A Software Engineer at Standard Life maintains and evolves the digital infrastructure that supports the company's commitment to financial security. You will design, build, and maintain software solutions that help Standard Life customers manage their long-term savings and investments.
This role affects the scalability and reliability of Standard Life's platforms. You will work within cross-functional teams to solve complex technical problems, ensuring that the company's systems are performant, secure, and user-centric. Whether you are optimizing backend processes or contributing to the core service architecture, your work will influence the efficiency of Standard Life's service delivery.
Standard Life places a high value on candidates who demonstrate both technical proficiency and a clear understanding of the financial services domain. Be prepared to articulate how your software solutions can improve user outcomes.
Recruiter Screening
reportedBefore anything technical happens, someone has to decide which rung of the ladder your loop is calibrated to, and that decision sets the bar for every round after it. It comes from how you describe scope, not from your title, because titles do not convert cleanly between companies. The weak version of the answer is team size and years. The strong version names the largest change you shipped where nobody reviewed the design, what would have broken if you had been wrong, and what you were paged for. Get the level said out loud on this call, because the range and the loop both follow from it.
What to demonstrate
- Whether the scope in your own account maps onto a level the team actually has an opening at, so a mismatch ends the process cheaply rather than after four interviewers have spent a day
- Whether your title needs re-mapping: the same word describes very different amounts of independent decision-making at a twenty-person company and a ten-thousand-person one
- Whether your compensation expectation can be filled at that level in the structure the role pays in, which is why the number gets asked for before any engineer is scheduled
How to prepare
- Write down two changes from the last two years: the largest one you designed with nobody reviewing the design, and the largest one where someone more senior did. Lead with the first when scope comes up, and be ready to say which parts of the second were yours
- Ask which level the loop is calibrated to and what changes at the level above it, then plan your weeks from that answer rather than from the posting
- Settle a total-compensation range beforehand with the split named, base against bonus against equity and its vesting period, so a question about numbers gets a number instead of the word market
Coding Challenge
reportedMost of the time lost in this format is not lost to thinking. It goes to a standard-library call you half-remember, an off-by-one in a loop bound, and a debugging loop that mutates code at random until something passes. When output is wrong, stop re-reading the whole function: take the smallest input that reproduces it and walk the state through by hand, printing intermediates if the environment allows. Guessing at a fix without a failing case you understand is how a five-minute bug becomes twenty, and the clock does not pause while you do it.
What to demonstrate
- Whether you reach the right structure without a detour, and can write it from memory rather than only recall that one exists
- Whether overflow is considered where the language has fixed-width integers, since a signed 32-bit value stops at 2,147,483,647 and then wraps in Java, is undefined behaviour in C++, and does not arise in Python, whose integers grow instead
- Whether recursion depth is treated as a constraint on large inputs, given that CPython's default limit is 1000 frames and a deep recursion can exhaust the stack in any language where an iterative version would not
- Whether a failing case is isolated and explained before any edit is made to the code
How to prepare
- From an empty file and with no references open, implement the pieces you lean on most: a heap push and pop, an iterative DFS with an explicit stack, and a binary search whose midpoint is written lo + (hi - lo) / 2, which avoids the overflow that (lo + hi) / 2 can hit in a fixed-width integer type
- Time yourself on the ten library calls you look up most, such as sorting with a custom comparator, splitting and joining strings, and finding the next key at or above a value in an ordered map, until the lookup is gone
- Take a solution you know is broken and, before touching it, write one sentence naming the input, the expected value and the actual value. Repeat until you do it without deciding to.
Technical Discussions
reportedThe same problem is scored by two different mechanisms depending on the format, and preparing for one does not cover the other. With a person watching, partial progress is visible and a hint is a correction you can absorb; silence is the expensive failure, because nobody can read a half-written function. With an automated grader there is no partial credit for what you were about to do, nobody to ask, and the worked examples in the prompt are the entire specification. Read them as a contract, down to whether an empty result should be an empty list or no output at all.
What to demonstrate
- In a live session, whether your commentary tracks what your hands are doing, and whether a hint redirects you or gets defended against
- In an automated one, whether you cover the cases the examples do not show, since the hidden cases are where the score moves
- Whether you manage the clock on purpose: abandoning an approach that is not converging while there is still time to write something simpler that finishes
How to prepare
- Have someone hand you a problem and feed you one deliberately wrong hint. Practise testing it against a concrete case instead of accepting or rejecting it on authority.
- Do one timed run a week in a plain browser editor with autocomplete, linting and your own snippets switched off, which is closer to what these environments give you
- For the automated format, write the harness before the solution: a main that feeds the worked examples plus an empty and a single-element case and prints expected against actual, so a wrong submission is caught by you first
PracHub editorial advice for the preparation topics above.
Checking a quota with a select and then writing
Under read-committed isolation, two concurrent transactions both observe a count below the limit and both insert, so the limit is exceeded by exactly the concurrency. Repeatable read does not rescue it either: it provides a stable snapshot, and this is write skew, which snapshot isolation permits by design. The options are serialisable isolation, which detects the conflict and aborts one transaction with a serialisation failure and therefore obliges the caller to retry; a single statement with the predicate inside the write; or a constraint that makes the surplus insert fail outright. The reason this pattern survives review is that it is correct in every test that runs one request at a time.
One shared connection pool for every tenant and every query class
A single tenant with a large table and a missing index can occupy every connection with slow queries, and every other tenant then waits in connection acquisition -- a queue invisible in database metrics, because the database itself looks healthy while the application starves. Containment is bulkheads: separate pools or per-tenant concurrency caps for interactive requests, background jobs and exports, a statement timeout low enough that a pathological query dies before it accumulates, and an idle-in-transaction timeout so a stuck client cannot pin a connection and its locks indefinitely. One caveat worth knowing in advance: if a transaction-pooling proxy sits in front of the database, session-scoped behaviour changes, so session-level advisory locks and settings applied outside a transaction do not survive the way they do on a direct connection.
Abandoning working code to chase the optimal solution
Get the straightforward version correct, state its complexity, and only then optimise, keeping the working version until the faster one passes the same cases. A correct quadratic solution with a stated path to linear beats a half-written optimal one that never ran.
Going silent while thinking
Narrate the candidates and why you are discarding them, even in fragments: sorting first would make this a two-pointer scan, but it destroys the original indices, which the output needs. From the other side of the table, a candidate thinking hard and a candidate stuck are indistinguishable until one of them speaks.
Choose a category, try a prompt, then open its approach, worked solution or follow-up when you need it.
What is your opinion on Object-Oriented Programming (OOP)?
What is your opinion on Object-Oriented Programming (OOP)?
Approach
- Name the brute-force solution and its complexity before improving on it.
- Restate the input: its shape, its size, and what is guaranteed about it.
- State the target complexity and say which constraint rules the naive version out.
Follow-up
- How does this change if the input no longer fits in memory?
- Which test case would catch an off-by-one here?
Locate a billing reconciliation gap without rescanning ninety million events
A tenant's sealed invoice total is 0.4% below the sum of its raw usage_event rows for the period. That tenant has 90 million events over 30 days in a table partitioned daily on ingested_at, and its rollups carry source_max_ingested_at, revision and sealed_at. Recomputing all 30 days from raw is correct, and you are not going to do it. Give the procedure that locates the divergent (workspace, sku, hour) cell, the cost of each probe, and the one query you run before any of it.
Approach
- Run the free query first. Sum raw quantity for the period restricted to
ingested_at <= source_max_ingested_atof the sealed rollups, and compare that against the unrestricted sum. The rollup stores the watermark precisely so this can be answered without a scan. If the whole 0.4% sits above the watermark, nothing is broken: it is late data, it becomes an adjustment line, and the investigation ends in one query. - Only if the gap survives that test do you bisect, and you bisect by dimension rather than by rows. Compare 30 per-day totals, then inside the offending day compare the 6 SKUs, then the workspaces, then the 24 hours. That is roughly 30 + 6 + W + 24 grouped probes, each an indexed range scan over one daily partition for one tenant, against O(N) per attempt for the naive re-fold.
- Quantify why naive is not merely slow but unusable mid-incident: at a generous 200,000 rows/second sequential, 90 million rows is about 7.5 minutes per attempt, you will want ten attempts, and every one competes for I/O on the same partitions live ingest is writing. The diagnostic worsens the backlog it is diagnosing.
- Before fetching each comparison, state what it would look like under each hypothesis. Two adjacent hours off by equal and opposite amounts is
occurred_atversusingested_atbucketing. A whole day offset by exactly N hours is a timezone applied at the wrong layer. A gap confined to one SKU in one workspace is an environment filter. The same(tenant_id, idempotency_key)present in twoingested_daypartitions is the dedup horizon losing a retry that crossed midnight. - Make the next bisection cheap by storing the aggregate you keep recomputing. A per-
(tenant_id, ingested_day)count and quantity checksum turns step two from thirty probes into one read, and it is the same number the reconciliation job already produces. - Whatever you find, the sealed period does not change value. The correction is an adjustment line pointing at the line it reverses, carrying its own
source_rollup_watermark, because the original invoice is the evidence of what the customer was charged.
Worked solution 35 min
- Reproduce the shape locally: generate 2 million events for one synthetic tenant over 5 days, fold them, then inject three defects, namely 0.2% of events bucketed by
ingested_at, a handful of duplicateidempotency_keyvalues whose retries cross midnight, and a block of events ingested after the seal. - Write the watermark-bounded query first and record how much of the gap it explains on its own.
- Bisect by day, then SKU, then hour, recording the probe count and the rows each probe touches.
- For each located cell, write down the predicted signature before querying it, then check whether the data matches the prediction.
- Time a full re-fold of the 2 million rows and extrapolate to 90 million.
Follow-up
- The gap is 0.4% in one direction on one day and 0.4% the other way the next day. What does that shape rule in, and what does it rule out?
- How do you distinguish a duplicate from a restatement, given
revisionandrecomputed_aton the rollup? - Ingest is still running while you investigate. What makes your two numbers comparable at all?
Find peak concurrent sandbox usage from run intervals
Given up to 5 million job_run rows for one tenant over one day, with run_id, started_at, finished_at, status and wall_clock_limit_seconds, report the maximum number of sandboxes running at once, the earliest instant that maximum is reached, and the first run_id that would breach a per-tenant cap of C. started_at is null while a run is queued; finished_at is null both for runs still executing and for runs in status lost. Treat a run as occupying [started_at, finished_at). Give the complexity and state how you handle each null.
Approach
- Turn each run into two sweep events,
(started_at, +1)and(end, -1), then sort the 2n events by timestamp with-1ordered before+1at equal timestamps. That tie-break is what makes the interval half-open, so a run finishing at 10:00:00 and one starting at 10:00:00 never overlap. - Decide each null out loud before sweeping, because each choice moves the answer. A null
started_atmeans queued and contributes nothing. A nullfinished_atwith statusrunningorleasedis clipped to the window end. Statuslosthas no observed end at all, so clip it atstarted_at + wall_clock_limit_secondson the grounds that the supervisor owns the timeout, and record that you did. The table'scheck (finished_at is null or started_at is not null)guarantees you never see an end without a start. - Sweep once, maintaining a running counter, the maximum, and the timestamp at which the maximum was first attained (update
peak_atonly on a strict increase, or you will report the last such instant instead of the earliest). Capture the firstrun_idwhose+1takes the counter to C+1 during the same sweep rather than in a second pass. - Complexity: O(n log n) dominated by the sort, O(n) space. If rows already arrive ordered by
started_at, a min-heap of end times gives O(n log k) time and O(k) space with k the peak concurrency, which is the better shape when the rows come from an index scan on(tenant_id, started_at). - If second resolution is acceptable, counting-sort the endpoints into an 86,400-slot delta array and prefix-sum it: O(n + T) time and O(T) space, which beats the comparison sort at 5 million rows. It answers only at second granularity, so state which resolution the cap is defined in.
Follow-up
- Now report peak concurrency per tenant for 10,000 tenants from one globally sorted stream. What changes about memory and about the sort?
- The cap has to be enforced at dispatch rather than reported afterwards. What does the admission check look like, and where does it race?
- How would you answer 'peak concurrency within any 5-minute window' without re-sorting?
Decide which facts an invoice line copies instead of joining
invoice_line_item already denormalises tenant_id, which is reachable through invoice_id, and stores amount_minor even though quantity times unit_price_micros would recompute it. A reviewer asks you to normalise both away, and separately asks whether the tenant's legal name and billing address should be copied onto the invoice header. Decide each case. For every field you keep denormalised, name the read pattern or the invariant that justifies it, the anomaly the copy can develop, and the mechanism that prevents that anomaly here.
Approach
- Split the question into two kinds of copy, because they fail differently. A copy of a currently mutable fact is a cache: it drifts and needs invalidation. A copy of a fact frozen at write time is not a cache at all, it is the record of what happened, and normalising it away destroys information the source no longer holds.
- Keep tenant_id on the line. It costs 8 bytes, it leads every index on the table so no read is ever accidentally cross-tenant, and it turns a wrong join into an empty result rather than another tenant's money. Prevent the drift structurally: a unique constraint on invoice (invoice_id, tenant_id) plus a composite foreign key from the line on (invoice_id, tenant_id) makes a mismatched pair impossible, so the database enforces agreement instead of a code review.
- Keep amount_minor. Rounding must happen exactly once, at a named site, with a stated mode (half-even here). If readers recompute from quantity and unit_price_micros, every reader owns a rounding decision, and half-up and half-even diverge systematically across thousands of lines rather than cancelling out. A check constraint can bound the stored value but deliberately cannot re-derive it.
- Copy the legal name and billing address onto the invoice header, written once and never updated. The statement must show what was true when it was sealed, and the tenant record will change afterwards. This is a snapshot for the same reason
source_rollup_watermarkis stored per line: without it, nobody can reconstruct what the customer was told. - Name the read pattern that pays for all of it. Rendering, dispute response and export are per-tenant, per-period reads over thousands of lines that would otherwise join back to slowly changing dimensions that no longer hold the historical value. The write side is a once-per-period batch, so the extra columns cost nothing that matters.
- Concede the case where the reviewer is right: a mutable operational attribute such as the tenant's current plan name has no business on a line. If a report wants it, join. If a statement needs the plan as of the period, that is another snapshot and it belongs on the header with the rest.
Follow-up
- Write the composite foreign key and the unique constraint it requires on the parent. What does it cost on every line insert, and what does it do to a bulk load?
- A tenant is renamed after being invoiced. Which rows change, and what does the customer see on last quarter's PDF?
- Where does currency live, and what breaks if a tenant's billing currency changes between two periods?
Paginate a tenant's delivery export without skipping rows
A customer exports webhook_delivery: delivery_id (bigint identity), subscription_id, tenant_id, event_id, status, attempt_count, next_attempt_at, created_at, delivered_at, updated_at. The endpoint runs select ... where tenant_id = $1 order by created_at desc limit 100 offset $2, and customers report rows missing from exports taken while new deliveries are being inserted. Write the replacement query and the index that supports it, paging a tenant's deliveries newest first at constant cost per page. State why updated_at cannot be the cursor column.
Approach
- Name the defect precisely. OFFSET is a position in a result set that is recomputed on every request, so a row inserted ahead of the window shifts everything back by one and the next page starts after a row the client never received. Nothing errors and no identifier gap appears, so the loss is silent.
- Replace the position with a value predicate over a stable, unique, indexed ordering:
where tenant_id = $1 and (created_at, delivery_id) < ($2, $3) order by created_at desc, delivery_id desc limit 100. The row comparison is load-bearing: created_at alone is not unique, so ties straddling a page boundary are dropped or repeated, which is the same bug in a smaller window. - Index
(tenant_id, created_at, delivery_id). PostgreSQL scans a btree in either direction, so an all-DESC ORDER BY is served by an ASC index read backwards and no DESC modifiers are needed; they only matter when the ORDER BY mixes directions. Confirm the plan has no Sort node above the index scan, or the LIMIT stops being an early exit. - Price both forms: keyset is one index descent plus 100 adjacent leaf entries per page, constant regardless of depth, while OFFSET still produces and discards every skipped row, so page N costs time proportional to N times the page size and a deep page on a large table goes from milliseconds to seconds.
- Rule out updated_at as the cursor from the precondition, not from taste: a cursor column must never change value for a row already paged past. updated_at moves on every delivery attempt, so a row the client already emitted re-enters a later page and is exported twice. created_at and delivery_id are immutable, which is the whole qualification.
Worked solution 20 min
- Load about 50k deliveries for one tenant, then walk them with the OFFSET query while a writer inserts 10 rows/second, collecting every returned delivery_id.
- Compare the distinct ids collected against the set of ids that existed when the walk started, and record the shortfall.
- Repeat the walk with the keyset query and confirm every pre-existing id is returned exactly once.
- Run
explain (analyze, buffers)on page 1 and page 500 of each form and compare shared buffer hits.
Follow-up
- The client wants a snapshot as of one instant rather than a live tail. Compare a repeatable-read transaction held open, an added
created_at <= $snapshotbound, and a materialised export table. - A retention job deletes deliveries older than 90 days. What does a client mid-walk see, and does keyset pagination help at all?
- The customer wants to resume an export from yesterday's last cursor. What must be true of the cursor for that to be safe?
Webhook fan-out with per-endpoint isolation and backoff
One domain event fans out to every matching subscription, producing a webhook_delivery row per (subscription_id, event_id, redelivery_seq). Peak unique event rate is 20k/second; attempts run five to ten times that once fan-out and retries are counted. One customer endpoint has returned 503 for six hours and its backlog holds days of events; every other customer must be unaffected. Design the delivery system: how a worker claims work, the backoff schedule, the per-endpoint circuit breaker, the queue partitioning, and whether you offer ordering per subscription. State the delivery guarantee in one sentence.
Approach
- State the guarantee first, because it determines the rest: at-least-once with a stable event_id, and the consumer documented as responsible for idempotency. Exactly-once over HTTP is not deliverable - the 200 can be lost after the customer has already committed - so any design that promises it is either lying or is really offering at-most-once.
- Partition work per subscription rather than into one global pool, with a concurrency cap per subscription. With a shared pool, the endpoint that has been dead for six hours consumes workers on retries that will fail, and every other customer's delivery latency rises: head-of-line blocking across tenants is the exact failure being designed against here.
- Claim by compare-and-set with a fencing token: UPDATE webhook_delivery SET status = 'in_flight', lease_token = $new, leased_until = now() + interval '60 seconds' WHERE delivery_id = $1 AND status IN ('pending','failed_retryable') AND (leased_until IS NULL OR leased_until < now()), and make the terminal write carry AND lease_token = $new so a paused worker's late write is rejected rather than overwriting a newer attempt. Find due work through the partial index on next_attempt_at WHERE status IN ('pending','failed_retryable'), so the scan is proportional to live rows rather than to the terminal rows that outnumber them by orders of magnitude.
- Use full jitter: sleep uniformly in [0, min(cap, base x 2^(attempt-1))]. Plain exponential backoff hands a recovering endpoint its entire backlog as one synchronised herd and knocks it over again; full jitter de-correlates it. Then check the schedule actually spans the retention you promise - with base 1 s and a 3,600 s cap, twenty attempts have an expected total elapsed time of only about 4.6 hours, so a twenty-four-hour promise needs roughly fifty-nine attempts or a larger cap.
- Trip a circuit per endpoint on consecutive failures or a failure ratio over a rolling window: stop dispatching, push next_attempt_at out or mark new deliveries dropped_circuit_open, and half-open with exactly one probe rather than a batch. Bound the backlog explicitly with a per-subscription cap or retention, and decide in advance whether a recovered endpoint receives six hours of events at full rate or a pointer telling it to fetch what it missed.
- Offer ordering only as an opt-in mode of one in-flight attempt per subscription, and price it honestly: with parallel attempts a retried event overtakes a newer one, so ordering requires serialisation, and serialisation means one slow endpoint blocks its own queue entirely. That converts a shared problem into that customer's own problem, which is the right place for it, but it is still a real cost.
Follow-up
- The endpoint recovers. Does it receive six hours of events at full rate, and what does that do to it?
- Trace the exact code path by which an event belonging to one tenant could be signed and sent to another tenant's endpoint.
- A customer insists they never received an event your row marks delivered. What evidence do you have, and what does payload_digest let you prove?
Design a machine-readable error contract for the gateway
The edge gateway serves roughly 30k requests/second to SDKs and CI pipelines that retry automatically. Today every failure returns 500 with a prose message that clients string-match on. Design the error contract: the response body fields, and the status code for a malformed body, a revoked credential, a scope the credential lacks, a row belonging to another tenant, a reused idempotency key sent with a different body, an exceeded rate limit, and an unreachable dependency. For each, state whether the client may retry and on what schedule. Deliverable: the envelope schema plus the status-to-retry table.
Approach
- Split the envelope by audience: a stable
codestring for programs, amessagedocumented as human-only and free to change, arequest_idthat joins to gateway logs, and adetailsarray for per-field problems. The code list is an enum that only ever grows. - Assign status by who has to change something: 400/422 for the caller's bytes, 401 for a credential that no longer authenticates, 403 for a scope or entitlement, 404 rather than 403 for a row in another tenant because 403 confirms the identifier exists, 409 for an idempotency conflict, 429 for a limit, 503 for a dependency.
- Derive retryability from the method and the idempotency key rather than from the status: a 5xx or a timeout is an unknown outcome, not a failure, so GET/PUT/DELETE may be retried under HTTP semantics and POST only when it carries an idempotency key.
- Put the schedule in the response: Retry-After on 429 and 503 overrides the client's own backoff; otherwise capped exponential backoff with full jitter, sleeping uniformly in [0, min(cap, base * 2^attempt)], bounded by a total attempt budget so retries expire before the caller's deadline.
- Write the negative rules into the published contract: clients must never parse
message, must tolerate unknowncodevalues by falling back to the status class, and a code's meaning is never redefined once shipped.
Worked solution 20 min
- Write the envelope as a JSON schema with four top-level fields and say which are guaranteed present on every error.
- Fill a seven-row table: condition, status, code string, retryable yes/no, and the schedule or the reason retrying cannot help.
- For each non-retryable row, write the one thing the caller must change (bytes, credential, plan, key) so nothing is marked non-retryable without a remedy.
- Add the unknown-outcome row for timeouts and 5xx separately from the other rows, and give it an action other than 'treat as failed'.
- Write two sentences of client guidance: honour Retry-After when present, apply full jitter otherwise, and stop at the attempt budget.
Follow-up
- A customer reports they retried a 500 from POST /v1/runs and ended up with two sandboxes billed. Whose bug is it, and what in your contract permits their reading?
- You need to add a new error code next quarter without a version bump. What did the v1 contract have to say for that to be non-breaking?
Gateway p99 spikes on a five-minute cadence
edge-gateway caches each credential-to-authorisation-context decision for five minutes. p99 sits at 6 ms except for a spike to 900 ms roughly every five minutes, worst in the region with the most pods, and control-plane CPU and read latency rise in step with it. The error rate stays near zero. Customers are told a revoked credential stops authorising within 60 seconds. Give the ordered checklist that identifies the mechanism, and a fix that removes the spike without weakening the 60-second bound.
Approach
- Test periodicity before anything else: take the spike timestamps modulo the TTL in seconds. A tight cluster at a fixed offset means expiry phase, while traffic-driven spikes scatter.
- Overlay pod start times. Entries filled at first request inherit the phase of the pod that filled them, so a cohort of pods deployed together expires together and the amplitude should track cohort size rather than tenant count.
- Separate a herd from a capacity shortfall by measuring control-plane requests per second during a spike against baseline. A stampede shows a step of roughly (pods x hot keys) for one interval with hit rate collapsing to near zero, not a gradual climb that would indicate the dependency is simply undersized.
- Apply three independent controls: randomise each key's TTL by a factor drawn uniformly from something like 0.8 to 1.0 so cohorts de-phase; coalesce concurrent misses per key per pod so exactly one refresh is in flight; and serve the stale value while that refresh runs so a miss costs the stale read rather than the dependency's queue.
- Bound staleness against the published contract rather than against comfort: serve-stale is admissible only up to the 60-second revocation bound, so the TTL floor and the stale window together must stay inside it, and the published invalidation must delete the entry rather than schedule a refresh.
- Decide in advance what a miss does when the control plane is unreachable, because that is now the only uncached path: failing closed converts a dependency outage into a total outage, while extending stale service past the bound breaks the revocation promise. Pick one and configure it explicitly.
Follow-up
- Publish-subscribe invalidation is lossy under a partition. Given that, what actually enforces the 60-second bound, and what number would you put in the contract if asked to defend it?
- One tenant's key is hot enough that a single pod's coalesced refresh still matters. What changes?
- Would a shared cache tier in front of the control plane help or shift the problem, and what new failure does it add?
For a candidate senior enough that the loop turns on design and judgement rather than on whether the coding round gets finished. Five days build one system properly and then stress it; coding gets a single maintenance day, on the assumption that the risk at this level is an unexamined tradeoff rather than a missed algorithm.
Prepare, practise & reflect
One practical outcome each day. Spend longer where you need it.
0 / 7 done01Numbers before diagrams
- Build your own reference card of the figures you will re-derive all week: bytes for a realistic record, requests per second implied by a given daily active count, and the storage that a year at a given write rate produces. Derive each one rather than copying it, because the derivation is what survives a follow-up.
- Turn one product statement into capacity requirements. From ten million daily users at four writes and forty reads each, state the peak-to-average factor you are assuming and why, then produce peak write QPS, peak read QPS and a year of storage.
- Write the two numbers whose order of magnitude changes the design, the read-to-write ratio and the working-set size against memory per node, and state the threshold at which each one flips your answer.
Deliverable: A one-page numbers card and one worked capacity estimate with every assumption written down.
Practice prompt ↗Practice prompt ↗Worked solution ↗02One system, from requirements to schema
- Spend the first ten minutes producing only functional requirements, non-functional targets with numbers attached, a p99 latency, a durability expectation, a consistency requirement, and an explicit out-of-scope list.
- Define the interface before the boxes: the three or four endpoints, their parameters, what each returns, and which of them are idempotent.
- Write the data model, then write the single access pattern that justifies it, and state what the schema would have to become if the dominant access pattern were the other one.
Deliverable: One design carried to endpoint-and-schema depth, with non-functional targets expressed as numbers and a written out-of-scope list.
Practice prompt ↗Practice prompt ↗03The consistency you are actually buying
- Write out what a client sees under asynchronous replication when its write commits on the leader and its next read is served by a lagging follower, then write the two fixes, pinning that session's reads to the leader for a bounded window or carrying a version token the replica must reach, and the cost of each.
- Work the quorum arithmetic on paper for N of three with W and R of two, and separate what R + W > N does guarantee, that any read set intersects any write set, from what it does not: on its own it is not linearizability, and a sloppy quorum that accepts writes on nodes outside the preference list breaks even the intersection.
- Take two storage choices with different defaults, a single-leader relational store committing synchronously and a quorum-replicated store that converges eventually, and write the specific product behaviour that would be wrong under each, rather than a general statement about which is stronger.
Deliverable: A page separating what quorum overlap guarantees from what it does not, with one concrete product misbehaviour attached to each gap.
Practice prompt ↗Practice prompt ↗04Failure is the design
- For one write path, work through the case where the client times out after the server has already committed, then design the idempotency key: who generates it, how long it is retained, and what the duplicate request returns.
- Express the retry policy as parameters rather than as a word: maximum attempts, base delay, backoff factor, jitter, and which error classes are retried at all. Then state why retrying a non-idempotent write without a key is a correctness bug and not merely waste.
- Compute the fan-out effect on tail latency. If a request waits on ten backends and each independently exceeds its p99 one percent of the time, the chance at least one is slow is 1 - 0.99^10, about ten percent. Then write why independence is the optimistic assumption and what correlates them in practice.
- Name the backpressure mechanism for one queue or one dependency in the design, a bounded queue with shedding or a concurrency limit, and write what the caller is told when it engages.
Deliverable: One write path with an idempotency design, a parameterised retry policy, and a written tail-latency calculation with its assumption named.
Practice prompt ↗Practice prompt ↗Worked solution ↗05Scaling the hot path
- Choose cache-aside or write-through for one read path and write the staleness window each produces, then name the invalidation event and what the system does when that event is lost.
- Design against the stampede: either coalesce requests so only one recomputes a missing key, or refresh early with jittered expiry, and write why identical TTLs on keys populated in the same moment produce a synchronised expiry and a thundering herd.
- Shard one table by a key you choose, then answer the two questions that break the choice: which queries now require a scatter-gather, and what happens to the distribution when one tenant is a hundred times larger than the median.
- Write the cost of adding a node under plain modulo placement, where nearly every key moves, against consistent hashing, where roughly one key in n+1 moves, and state what virtual nodes are for.
Deliverable: A caching and sharding decision for one path, each with its failure mode and its rebalancing cost written beside it.
Practice prompt ↗06Keep the coding hand in, at the bar that applies to you
- Solve one medium problem in thirty minutes, then spend twenty more making it production-shaped: named invariants, validation at the boundary, and errors that distinguish a caller mistake from an internal fault.
- Write the tests you would require of a colleague's version of that function: one for empty input, one for the boundary, and one for the case the implementation is most likely to get wrong.
- Read a piece of your own code from six months ago and write the change you would ask for, phrased as you would actually phrase it in review.
Deliverable: One problem hardened to review standard, with its test list and one written review comment.
Practice prompt ↗07Defend it while being interrupted
- Run a forty-five-minute design mock with an interviewer briefed to change a requirement halfway, a tenfold traffic increase or a new strict consistency requirement, and to push on one number you estimated.
- Rehearse the two sentences a senior loop is listening for: naming the tradeoff you are choosing against and why, and saying what you would measure to learn that the choice was wrong.
- Prepare the design you regret: a real decision, the constraint that produced it, what it cost, and what you changed afterwards.
Deliverable: Mock notes recording how the design changed under the new requirement, plus a written account of one regretted decision.
Practice prompt ↗Worked solution ↗Expand any day for tasks and deliverables. Your progress is saved on this device.
Bring the two or three numbers the story rests on and know how they were collected. A p99 whose timer starts inside your handler excludes the time a request spent queued, so it can sit flat while users wait longer. Give the window, the percentile and what the measurement left out, or drop the number.
Why do you want to work at the Phoenix Group (the parent organization …
Why do you want to work at the Phoenix Group (the parent organization of Standard Life)?
Approach
- State the situation in two sentences and spend the rest on the reasoning.
- Name the disagreement and how you resolved it with evidence.
- Pick a story where you made the decision, not one where you watched it.
Follow-up
- What would you do differently if you ran that again?
- How did you know your change caused the improvement?
Tell me about your current situation and your last role.
Tell me about your current situation and your last role.
Approach
- State the situation in two sentences and spend the rest on the reasoning.
- Close with what you would do differently, concretely.
- Name the disagreement and how you resolved it with evidence.
Follow-up
- What would you do differently if you ran that again?
- How did you know your change caused the improvement?
Ship metered billing with a named deduplication horizon
Metered billing must be on in three weeks. usage_event is partitioned daily, so its unique index must include the partition key and deduplicates only within a day: a producer retry that crosses midnight, or a replay run a week later, gets through. A cross-partition dedup store is two weeks you do not have. Describe shipping with debt you named in advance: what you shipped, what you wrote down, the detector you added, the trigger and date for paying it off, and what you would have refused to ship under the same pressure.
Approach
- Show you can separate the two kinds of debt, because that distinction is what the question actually probes. Debt that costs engineering time later is shippable on a deadline. Debt that silently corrupts a number a customer gets charged for is not shippable unless the corruption is detectable, and detectability is the whole negotiation.
- Make the exposure narrow and measured rather than gestural. The hole is duplicates whose occurrences straddle a UTC day boundary, plus any replay older than partition retention. Measure it before arguing about it: how often an idempotency_key recurs at all, and the distribution of the gap between first and last occurrence. If the ninety-ninth percentile of that gap is four minutes, the residual risk is a small band around midnight and you can say so numerically.
- Add the detector before the feature, not after. A nightly job counting keys that appear in more than one partition is one grouped scan over recent partitions, and it converts a silent overcount into a page. State what it costs to run and what it fires on.
- Buy the cheap half of the real fix immediately: extend partition retention so the dedup horizon exceeds the producer's maximum retry window plus the longest replay you intend to support. That reframes retention as a correctness parameter rather than a storage cost, which is the sentence you need on record before someone optimises the bill.
- Make repayment mechanical instead of aspirational: a dated entry with a named owner, plus a threshold that pulls the date forward — first detector hit above N events, or first customer dispute. Debt with a trigger gets paid; debt with only a date does not.
- Answer the second half honestly by naming what you would refuse under identical pressure: the sealing path, because a sealed row is frozen and a wrong number there stops being a bug and becomes an adjustment line, a dispute and an audit question.
Follow-up
- The detector fires on forty duplicate events for one tenant, and two of their invoices have already sealed. What happens next?
- Whom did you tell that the billing numbers had a known hole, and in what words?
- Finance asks you to cut storage by shortening partition retention. What do you say, and to whom?
- 01
Why do you want to work at the Phoenix Group (the parent organization of Standard Life)?
- 02
Tell me about your current situation and your last role.
- 03
Metered billing must be on in three weeks. usage_event is partitioned daily, so its unique index must include the partition key and deduplicates only within a day: a producer retry that crosses midnight, or a replay run a week later, gets through. A cross-partition dedup store is two weeks you do not have. Describe shipping with debt you named in advance: what you shipped, what you wrote down, the detector you added, the trigger and date for paying it off, and what you would have refused to ship under the same pressure.
Is this an official Standard Life interview guide?
No. It is PracHub's own research and practice material for the Software Engineer role at Standard Life. Rounds and questions reflect what candidates have reported, not a process Standard Life has published, and they change over time. Confirm the current format and scope with your recruiter.
PracHub interview research ↗How difficult is the technical assessment?
The assessment is of average difficulty. It focuses on your ability to apply standard computer science knowledge to practical tasks, so focus on reviewing fundamentals rather than memorizing complex trivia.
PracHub interview research ↗How can I differentiate myself?
Successful candidates are those who communicate their thought process clearly while coding. Don't just provide the correct answer; explain why you chose a particular approach over others.
PracHub interview research ↗What is the company culture like?
Standard Life values professionalism, collaboration, and a long-term perspective. Candidates report that interviewers appreciate engineers who take ownership of their work and care about the end-user experience.
PracHub interview research ↗How long does the process take?
The timeline can vary based on system processing and team availability, but typically spans a few weeks from the initial recruiter screen to the final decision.
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 Software Engineer 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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