flag. Produce a DataFrame with one row per origination_month and columns for months_on_book 0 through 12, each cell holding the share of that vintage's funded loans that had ever reached 90 or more days past due, or charge-off, by that age. You may not use pivot, pivot_table, crosstab or unstack. Cells for ages a cohort has not yet reached must be NaN rather than zero.
Approach
- Define the per-row indicator as days_past_due >= 90 or charge_off_flag, then take a cumulative maximum of it per loan ordered by months_on_book, because the metric is reached-by-age-m, not in-that-state-at-age-m.
- Deal with restructuring before the cumulative max. Restructuring resets days_past_due, so a restructured loan re-enters at current and, without the cumulative maximum carrying its pre-restructure worst state, reads as a cure.
- Fix the denominator once as the count of distinct loan_id per origination_month across the whole cohort. Prepaid and charged-off loans stop producing rows, so a denominator recomputed at each age silently shrinks exactly where losses land.
- Aggregate with groupby(['origination_month','months_on_book'])['ever_90'].sum(), then pre-build the output frame indexed by sorted origination months with integer columns 0 to 12 and assign from the grouped Series by .loc on its index.
- Mask cells beyond each cohort's maximum observed months_on_book so an immature cell reads NaN instead of an artificially low rate.
Worked solution 30 min
- Sort by loan_id and months_on_book, build the ever_90 indicator, then apply groupby('loan_id')['ever_90'].cummax().
- Compute cohort_size as the distinct loan_id count per origination_month, before any filtering on age.
- Group the cumulative indicator by origination_month and months_on_book and sum it to get the numerator per cell.
- Create the output frame with the sorted origination months as index and range(0, 13) as columns, fill it from the grouped Series, and divide each row by its cohort_size.
- Compute each cohort's maximum observed months_on_book and set every cell to the right of it to NaN.
Follow-up
- Two adjacent vintages diverge at months_on_book 6. How would you separate seasoning, mix shift and a genuine credit-quality change?
- The three most recent vintages look best on this table. What do you check before saying so?
- How does the table change if charge-off policy moved from 180 to 120 days past due partway through the series?
Explain the difference between various types of joins in the context o…
Explain the difference between various types of joins in the context of large-scale data processing.
Approach
- State the window function and its partition and ordering out loud before writing it.
- 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.
Follow-up
- How does the query change if the join becomes one-to-many?
- How would you verify this result without re-running the same query?
How do BigQuery partitions work and how do they impact query performan…
How do BigQuery partitions work and how do they impact query performance?
Approach
- Check whether any join is one-to-many before aggregating, or the sums inflate.
- State the window function and its partition and ordering out loud before writing it.
- Compute rates by summing numerator and denominator separately, never by averaging rates.
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?
How would you optimize a query that is scanning too much data?
How would you optimize a query that is scanning too much data?
Approach
- Check whether any join is one-to-many before aggregating, or the sums inflate.
- 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.
Follow-up
- How does the query change if the join becomes one-to-many?
- How would you verify this result without re-running the same query?
Customers with no credit application, avoiding the NOT IN trap
Count current customers who have never submitted a credit application, broken out by segment. dim_customer is a slowly changing dimension type 2, so restrict to is_current = true, kyc_status = 'verified' and closed_at null. In fct_loan_application, customer_id is null for applicants who were not customers when they applied. Write the anti-join, return segment and customer_count, and state in one line what NOT IN (SELECT customer_id FROM fct_loan_application) returns against this table and why.
Approach
- Pin the dimension to one row per customer first: is_current = true already guarantees that, but say so out loud, because forgetting it multiplies every count by the number of attribute versions a customer has accumulated.
- Write the anti-join as NOT EXISTS with a correlated predicate on customer_id, which evaluates per row and is unaffected by nulls anywhere in the applications table.
- Name the failure explicitly: NOT IN against a nullable column compares each candidate to a set containing NULL, the comparison yields UNKNOWN rather than TRUE, and the whole predicate is therefore never satisfied, so the query returns zero rows.
- If NOT IN is required for some reason, add WHERE customer_id IS NOT NULL inside the subquery, which restores the intended semantics, and note that a LEFT JOIN with an IS NULL filter is equally safe.
- Group by segment and sanity-check the total against the unfiltered current-customer count minus the count of distinct applying customers.
Worked solution 20 min
- SELECT segment, COUNT(*) FROM dim_customer c WHERE c.is_current AND c.kyc_status = 'verified' AND c.closed_at IS NULL.
- Add AND NOT EXISTS (SELECT 1 FROM fct_loan_application a WHERE a.customer_id = c.customer_id).
- Group by segment and order by the count descending.
- Run the NOT IN variant alongside it and record that it returns zero rows, then run it again with IS NOT NULL added to the subquery and confirm the counts match the NOT EXISTS version.
Follow-up
- Rewrite it as a LEFT JOIN with IS NULL and say when you would prefer that form to NOT EXISTS.
- How does the answer change if you want customers who never applied as of a historical date rather than today?
- The applications table has 40,000 rows with a null customer_id. What are those rows, and are they a data quality problem or a product fact?
How would you design a metric to track the health of our satellite dat…
How would you design a metric to track the health of our satellite data ingestion?
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.
- Decompose the metric into the rates that drive it, and say which one you would check first.
Follow-up
- Which segment would you cut first, and what would that rule out?
- How would you detect that the metric is being gamed rather than genuinely improving?
If you noticed a sudden drop in a key product metric, how would you sy…
If you noticed a sudden drop in a key product metric, how would you systematically diagnose the root cause?
Approach
- Name one primary metric, then the guardrail that stops it being gamed.
- Decompose the metric into the rates that drive it, and say which one you would check first.
- Restate the decision this analysis has to support, and who acts on the answer.
Follow-up
- Which segment would you cut first, and what would that rule out?
- How would you detect that the metric is being gamed rather than genuinely improving?
What metrics would you use to evaluate the performance of a new data f…
What metrics would you use to evaluate the performance of a new data feed?
Approach
- Name one primary metric, then the guardrail that stops it being gamed.
- State what result would change your recommendation, so the answer is falsifiable.
- Decompose the metric into the rates that drive it, and say which one you would check first.
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?
What are the most common experimentation pitfalls you have encountered…
What are the most common experimentation pitfalls you have encountered?
Approach
- Name the randomisation unit first; it decides the variance and what the test can detect.
- State the primary metric and the minimum effect worth shipping, then size the test.
- Name the guardrails that would stop a launch even on a positive primary result.
Follow-up
- How would you handle interference between treated and control units?
- What would you conclude if the result is positive but the test is underpowered?
How do you determine the required sample size for an A/B test?
How do you determine the required sample size for an A/B test?
Approach
- Say whether units interfere with each other, and switch design if they do.
- Name the guardrails that would stop a launch even on a positive primary result.
- Decide the analysis before seeing data, including how long it runs and when you look.
Follow-up
- What would you conclude if the result is positive but the test is underpowered?
- What would you do if you could not randomise at all?
Measure an underwriting automation programme without hiding cost
An operations programme aims to cut manual underwriting. The proposed metric is manual review rate: decided_by = 'manual' over applications with decision in ('approve','decline') in fct_loan_application. The team controls the referral rules recorded in policy_rule_hits. Explain how they can halve that metric in one release while making the book worse, then design the readout that catches it: primary metric, the cuts it must always be reported in, and the guardrails. Say what evidence you would require before declaring a batch of referrals safe to auto-decide.
Approach
- Name the exploit precisely. Referrals can be converted to automatic declines by a rule change, which removes them from the numerator at no operational cost while they stay in the denominator, so the rate falls and applicants a human would have approved are rejected instead. Auto-approving the same population moves the metric identically with the mirror-image failure mode.
- Refuse the bare rate as a primary. Make it conditional on outcomes: manual review rate measured at a held-constant approval rate within each model_pd_12m band, so a reduction is creditable only when the decisions themselves did not move.
- Require fixed cuts on every report: by model_pd_12m band and by the rule identifier inside policy_rule_hits. A single blended operations number cannot be decomposed after the fact, and the decomposition is the entire diagnostic.
- Set guardrails on the things the exploit disturbs: approval rate within each score band, the override rate where manual decisions disagree with the automated recommendation, and the vintage 90+ rate at months_on_book = 12 for the newly auto-decided population against the referrals of the prior regime.
- Fix the evidence bar for retiring a referral rule: a shadow period where the rule fires and the case is still worked manually, recording what the automation would have decided, what the human decided, and, for the disagreement group alone, the realised performance. Agreement on the easy majority establishes nothing about the disputed minority.
- State the conflict honestly rather than designing around it. The referral population exists because the model is least certain there, so automating it trades loss for cost by construction, and the readout's job is to price that trade rather than to make it disappear.
Worked solution 30 min
- Compute manual review rate for a recent month overall, then by model_pd_12m band, then by rule identifier extracted from policy_rule_hits.
- For each rule, compute the approve share and decline share of the applications it touches, so the rules whose removal would actually change decisions are identified before anyone proposes removing them.
- Simulate the exploit: reclassify one high-volume referral rule's applications as automatic declines, then recompute the blended rate and the band-level approval rates side by side.
- Write the readout spec: the primary with its conditioning, the two mandatory cuts, the three guardrails, and the shadow-period evidence bar.
Follow-up
- The override rate falls to near zero after the change. Is that good?
- How long must the shadow period run, given the outcome matures at twelve months on book?
- The rule fires on 200 applications a month. What can and cannot be established at that volume?
Settled volume jumps after a new acceptance corridor launches
Settled payment volume per active customer rose 12 percent in the month a new acceptance corridor went live. The pipeline sums settlement_amount_minor from fct_payment_authorization and divides by 100 to get major units. Columns available: amount_minor, transaction_currency, captured_amount_minor, settlement_amount_minor, settlement_currency, settlement_fx_rate, settled_at, is_reversal, issuer_country, acquirer_country. Confirm or refute the 12 percent, and specify exactly the conversion the metric should be using.
Approach
- Split the month-over-month increase by settlement_currency. If one currency carries nearly all of it while its transaction count barely moved, the problem is arithmetic rather than demand, and that is a two-minute check.
- Look up each currency's ISO 4217 exponent. Dividing a three-decimal currency by 100 instead of 1000 overstates it tenfold; dividing a zero-decimal currency by 100 understates it hundredfold. Neither is a rounding issue.
- Rewrite the conversion to scale settlement_amount_minor by ten to the power of that currency's exponent, then convert to the reporting currency. Do not reuse settlement_fx_rate for this; it is the rate applied between transaction and settlement currency at settlement time, not a reporting-currency rate.
- Check the other half of the series too. settlement_amount_minor is denominated in settlement_currency while amount_minor is in transaction_currency, so any series that mixes the two is uninterpretable regardless of the exponent fix.
- Exclude reversals and refunds, recompute, then reconcile the corrected total to the settlement ledger for the same period and show the tie-out in the write-up.
- Recompute the per-customer denominator on the corrected month, since a new corridor adds customers as well as volume and the ratio can move either way once the numerator is right.
Follow-up
- Where else in the warehouse does a hardcoded divide-by-100 appear, and how would you find every instance?
- What test would fail the build the next time a currency with a different exponent is onboarded?
- The reporting-currency rate is itself a choice. Which rate, on which date, and why does finance care about the answer?
Roughly 90 minutes a night on weekdays with one longer weekend block. The plan deliberately cuts scope rather than compressing everything, on the assumption that finishing one thing a night beats half-starting four.
Prepare, practise & reflect
One practical outcome each day. Spend longer where you need it.
0 / 7 done01Fix the scope and set a baseline
- Read the role description and write the three things the loop will almost certainly test, then write an explicit not-doing list for everything else and keep it visible all week.
- Take one 20-minute SQL prompt and one 10-minute metric question cold, and write the single sentence that says what blocked each attempt, since that sentence is what decides which two topics get the most evenings.
- Set the week's one rule: one problem finished to completion every night, including the night you only have 40 minutes.
Deliverable: A one-page scope with an explicit not-doing list and two cold attempts, each carrying one sentence on what blocked it.
Practice prompt ↗Practice prompt ↗Practice prompt ↗Worked solution ↗02One query pattern, written three times
- Choose the single pattern most likely to appear (a cohort retention grid, or a funnel counted by user) and write it three times from a blank file rather than editing the previous attempt.
- On the third attempt, write the grain of every CTE as a comment before writing its body.
- Stop at 90 minutes even if the third version is imperfect, and write the one thing you would fix with another hour.
Deliverable: Three independent versions of the same query plus a note on what changed between them.
Practice prompt ↗Practice prompt ↗Practice prompt ↗03Only the statistics you will be asked to defend
- Write, in under 200 words, how you would decide whether a difference between two groups is real: the test, its assumptions, and what you would switch to when an assumption fails.
- Compute a 95 percent confidence interval for a difference in proportions by hand on realistic numbers, then write in one sentence what changes if the two samples are paired rather than independent.
- Write your answer to "what does a p-value mean", check it against a definition, and delete the version that describes it as the probability the hypothesis is true.
Deliverable: A 200-word written answer and one hand-computed interval you can reproduce under pressure.
Practice prompt ↗Practice prompt ↗Practice prompt ↗04One case, and the assumptions holding it up
- Answer one product case aloud in 20 minutes with a recording running, then listen back with a pen and mark every claim you asserted without saying what it rested on: an assumed user behaviour, an assumed data source, an assumed baseline rate, an assumed grain.
- Pick the three assumptions the recommendation actually depends on, write how you would check each one against data, and say which one being wrong would flip the recommendation rather than merely weaken it.
- Write the four-step structure you used onto a card small enough to hold in working memory when you are nervous.
Deliverable: One recording, three load-bearing assumptions each with a written check, and a four-step structure card.
Practice prompt ↗Practice prompt ↗Worked solution ↗05Your own work, timed
- Write a 90-second version and a four-minute version of your main project, and time both out loud rather than reading them.
- Prepare answers to the two follow-ups that always come: what you would do differently, and how you knew it worked.
- Put one number in the first sentence and be able to say exactly where that number came from and what it excludes.
Deliverable: Two timed narratives with one defensible number in the opening line.
Practice prompt ↗Practice prompt ↗06The one full rehearsal, in a longer weekend block
- Run a 60-minute mock covering query work, a case and a behavioural question in a single sitting with no breaks, because sustained attention is the thing evenings have not trained.
- Immediately afterwards, and before hearing any feedback, write the three moments you lost the thread.
- Spend the rest of the block only on those three moments, and on nothing you merely feel shaky about.
Deliverable: Mock notes naming three failure moments with a specific fix written under each.
Practice prompt ↗Practice prompt ↗07Taper
- Write the 20-minute warm-up you will actually do on the morning of the interview: one query you can already write from a blank file, one metric you can define out loud, and nothing you have never seen before.
- Re-read only your own notes from this week, and open no new material.
- Write down the logistics: the tool you will be asked to work in, whether lookups are allowed, and the sentence you will use when you do not know something.
Deliverable: A one-page card holding the case structure, the project numbers, and the logistics.
Practice prompt ↗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.
Tell me about a time you had to explain a complex technical concept to…
Tell me about a time you had to explain a complex technical concept to a non-technical stakeholder.
Approach
- Pick a story where you drove the decision, not one where you observed it.
- Quantify the outcome, including what you would not claim credit for.
- Close with what you would do differently, concretely.
Follow-up
- What would you do differently if you ran that project again?
- What did you decide not to do, and why?
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?
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
Tell me about a time you had to explain a complex technical concept to a non-technical stakeholder.
- 02
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.
- 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 Spire Global interview guide?
No. It is PracHub's own research and practice material for the Data Scientist role at Spire Global. Rounds and questions reflect what candidates have reported, not a process Spire Global has published, and they change over time. Confirm the current format and scope with your recruiter.
PracHub interview research ↗How much time should I dedicate to preparing for the technical rounds?
Given the depth of the technical questioning, plan on at least 2–3 weeks of focused preparation. Prioritize reviewing the mathematical foundations of your past projects and practicing complex SQL queries.
PracHub interview research ↗What differentiates successful candidates from those who are not selected?
Successful candidates are those who can explain their "why." They don't just state what they did; they explain the trade-offs they considered and why they chose one path over another.
PracHub interview research ↗What is the culture like at Spire Global?
The culture is highly technical and data-driven. You will find that your colleagues are deeply invested in the quality of their output and value precise, evidence-based communication.
PracHub interview research ↗How should I handle an interviewer who interrupts or challenges my answers?
Stay calm and treat it as a discussion rather than a confrontation. If you are interrupted, pause, acknowledge the interviewer's point, and then pivot back to your explanation, ensuring you address their specific concern.
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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