Credit Risk & Banking Path

The 30+ DPD rate ticked up.
The CRO wants an explanation by close.

Query a consumer-banking data model with planted risk-reporting traps, build the vintage curves, roll-rate matrices, fraud rules, and CECL loss projections that credit-risk, fraud, AML, and regulatory teams actually write every month. Shaped around the Capital One / JPM / BofA analyst interview loop and the work mandated by CCAR, CECL, BSA, and SR 11-7.

See All Missions

30 missions (10 free · 20 Pro incl. 5 Master) · 5 tables · 31K seed rows

How It Works

1

Read the briefing

A Slack message from your manager

2

Explore the schema

5 tables in a star schema

3

Write your query

Full SQL editor with autocomplete

4

Get expert feedback

Graduated hints, not just pass/fail

Why This Path

Credit Risk Mechanics

Vintage analysis, roll rates, delinquency bucketing, FICO-band segmentation, and PD/LGD/EAD feature engineering — the queries every credit analyst writes.

Fraud + AML Patterns

Velocity features, structuring detection, rolling-window rules, and composite risk scoring — patterned on NICE Actimize / SAS AML / FICO Falcon workflows.

Regulatory Reporting

Point-in-time quarter-end snapshots, Y-9C / Call-Report-style aggregations, CECL lifetime-loss projection, and PSI / KS model-monitoring queries.

Interview-Ready Skills

Every mission maps to a live Cap One Power Day prompt, a JPM Analyst Development Program case, or a Progressive / fintech fraud-strategy scenario.

The Missions

Each mission is a real request from someone at the company. Difficulty increases as you go.

Starter5 missions
1
Peek at the customer bookFrom: VP Retail Banking
What products do we book?From: Chief Data Officer
Open accounts right nowFrom: VP Retail Banking
Active deposit customers by stateFrom: Head of Consumer Marketing
Customer vs account — know the grainFrom: Head of Portfolio Analytics
Easy5 missions
Reversals and chargebacks — clean the spend totalFrom: Controller
Delinquency bucket snapshotFrom: Head of Collections
FICO band distribution at originationFrom: Head of Credit Strategy
Approval rate by FICO bandFrom: Head of Credit Strategy
Joint accounts — who’s the primary?From: Chief Data Officer
Medium5 missions
Monthly net charge-off rate by productProFrom: Chief Risk Officer
Vintage originations pacingProFrom: Head of Credit Strategy
Velocity feature — auths in 1 hourProFrom: Fraud Ops Lead
Structuring flag — sub-$10K cash depositsProFrom: BSA Officer
Dormant account auditProFrom: VP Retail Banking
Hard5 missions
Vintage curve — 90+ DPD by MOBProFrom: Chief Risk Officer
Roll-rate transition matrixProFrom: Model Risk Manager
Rolling velocity — ≥5 auths in 10 minutesProFrom: Fraud Ops Lead
Same-day amount-swing flagProFrom: Fraud Ops Lead
Quarter-end balance snapshot (Y-9C style)ProFrom: Regulatory Reporting Lead
Expert5 missions
PSI — score distribution vs baselineProFrom: Model Risk Manager
KS statistic on PD model scoresProFrom: Model Risk Manager
CECL lifetime loss projection by vintageProFrom: Chief Risk Officer
Champion–challenger collections backtestProFrom: Head of Collections
Portfolio risk scorecard capstoneProFrom: Chief Risk Officer
Master5 missions
Charge-off rate by product — FICO band heatmapProFrom: Chief Risk Officer
Vintage delinquency drift YoY (12-MOB)ProFrom: Head of Credit Strategy
Chargeback risk score by merchant categoryProFrom: Fraud Ops Lead
Product portfolio risk summaryProFrom: VP Retail Banking
CRO board scorecard capstoneProFrom: Chief Risk Officer

The Database

A consumer-banking star schema — customers, accounts, transactions, applications, and monthly delinquency snapshots — with planted risk-reporting traps: reversals that inflate raw spend, customer-vs-account grain gotchas, charged-off accounts still posting recoveries, FICO-at-origination vs current, and banking-day vs calendar-day conventions.

banking_customers (800)banking_accounts (1,200)banking_transactions (15,000)banking_applications (2,000)banking_delinquency (12,000)

●dimension tables  ● fact tables

Credit analysts don’t get to ship a wrong number

Vintage curves and roll rates land on the CRO’s desk. Learn to write them correctly.

Looking for something different?

|