You are a Staff Data Scientist analyzing a time series metric for a payments/fintech product.
Data: Daily (or weekly) time series from Jan 2013 to Jan 2015.
-
Metric shown is a
rate
(e.g.,
credit card approval rate
or
conversion rate
).
-
There is a noticeable
dip around Feb 2013
, a
small surge around Nov 2013
, and then
sustained growth starting around Jan 2014
.
Task:
-
List the most plausible explanations for the
Feb 2013 dip
,
Nov 2013 surge
, and
Jan 2014 growth
, including both
product/business causes
and
data/measurement issues
.
-
Because the metric is a
ratio
, explain how you would decompose and diagnose changes by separately analyzing:
-
Numerator
(e.g., approved applications / conversions)
-
Denominator
(e.g., total applications / eligible sessions)
-
Any changes in the
mix
of traffic/users/applications
-
Propose a concrete investigation plan:
-
What slices/segments would you break down by (examples: channel, geo, device, risk tier, issuer/bank, new vs returning)?
-
What supporting metrics would you pull?
-
How would you distinguish
seasonality
,
one-off shocks
, and
true causal impact
from a launch or policy change?
State any assumptions you need to make (e.g., timezone, aggregation cadence, definition of approval, logging stability).