Interview guides · Moody's

Moody's Software Engineer Interview Guide

API design practice for Moody's software engineer candidates: compatibility, versioning, and changes you cannot take back.

The 60-second brief

As a Software Engineer at Moody's, you will build and scale the global financial infrastructure that underpins credit ratings, risk analytics, and financial intelligence worldwide. Moody's is actively transforming how global markets evaluate risk by integrating cloud-native architecture, advanced data pipelines, and cutting-edge artificial intelligence into its core product suites. Engineers in this role sit at the intersection of enterprise software engineering and sophisticated financial modeling, building platforms that process massive volumes of market data with absolute precision, security, and low latency.

Find out what you will be typing into. A shared plain-text editor with no autocomplete, compiler or test runner changes what you have to hold in your head, and practising inside your own configured environment hides exactly that gap.

Focus areas

Bound blast radius with per-tenant concurrency limits
Make every write idempotent under client retries
Build at-least-once pipelines with explicit deduplication horizons

Overview

Your work directly impacts global financial institutions, corporations, and government entities that rely on Moody's risk assessments to make high-stakes capital decisions. Whether you join the Corporate Systems group, the Ratings technology team, or specialized enterprise product organizations, you will be responsible for building resilient microservices, designing cloud infrastructure on AWS or Azure, and engineering user-centric web applications. The software you deliver must adhere to strict security, compliance, and performance standards while maintaining high availability across distributed global systems.

This position offers a compelling challenge for software engineers who want to solve complex distributed systems problems while developing domain expertise in risk analytics and financial technology. Moody's values rigorous engineering discipline, technical curiosity, and collaborative execution. You will work alongside cross-functional teams of product managers, quantitative analysts, data scientists, and cloud architects to turn complex analytical requirements into reliable, production-grade software.

The Moody's interview process

Moody's candidates report 4 rounds · ≈ 3-5 weeks. The stages below are what candidates describe, not a published process.

HR Screening Call

Before 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

Online Coding Assessment

Input bounds are the part of the prompt most often skimmed, and they usually contain the answer. They tell you which complexity class is admissible, which narrows the search before you have thought about the problem itself. As a rough planning figure, a compiled language does on the order of 10^8 simple operations per second and an interpreted one roughly an order of magnitude less. So n up to about twenty admits enumerating subsets, a few thousand admits a quadratic pass, and a million admits neither: you need near-linear, or linear with a log factor. If the bounds are missing, ask for them.

What to demonstrate

Whether the approach is justified by the stated input size rather than by whichever pattern you recognised first
Whether you ask about the properties that change the algorithm: whether the input arrives sorted, whether duplicates occur, whether values are bounded integers, whether it all fits in memory
Whether you can name the bottleneck in your own solution and what would remove it, even when you deliberately leave it in place
Whether a claimed speedup is real, since memoising a recursion only helps when subproblems genuinely overlap and the state can be keyed cheaply

How to prepare

For each algorithm you rely on, write down the largest n it handles in roughly a second, then check two of those figures by timing them in the language you will actually type in
For two weeks, write one line naming your target complexity and the bound that justifies it before you write any code, then compare that line with what you ended up submitting
Practise the conversion backwards: given a required O(n log n), list the mechanisms that get you there (sorting, a heap, an ordered map, divide and conquer) and choose by what the problem needs to query, not by what you used last

Interactive Technical Rounds

Most 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.

Final Interviews

Where the day includes a partner from product, design or data, that conversation is weighted like the technical ones and prepared for least. They are deciding one thing: whether having you in the room makes their decisions cheaper. That means options with costs attached, not implementation detail and not "it depends". An estimate someone can plan against — a range, the assumption that would push it to the high end, and what you would drop to hit the low one — is worth more than a confident single number, which everyone present already knows is wrong.

What to demonstrate

Whether an estimate comes as a range with the assumption most likely to break it, and states what a specific scope cut would actually buy
Whether a technical constraint is handed over as a choice with consequences on their side, rather than as a verdict they have no standing to argue with
Whether you establish what decision is on the table before proposing anything
Whether risk is raised while it can still change the plan, with the trigger that would confirm it, instead of reported afterwards as a slip

How to prepare

Take a project that shipped late and write the two-sentence warning you could have given three weeks earlier, naming what you would have needed decided at that point
Rehearse one estimate out loud until it arrives in three parts: the range, the single assumption that would blow it, and the smallest thing you would cut to protect the date
Rewrite an objection you have actually made — the "we can't do that" version — as two options with their costs, so the choice ends up with the person who owns it

Where candidates lose points

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.

Quoting amortised or average cost as if it were a worst-case guarantee

Appending to a dynamic array is amortised O(1), but the append that triggers a resize copies every element, and hash lookup is constant only while the hash spreads the actual keys. Say which guarantee you are offering when the caller cares about the latency of one call rather than the total over many.

Listing technologies instead of trade-offs

Name the property the design needs first, such as ordered range scans, multi-entity transactions, cheap appends, or a predictable p99, then pick something that provides it and say what it gives up in exchange. Almost any component is defensible once you state the requirement it satisfies and the one it sacrifices.

Questions & practice

Perform string manipulation and array filtering tasks with optimal time and space complexity.

Medium · data structures and algorithms

Approach

Name the brute-force solution and its complexity before improving on it.
Walk one small example through your approach before writing the whole thing.
Restate the input: its shape, its size, and what is guaranteed about it.

Follow-up

How does this change if the input no longer fits in memory?
Which test case would catch an off-by-one here?

Implement and traverse binary trees, such as finding the top view or boundary view of a tree.

Medium · data structures and algorithms

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

What is the worst case, and how likely is it on real data?
Which test case would catch an off-by-one here?

Solve the overlapping intervals problem (e.g., merging or inserting time/data intervals).

Medium · data structures and algorithms

Approach

State the target complexity and say which constraint rules the naive version out.
Restate the input: its shape, its size, and what is guaranteed about it.
Name the brute-force solution and its complexity before improving on it.

Follow-up

Which test case would catch an off-by-one here?
How does this change if the input no longer fits in memory?

Fold a deduplicated usage stream into hourly rollups

Easy · aggregation · deduplication · watermarks · exact-arithmetic

You are given one day of usage_event rows, up to 250 million, each carrying event_id, tenant_id, workspace_id, environment, sku, quantity numeric(20,6), idempotency_key, occurred_at and ingested_at. Produce usage_rollup_hourly cells keyed (tenant_id, workspace_id, sku, hour_start) with quantity_sum, event_count and source_max_ingested_at. An event counts once per (tenant_id, idempotency_key). The rollup grain has no environment column, so state your filter. One pass. Give your time and space bounds, and say what the deduplication actually costs in memory.

Approach

Bucket on occurred_at, never ingested_at: hour_start = date_trunc('hour', occurred_at at time zone 'UTC'). The two columns answer different questions. occurred_at says which hour the customer is billed for; ingested_at says how current the fold is. Using the second for the first makes late data invisible instead of correctable.
The fold is trivial and the deduplication is the entire cost, so price it before designing anything clever. An exact set over (tenant_id, idempotency_key) at 250M entries, stored as a 16-byte 128-bit hash in an open-addressed table at 0.7 load factor, needs about 357M slots at 16 bytes each, roughly 5.7 GB. The fix is partitioning by hash(tenant_id) % P so each shard holds 1/P of the set and no tenant's keys straddle shards.
Rule out a Bloom filter as a replacement, in the right direction: a false positive reports 'already seen' for an event never seen, so you drop a real event and lose revenue with no error raised. It is usable only as a negative pre-filter in front of the exact set, where a miss is conclusive and a hit must fall through to the real lookup.
Accumulate in scaled integers, not binary floating point. numeric(20,6) admits values below 10^14, so one event scaled to micro-units can reach 10^20, past int64's 9.22 x 10^18; use a 128-bit or arbitrary-precision accumulator unless you first bound the per-event maximum. binary64 represents integers exactly only to 2^53, about 9.01 x 10^15, and cannot represent 0.1 at all, so two runs that sum in different orders disagree.
Carry source_max_ingested_at = max(ingested_at) over the events folded into each cell, and count event_count over accepted, post-dedup events. Without that watermark there is no way to prove later what a number did and did not include, which is the first question any reconciliation asks.
State the environment filter explicitly, because the rollup grain cannot record it. A fold that quietly includes staging bills non-production traffic; one that quietly excludes it loses a cost signal. Production-only is the billing answer, and either way it belongs in the job name and the output metadata. Complexity: O(n) time, O(distinct dedup keys) space, dominated by the dedup set rather than by the cells.

Worked solution (25 min)

Write both key tuples down before any code: dedup key (tenant_id, idempotency_key), cell key (tenant_id, workspace_id, sku, hour_start), with hour_start derived from occurred_at in UTC.
Build a 10,000-row fixture containing one event duplicated three times under the same idempotency_key, two events sharing an idempotency_key across different tenant_id values, one event whose occurred_at is two hours before its ingested_at, and one staging event inside an otherwise production cell.
Fold it and assert each of those four expectations separately rather than eyeballing a grand total.
Re-run with the input shuffled and diff the output files.
Size the dedup set for 250M keys using the load-factor arithmetic and write the number down next to the fixture.

Expected result: The triplicate contributes one event and its quantity once. The two same-key, different-tenant events both count, because the dedup key is the pair. The late event lands in the hour of its occurred_at while that cell's source_max_ingested_at advances to the later timestamp. The staging event is included or excluded per the stated filter and never silently.

Verify it yourself

Shuffled input produces byte-identical cells, including event_count and source_max_ingested_at.
The sum of quantity_sum across all cells equals the sum of quantity over the distinct dedup keys, computed independently.
Swapping the accumulator to binary64 makes a fixture of 0.1-valued quantities disagree with the exact sum. That is a failing test, not a rounding note.

Follow-up

A producer retries at 23:59:59 and the retry lands at 00:00:01. The unique index on the daily-partitioned table must include the partition key. What gets double-counted, and what is the smallest change that fixes it?
The consumer acknowledges its batch before committing the fold. Which failure loses revenue now, and which arrangement duplicates instead?
What makes a re-run over the same day produce byte-identical rollups?

Explain why the metering dashboard scans every daily partition

Medium · indexing · partition pruning · sargability · tenant skew

usage_event is range-partitioned daily on ingested_at and holds tenant_id, workspace_id, environment, sku, quantity numeric(20,6), occurred_at and ingested_at. The only relevant index is on (occurred_at). A dashboard runs select sku, sum(quantity) from usage_event where tenant_id = $1 and date_trunc('hour', occurred_at) >= $2 and environment = 'production' group by sku, and EXPLAIN shows a sequential scan of every partition. Give each distinct reason, rewrite the predicate so an index can serve it, propose the index, and state the write cost its column order adds.

Approach

Separate the three causes rather than blaming one. First, date_trunc('hour', occurred_at) wraps the column, so the predicate is not sargable against a btree on the bare column. Second, pruning keys off ingested_at while the query constrains occurred_at, so no partition can be excluded. Third, even made sargable, (occurred_at) is not tenant-leading, so for one tenant among thousands the scan reads the whole time range and discards nearly all of it.
Rewrite the bound carefully, because the obvious rewrite is only conditionally equivalent. date_trunc('hour', x) >= $2 equals x >= $2 only when $2 is already hour-aligned; for an arbitrary $2 it means x >= date_trunc('hour', $2) + interval '1 hour'. Normalise the parameter in the caller and leave the column bare.
Restore pruning with a second, redundant predicate on the partition key: ingested_at >= $2 - interval '<late-data horizon>'. State both sides of it. It prunes to a handful of partitions, and it silently omits any event whose ingest lagged past that horizon, which is precisely what a producer replay produces. Either document the horizon as a stated bound, or partition on occurred_at and move the problem into the dedup window instead.
Propose (tenant_id, occurred_at) include (sku, quantity) per partition. A partial index where environment = 'production' mostly saves size rather than selectivity, since production dominates the three environments; take it if non-production is a meaningful share and skip it otherwise.
Price the write path honestly. At roughly 250M rows/day each extra index is another insert plus WAL per row, and a tenant-leading key scatters inserts across one hot leaf per active tenant instead of appending to a single rightmost leaf, so page dirtying and random I/O both rise. An INCLUDE payload widens every leaf entry and enlarges the index accordingly.
Add the index-only-scan caveat before someone reports it as a regression: on a freshly appended table the visibility map is not yet set for recent pages, so the INCLUDE columns still cost heap fetches until autovacuum has been through, and the newest hour is exactly the data the dashboard reads.

Worked solution (30 min)

Build 30 daily partitions with skewed tenants, one holding about 40% of the rows, then ANALYZE.
Run explain (analyze, buffers) on the original query and record how many partitions were scanned and the rows removed by filter.
Apply the rewritten predicate and the index, re-run, and confirm the plan lists only the partitions inside the ingested_at bound.
Re-run with $2 set to a non-hour-aligned timestamp and confirm the rewritten and original predicates return identical rows.
Insert an event with ingested_at six hours past occurred_at and check whether the pruning predicate excludes it.

Expected result: Three causes named separately: a non-sargable date_trunc, pruning on ingested_at against a predicate on occurred_at, and a non-tenant-leading index. A rewrite to occurred_at >= <hour-normalised $2> plus a redundant ingested_at >= $2 - horizon, an index on (tenant_id, occurred_at) including sku and quantity, a per-row write cost stated, and the late-data omission the pruning predicate introduces stated as a known bound.

Verify it yourself

The plan lists only partitions inside the ingested_at bound.
Rows removed by filter on the index scan is small relative to rows returned.
The rewritten and original predicates agree for both hour-aligned and non-aligned bounds.
A deliberately late-ingested event is visible or omitted exactly as the stated horizon predicts.

Follow-up

CREATE INDEX CONCURRENTLY is not supported on a partitioned parent. Give the sequence that gets this index onto 400 existing partitions without blocking ingest.
One tenant holds 200 times the median row count and the dashboard still times out for them with the index in place. What changes?
Should this read hit usage_rollup_hourly instead? State what that costs in freshness and what the watermark lets you promise.

Find the join that inflates every invoice total

Medium · join fan-out · aggregation grain · sql correctness

invoice_line_item holds line_id, invoice_id, tenant_id, sku, rate_tier, quantity, unit_price_micros, amount_minor (bigint), currency, kind, voided_at. invoice_payment_attempt holds attempt_id, invoice_id, tenant_id, amount_minor, status (succeeded, failed, pending), created_at, and an invoice has many attempts. A finance report runs select i.invoice_id, sum(l.amount_minor), count(p.attempt_id) from invoice i join invoice_line_item l using (invoice_id) join invoice_payment_attempt p using (invoice_id) group by 1 and the totals are wrong. Say precisely what the sum now equals, and write a version that is also correct for invoices with zero attempts.

Approach

Compute what the query actually returns before fixing it. The two joins form a Cartesian product per invoice, so each line row repeats once per attempt row: sum(l.amount_minor) is the true total multiplied by the attempt count, and count(p.attempt_id) is attempts times lines. Three lines and two attempts report double the money and six attempts.
Reject the reflex repair. count(distinct p.attempt_id) does fix the count, because attempt_id is unique. sum(distinct l.amount_minor) does not fix the sum, because two legitimate lines with equal amounts collapse into one. DISTINCT inside an aggregate deduplicates values, not rows, and the difference stays invisible until two lines happen to match.
Aggregate each branch to invoice grain before joining: one CTE summing lines by invoice_id, one counting attempts by invoice_id, then join the two results. A LATERAL subquery per invoice is equivalent and sometimes plans better when the outer set is small. Either way every aggregate stays at the grain it was defined at.
Keep invoices with no attempts by making the attempt branch a LEFT JOIN with coalesce(attempt_count, 0). An inner join here silently drops every unpaid invoice, which is usually the exact population finance is asking about.
Push each filter to its own grain: where l.voided_at is null belongs inside the line CTE, not the outer query, or it would also filter the attempt branch through the join. Put the tenant predicate on both branches, since the denormalised tenant_id is what stops a wrong join crossing tenants.
Leave yourself a standing check: an invoice total is a function of its non-voided lines and of nothing about payments, so if changing the payment filter moves the money figure, the fan-out is back.

Follow-up

Add a third branch for credit notes applied to the invoice. Does the CTE shape still hold, and when would a single pass with filter (where ...) be better?
Over 500k invoices this report takes minutes. Which grain would you materialise, and how do you keep it correct when a line is voided?
The same report is needed per tenant per month. What index makes the line CTE cheap?

How would you design a scalable microservices architecture on AWS using ECS, ECR, Lambda, and Step Functions?

Medium · system design and architecture

Approach

Name the read and write paths separately; they rarely have the same bottleneck.
Choose a partition key and say what query it makes expensive.
Name the failure you are designing for, then the recovery path.

Follow-up

What breaks first when traffic grows ten times?
How does this behave when that dependency is down for an hour?

Explain strategies for system containerization, deployment pipelines, and managing container orchestration using Kubernetes.

Medium · system design and architecture

Approach

Fix the scope first: who calls this, how often, and what they do when it fails.
State the consistency you need, and where you are willing to be stale.
Choose a partition key and say what query it makes expensive.

Follow-up

What would you drop to keep the system up under load?
How does this behave when that dependency is down for an hour?

How do you manage service dependencies, API gateway routing, and inter-service communication in a microservices deployment?

Medium · system design and architecture

Approach

Name the failure you are designing for, then the recovery path.
Fix the scope first: who calls this, how often, and what they do when it fails.
Name the read and write paths separately; they rarely have the same bottleneck.

Follow-up

How does this behave when that dependency is down for an hour?
What would you drop to keep the system up under load?

How do you structure and secure RESTful APIs using standard HTTP methods, status codes, and JSON payloads?

Medium

Approach

State your assumptions explicitly before working the problem.
Work from the requirement backwards to the design.
Clarify what is being asked and what a complete answer contains.

Follow-up

What assumption would you test first?
How would you know your answer was wrong?

Publish limit semantics that clients can back off against

Medium · rate limiting · quotas · degraded mode

The gateway enforces three separate limits: a per-tenant token bucket, a monthly plan quota, and a cap on concurrent in-flight requests. Tenants hold several credentials and call from three regions, and today they see undifferentiated 429s. Design the client-facing contract: which headers carry which limit, the status codes that distinguish slow down from out of plan allowance from too many in flight, and what a well-behaved SDK does for each. Also state what the gateway returns when the shared counter store is unreachable, and what bound that choice implies.

Approach

Separate the three objects before naming a header. A bucket refills continuously, a quota does not refill until the period rolls, and a concurrency cap clears when an in-flight request finishes. They have different remedies, so they cannot share a status code.
Map them accordingly: 429 with Retry-After for the bucket, where waiting works; 429 with a distinct code and a reset hint for concurrency, where waiting works only if something else completes; and 402 or 403 with a plan code for quota, where waiting never works and the SDK must surface it rather than sleep on it.
Emit RateLimit-Limit, RateLimit-Remaining and RateLimit-Reset for the bucket only, and document Remaining as advisory. It comes from a shared counter that other requests are changing concurrently, so a client treating it as a reservation has built a race.
State the aggregation in the docs: the limit applies per tenant across every credential and every region. The cheap per-pod bucket of rate/N is correct only when traffic spreads evenly, and a tenant whose connections land on a few pods is throttled well under its published limit while a widely spread one exceeds it.
Decide the degraded mode in advance and publish it. Failing open serves unmetered traffic during a counter outage; failing closed converts a counter outage into a total outage. Pick one, bound it, for example a local fallback bucket at a fraction of the limit for the duration, and say so in the contract.
Specify SDK behaviour: honour Retry-After over local backoff, apply full jitter otherwise, never retry 402 or 403, and cap total attempts so retries expire before the caller's own deadline.

Worked solution (25 min)

Write a three-row table of limit, refill behaviour, status code, headers, and the client's correct action.
Write the exact header set for one throttled response and one quota-exhausted response, showing that they differ.
Write the documentation sentence that states aggregation across credentials and regions, and the sentence marking Remaining advisory.
Choose and justify the counter-store failure behaviour, then state the numeric bound it puts on overage or on availability.
Write the SDK's decision function: given status and headers, return sleep duration or surface to the caller.

Expected result: Three distinguishable responses, with Retry-After authoritative on the two retryable ones, quota exhaustion never retried, Remaining documented as advisory, and a named degraded-mode behaviour carrying an explicit overage or availability bound.

Verify it yourself

A client can tell the three conditions apart without parsing prose.
Exactly one of the three conditions is documented as never worth retrying.
The aggregation statement mentions credentials and regions, not just the tenant.
The degraded-mode answer names a number, not only a direction.

Follow-up

Two services under the same tenant each read Remaining = 50 and each send 50 requests. What did the contract promise, and what actually happens?
How would you keep a burst from a staging workspace out of the production workspace's share of the same tenant's bucket?

Invoice detail latency triples after an ORM relationship refactor

Easy · n+1 query · orm · latency regression

An invoice detail endpoint returned in 40 ms at p99 last week. After a refactor replaced a hand-written join with ORM relationship access it returns in 1.4 s, and the regression grows with the number of invoice_line_item rows on the invoice. Database CPU rose, but no statement in the slow-query log exceeds 3 ms. You have request traces with per-span SQL, the ORM statement log, and a staging copy of the data. Produce an ordered diagnostic checklist, the measurement that confirms the cause before any code change, and the fix.

Approach

Count statements per request before reading any statement duration. A slow-query log hides this class by construction, because every individual query is fast and only their number is wrong; take one trace and count SQL spans.
Establish proportionality rather than asserting it: sample invoices with 5, 20, 60 and 200 line items and plot statements per request against line count. A straight line of slope 1 through an intercept of one or two identifies a lazy relationship load, and no index or cache would move that line.
Locate the emitting attribute access in the refactored code and check whether the same shape repeats one level deeper, for instance a tax or adjustment collection hanging off each line, which turns the cost quadratic.
Fix with a bounded statement count: either one join that fetches invoice and lines together, or two statements where the second is WHERE invoice_id = $1 AND tenant_id = $2. Keep tenant_id in the predicate so the read stays tenant-scoped even though invoice_id already implies it.
Choose between the two deliberately: the join duplicates the wide parent row across N children on the wire, the two-statement form avoids that for one extra round trip. Prefer the join for narrow parents and the split for wide ones.
Pin it with a per-request statement-count assertion in a test that varies line count, because a latency assertion passes on a small fixture and would not have caught this.

Follow-up

The endpoint now also needs per-line tax rows. Show the shape that keeps statement count constant instead of reintroducing the same defect one level down.
How does this change if a transaction-pooling proxy sits between the service and the database, so each statement may land on a different backend session?
The same page paginates invoices with LIMIT and OFFSET. Why is that a second, independent defect, and what replaces it?

Suggested practice checklist

For someone who has spent the last few years shipping features and reading other people's code, and who has not solved a timed problem from a blank file in a long time. Five days rebuild the primitives and the patterns that sit on them, working from invariants rather than remembered solutions, and the last two attach that back to the rest of the loop.

Day 1 — Rebuild the primitives by implementing them

Implement a dynamic array with doubling growth and an operation counter, then change the growth rule to add a fixed sixteen slots instead, and time both for n of ten thousand, a hundred thousand and a million. The fixed-increment version resizes n/16 times at O(n) each, so its total work is quadratic; doubling is what makes append amortised constant.
Implement a hash map with separate chaining and a load-factor resize, then insert ten thousand keys engineered to land in one bucket and record what happens to lookup time, so that average-case O(1) becomes a claim with a stated precondition rather than a reflex.
For dynamic-array append and hash-map insert, write down which cost is amortised rather than worst-case, which single operation pays the whole bill, and what a system with a hard per-operation deadline would have to do instead.

Deliverable: Two working implementations plus a timing table showing the input at which each structure's advertised complexity stops holding.

Day 2 — Arrays under an invariant: two pointers, sliding window, binary search

Solve longest-subarray-with-sum-at-most-K using a sliding window, then run it on an input containing negative numbers and watch it return the wrong answer: extending the window only moves the sum monotonically when every element is non-negative, and that precondition is the whole reason the technique works.
Write the binary search that finds the first index satisfying a predicate rather than an exact value, put the loop invariant above the loop in a comment, and verify termination on the two inputs that break careless versions: the empty range, and a range where every element satisfies the predicate.
Compute the midpoint as lo + (hi - lo) / 2 and write one line on why the obvious (lo + hi) / 2 is a genuine defect in a fixed-width integer type and a non-issue in a language with arbitrary-precision integers.

Deliverable: Three solved problems, each with its invariant written above the loop, plus one recorded input on which the sliding window is provably wrong.

Day 3 — Sorting, heaps, and the greedy argument that has to be proved

Solve one top-k problem three ways, by full sort, by a size-k heap, and by quickselect, then write the values of n and k at which each becomes the right choice, along with quickselect's quadratic worst case and why a randomised pivot makes that unlikely rather than impossible.
Implement bottom-up heapify and count sift-down steps to confirm it does linear work rather than n log n, because most nodes sit near the bottom of the tree and therefore move only a short distance.
Take interval scheduling by earliest finishing time and write the exchange argument out in full: given any optimal schedule, swapping in the earliest-finishing interval keeps it feasible and no smaller. Then construct the weighted variant where that same greedy fails and name what has to replace it.

Deliverable: A three-way top-k comparison with measured crossover points, one written exchange argument, and one counterexample to a greedy rule that looks almost identical.

Day 4 — Recursion, memoisation, and the step to a table

Take one problem with overlapping subproblems, such as edit distance or coin change, instrument the plain recursion with a call counter to show the blow-up, then add memoisation and re-count.
Convert the memoised version to a bottom-up table and state the two properties you relied on: each subproblem's result depends only on its arguments, and the dependencies form a DAG you can enumerate in order.
Rewrite one deep recursion with an explicit stack, then find the input length at which the original hits the interpreter's frame limit, which defaults to about a thousand frames in CPython, so you know when the rewrite is required rather than decorative.

Deliverable: One problem in three forms, naive, memoised and tabulated, with call counts for each and the input length at which recursion depth becomes the binding constraint.

Day 5 — Graphs, where most of the work is choosing the traversal

Implement BFS and DFS over one adjacency list, then answer for each which finds a shortest path in an unweighted graph and which you would use to detect a cycle in a directed graph, including why the in-progress versus finished distinction matters for the second.
Implement topological sort by in-degree, feed it a graph containing a cycle, and confirm the failure signature is that fewer than V nodes come out rather than an exception, then note that the order it produces is one of several valid ones.
Run a shortest-path search on a graph with a single negative edge weight and show the wrong answer, then write the precondition Dijkstra actually needs, non-negative weights, because it finalises a node's distance the first time that node is popped, and name the algorithm you would switch to and its own limit.

Deliverable: A small graph library with BFS, DFS and topological sort, plus two inputs that produce documented wrong answers under the wrong algorithm choice.

Day 6 — One day for everything that is not an algorithm

Sketch one system only to the depth a coding-heavy loop tends to reach: the endpoints, what the service stores, and the single query pattern that decides the schema. Stop at twenty-five minutes.
Prepare the project answer for an interviewer who codes, which means rehearsing the two levels they push to: the specific thing you built, and why you chose that approach over the alternative they will name. Open with a number and be ready to say what it excludes.
Prepare the answer to what you would do differently, choosing a real technical mistake with a specific fix rather than a complaint about process or staffing.

Deliverable: One design sketch at endpoint-and-schema depth, plus a project answer rehearsed to two levels of follow-up.

Day 7 — Solve out loud, under time

Do three timed problems at twenty-five minutes each in a plain editor with no autocomplete and no execution until the end, then tally separately the failures that were syntax and the ones that were approach, because those two numbers call for different fixes.
Narrate one solution from the first sentence, stating the approach and its complexity before writing any code, and rehearse the sentence you will use when you realise mid-solution that the approach is wrong.
Re-solve from blank the two problems you were slowest on this week and compare the times against the day they first appeared.

Deliverable: A recording of one fully narrated solution and a tally that separates syntax failures from approach failures.

Outage answers are graded on instruments

Nobody is scoring your stamina at three in the morning. What carries weight is which signal told you something was wrong, what you measured before touching anything, what you rolled back versus what you fixed forward, and why you picked one. 'We restarted it and it went away' is a story about not knowing.

Why are you interested in working at Moody's, and how do your skills align with our financial risk intelligence mission?

Medium · behavioural and engineering judgement

Approach

Give the blast radius: what could have broken, and what you measured.
State the situation in two sentences and spend the rest on the reasoning.
Name the disagreement and how you resolved it with evidence.

Follow-up

How did you know your change caused the improvement?
What did you decide not to do, and why?

Give an example of a time you identified a system bottleneck or architectural defect and how you resolved it.

Medium · behavioural and engineering judgement

Approach

State the situation in two sentences and spend the rest on the reasoning.
Close with what you would do differently, concretely.
Pick a story where you made the decision, not one where you watched it.

Follow-up

What did you decide not to do, and why?
What would you do differently if you ran that again?

Ship metered billing with a named deduplication horizon

Medium · technical debt · deduplication · deadline pressure · detectors

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?