Top 4 Rating Interview Questions

Browse 4 real-world technical and behavioral interview questions about Rating. Review scenarios, edge cases, and architectural best practices.

The business wants to change a rating factor next Monday. Walk me through what actually has to happen.

In a filed environment the rate is a regulated artefact rather than a configuration value, so the change is versioned by state and effective date, applies to business written from that date rather than to everything, and must leave every existing quote and policy reproducible against the version that priced it.

hardscenario

Usage records arrive duplicated, late and out of order, and the tariff changed in the middle of the month. How does mediation and rating cope?

Mediation normalises and deduplicates records against a persisted key window sized to the worst observed lateness, then rating prices each record by its event time against an effective-dated tariff version. Prepaid is not merely faster postpaid; it reserves quota against a live balance.

harddesign

A family plan shares 100 GB across five SIMs with each SIM capped at 30 GB. How does charging enforce both limits at once?

Every reservation must decrement the shared pool and the member's own counter atomically, granting the smallest of the two remainders. That makes the group rather than the subscriber the serialisation point, and it means a member with headroom can still be refused because the pool is gone.

harddesign

Underwriting want to put a new external data source into the price. What has to be true before it goes anywhere near the rating algorithm?

It has to be available at quote time for a known share of risks, obtainable as it stood historically so a backtest means anything, defensible as a factor rather than a proxy, and stable enough that the vendor cannot change your filed rate for you. Everything else is a modelling detail.

harddesign