Evaluate Stripe Capital Loan Performance
StripeData Analyst · Technical Screen
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This question evaluates a data analyst's competency in product analytics, metric design, cohort and segment analysis, and causal inference for a working-capital loan product.
You are a Data Analyst on the go-to-market analytics team for a payment platform similar to Stripe.
The company offers working-capital loans to merchants. A merchant receives cash up front, and repayment is automatically deducted as a percentage of the merchant's future payment-processing volume until principal plus interest or a fixed fee is repaid.
Answer the following:
- What metrics would you define to monitor whether this loan product is performing well?
- Suppose total revenue from the loan product has declined over the last quarter. How would you investigate the root cause?
- What segmentations, data checks, and causal analyses would you use to distinguish between product, risk, pricing, merchant-mix, and macroeconomic explanations?
- What recommendations might you make depending on the root cause?
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