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Analyze aggregator lender page flows

Last updated: Mar 29, 2026

Quick Overview

This question evaluates a candidate's competency in analytics instrumentation, cross-domain attribution under identity/cookie loss, experimentation design, precise metric specification, and detection of partner cannibalization for a loan-comparison product.

  • hard
  • Upstart
  • Analytics & Experimentation
  • Data Scientist

Analyze aggregator lender page flows

Company: Upstart

Role: Data Scientist

Category: Analytics & Experimentation

Difficulty: hard

Interview Round: Technical Screen

A comparison page (like NerdWallet) lists multiple loan providers (e.g., SoFi, Upstart). You must assess user behavior and partner performance across two application flows: (A) users complete an on-site prequalification/application module; (B) users click out to a partner's flow. Design a plan to: (1) instrument the page and both flows end-to-end (identify all events, ids, cross-domain tracking, and how to stitch sessions to partner outcomes under ITP/cookie loss); (2) define success metrics and guardrails for the page and for each partner (e.g., CTR-to-partner, on-site completion rate, qualified rate, funded-loan rate, revenue per session), with precise numerator/denominator definitions; (3) generate three non-obvious insights from the visible differences in partner info (e.g., APR ranges, fees, eligibility messaging) and hypothesize how they could shift user mix and downstream funding; (4) propose an experiment to compare on-site vs click-out entry points for a given partner, including experimental unit, randomization, stratification, sample-size/power assumptions, pre-registered decision rule, and how to mitigate selection bias and attribution mismatches; (5) outline how you'd measure partner cannibalization and mixed-traffic contamination across listings (e.g., user revisits, tab hoarding, last-click bias). Provide specific event names, join keys, and a minimal metric table schema you would create to drive weekly reviews.

Quick Answer: This question evaluates a candidate's competency in analytics instrumentation, cross-domain attribution under identity/cookie loss, experimentation design, precise metric specification, and detection of partner cannibalization for a loan-comparison product.

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Upstart logo
Upstart
Oct 13, 2025, 9:49 PM
Data Scientist
Technical Screen
Analytics & Experimentation
2
0

Loan Comparison Page: Instrumentation, Metrics, Insights, Experiment, and Cannibalization

Context

You own a loan comparison page (similar to NerdWallet) that lists multiple providers (e.g., SoFi, Upstart). Users can:

  • Flow A: Complete an on-site prequalification/application module.
  • Flow B: Click out to a partner and complete the flow on the partner site.

You need to measure user behavior and partner performance across both flows, attribute downstream outcomes despite ITP/cookie loss, and design experiments and reporting.

Tasks

  1. Instrument end-to-end
  • Identify all events and IDs for the page and both flows.
  • Specify cross-domain tracking and session stitching to partner outcomes under ITP/cookie loss.
  1. Define success metrics and guardrails
  • For the page and for each partner, provide precise numerator and denominator definitions (e.g., CTR-to-partner, on-site completion rate, qualified rate, funded-loan rate, revenue per session).
  1. Generate three non-obvious insights
  • Based on visible differences in partner info (APR ranges, fees, eligibility messaging), hypothesize how user mix and downstream funding could shift.
  1. Propose an experiment
  • Compare on-site vs click-out entry points for a given partner. Include experimental unit, randomization, stratification, sample-size and power assumptions, a pre-registered decision rule, and approaches to mitigate selection bias and attribution mismatches.
  1. Measure cannibalization and contamination
  • Outline how to measure partner cannibalization and mixed-traffic contamination across listings (user revisits, tab hoarding, last-click bias). Provide specific event names, join keys, and a minimal metric table schema to drive weekly reviews.

Solution

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