Fintech Interview Questions and Answers

Typical Fintech Interview Questions

  1. 1. Explain what the term fintech means.

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  2. 2. What type of fintech firm do you prefer to work for?

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  3. 3. What have you done to build up your hard skills?

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  4. 4. What kind of experience do you have conducting data analysis?

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  5. 5. Give me a brief overview of your career to date.

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  6. 6. What are your thoughts about the current state of the market?

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  7. 7. Tell me about a time when you solved a problem in a creative way.

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  8. 8. Explain the meaning of blockchain in general terms.

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  9. 9. Why should we hire you instead of another candidate?

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  10. 10. What four financial statements are used to monitor a company's financial health?

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  11. View All Fintech Interview Questions Plus Answers

Fintech Data Analyst Interview Questions

  1. 1. Why do you want to be a fintech data analyst?

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  2. 2. What is data verification and why is it necessary?

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  3. 3. What would you do if you saw that data was missing or suspect?

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  4. 4. Walk me through the steps you typically take during a data analysis project.

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  5. 5. What kind of challenges do fintech data analysts face?

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Fintech Business Development Representative Interview Questions

  1. 1. Tell me about a time when you had to get really good at a skill and how you did this.

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  2. 2. Tell me how you deal with rejection.

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  3. 3. Describe a time when you helped close a fintech sale.

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  4. 4. How do you measure success?

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  5. 5. Let's say that one month you miss your quota. What will you do?

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Blockchain Developer Interview Questions

  1. 1. Can you explain in general terms what Blockchain is?

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  2. 2. Can you change the data in a block once it is written?

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  3. 3. What role does encryption play in a blockchain?

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  4. 4. How is a blind signature used in cryptocurrency?

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  5. 5. What is a Coinbase transaction, and how is it created?

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Fintech Account Manager Interview Questions

  1. 1. Why do you believe you'll be a good account manager?

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  2. 2. You have been given 75 clients. How will you manage them? What will you do first?

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  3. 3. Why do you want to leave your current position?

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  4. 4. Describe a contribution you made to the last team you worked on.

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  5. 5. Why should we hire you instead of other candidates?

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Fintech Financial Analyst Interview Questions

  1. 1. Tell me what you would do if you noticed an inconsistency in our company's financial records.

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  2. 2. What metric would you use to analyze a company's stock and why?

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  3. 3. What is your greatest strength that benefits your career as a fintech financial analyst?

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  4. 4. What four financial statements are used to monitor a company's financial health?

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  5. 5. Tell me what financial modeling is and why it's important.

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Fintech Product Manager Interview Questions

  1. 1. How do you define market opportunity in a business plan?

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  2. 2. Tell me about the elements that comprise a competitive analysis.

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  3. 3. How experienced are you in the end-of-life process for a product?

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  4. 4. What processes and methods would you use to launch a new fintech product?

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  5. 5. How does this job fit into your overall career trajectory?

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Fintech Human Resources Manager Interview Questions

  1. 1. How do you find great job candidates when recruiting?

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  2. 2. Tell me about a time when you led an important company initiative.

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  3. 3. How do you think your previous managers would describe you?

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  4. 4. Talk about how you have successfully led a team that was comprised of diverse personalities.

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  5. 5. Tell me how you would handle a job termination.

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Fintech Security Analyst Interview Questions

  1. 1. What is phishing and how can it be stopped?

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  2. 2. Tell me what you'd do if someone asked you to break protocol for them.

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  3. 3. How would you go about securing a network?

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  4. 4. What do you plan to do your first 90 days on the job?

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  5. 5. Talk about the differences between encoding, encrypting, and hashing.

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What Exactly IS Fintech Anyway?

There are many job opportunities in the Fintech industry. But what exactly is "Fintech," you might ask? Basically, it's a shortened and easier way to say "financial technology," and it refers to technology that delivers financial services through software. The ultimate goal of Fintech is to assist consumers and companies in managing and streamlining their financial operations and processes via computer/smartphone algorithms and software programs.

Examples of Fintech include online/retail banking (e.g., depositing checks on a smartphone, managing investments online, money transfers), mobile payment apps, and cryptocurrency/digital cash (e.g., Bitcoin), and Fintech roles exist in various sectors and industries like education, banking, insurance, lending, cybersecurity, fundraising/non-profit, financial compliance, investment research/advice, and wealth management.

Since the revolutions of the internet and smartphones, the Fintech field has exploded. And its disruption of traditional banking, trading, and financial products/advice may just be getting started with the advancement of even newer technologies like machine learning/artificial intelligence (AI), data-driven marketing, and predictive behavioral analytics.

Careers in Fintech

So working in Fintech sounds exciting because it's filled with new and evolving technologies and lots of possibilities. But what kinds of jobs are available in the Fintech field? Let's take a look.

As Fintech startups continue to grow, they are hiring more and more financial and data analysts, in addition to product managers and compliance officers. Startups need employees who will put together financial reports, forecast revenues, analyze data, and oversee products. They are also hiring cybersecurity analysts, a job that is in very high demand as hackers follow the money and Fintech companies try to protect their data and reputations, and quantitative analysts (aka quants) who drive the trading technology that is used by hedge funds and investment banks.

Fintech startups also have a need for HR and culture executives who will assemble, shape, and maintain a workplace that is diverse and happy. They are also hiring business development representatives and managers to generate leads, cold call prospects, close new clients, and identify new target markets and business partnerships, in addition to account managers who maintain and nurture these client relationships.

Beyond those roles, there is an increasing need for blockchain developers as well because of the continued and rapid growth in the area of artificial intelligence (AI) and blockchain technology. Moreover, as the use of mobile apps keeps flourishing, particularly in regards to payment solutions and personal finance, Fintech companies will continue hiring app developers.

Ultimately, there are a variety of roles that Fintech startups are looking to fill - with an emphasis in the areas of data analysis and visualization, AI/machine learning technology, WealthTech (the marrying of wealth management/financial advisories and tech-enabled service delivery), RegTech (simplifying financial compliance), peer-to-peer lending, cybersecurity, blockchain technology/cryptocurrencies, and mobile app development. With so much variation it's very likely you can find something that suits your background and interests!

Places That Hire for Fintech

If you're interested in working in Fintech, there are various places where you can focus your job search.

1) Banks - While they aren't necessarily small and nimble like startups, banks know the finance industry and are adapting to the disruptions brought about by Fintech. If you're looking for a decent salary and resources, check into the Fintech openings that exist at various banks.

2) Startups - If you're looking to see the direct impact of your work on a daily basis, a Fintech startup might be the place to go. It may be harder to land a job here due to tight budgets, but if you're at the right skill level you'll have a shot. Plus, you can ask for a stake in the company too.

3) BigTech Firms - The phrase "BigTech" refers to big technology behemoths like Facebook, Amazon, Netflix, and Google (aka FANG) who have massive global customer bases. Landing a job at a BigTech company would give you access to plentiful resources and big teams, but you might end up feeling like "cog" who can only work on what the big boss wants.

4) Firms With Financial Divisions - Similar to the BigTech companies, but likely easier to break into, any sizeable company that actively puts effort into financial development likely has openings for Fintech roles. This might be a good place to start if you're entry-level and looking to gain experience along with earning a decent wage.

There's also the option of switching industries. For example, if you're already building apps or software in a different field, you may be able to parlay that knowledge and experience into a position at a Fintech company.

How to Land a Job in Fintech

There are several things you can do to improve your chances of being hired for a Fintech role.

1) Build your hard skills. If you are interested in working for a Fintech company as a programmer, designer, or hardware engineer, for example, you'll need to be proficient in coding and front-end development. Fintech firms need apps developed, product APIs created, platforms maintained, and user interfaces/experiences (UI/UX) designed and implemented.

In many cases, Fintech companies also need blockchain experts. If you choose to build your skills in this area, you'll likely score a high-paying position where you'll work on building highly secure platforms for money transfers, smart contracts, and more.

2) Master your data skills. If you're interested in filling the role of data scientist, data analyst, or data specialist, you'll want to become proficient in data analysis, visualization tools, query languages, and NoSQL databases. If artificial intelligence is your thing, become knowledgeable about AIs and training patterns.

3) Understand automation. Fintech is all about using new and improved digital technologies to deliver better results quicker. As a result, many Fintech roles require a deep understanding of how to combine AI and machine learning with automation to improve the efficiency of various processes.

4) Develop your soft skills. Fintech startups, in particular, tend to look for their hires to be collaborative, adaptable/flexible, and energetic. It's also important that you be an effective communicator and problem-solver.

5) Become an expert in cybersecurity. If you are knowledgeable or experienced in this area, you will be in high demand by Fintech startups that are looking to keep themselves protected.

6) Get certified. There are many Fintech courses available online, but before you pick one, spend some time thinking about what area of Fintech appeals to you most. Then you can choose the certification that will best help you land the job you really want.

Salaries in Fintech

Since there are so many different types of jobs in the Fintech space, the range of salaries is wide. But in general Fintech salaries are on the rise because the field is rapidly growing, and there is a strong demand for candidates who will fill these roles. The highest paying Fintech salaries, according to, tend to involve product managers, technology developers and engineers, sales (business development managers and inside sales account executives), account managers, and those at the C-suite level.

How to Ace a Fintech Interview

So you've been invited to interview with a Fintech company - that's great! Now let's make sure you're fully prepared to do your best during the interview. Here are some things you can do in advance:

1) Ask the person you're in contact with at the company who will be interviewing you and what their role is at the firm. Sometimes there may be more than one person conducting the interview. Once you have their name(s) in hand, do some due diligence - Google them and peruse their LinkedIn profile(s). Learn about them as sometimes this comes in handy during the interview and may help you relate to them while you converse.

2) Conduct some research on the company itself. Try to get a sense of the company culture (a good place to learn about this is on the company's LinkedIn page). Be prepared to answer questions about why you want to work for this company in particular. Also, figure out who some of its main competitors are and what differentiates this firm from the others.

3) Prepare a quick summary of your career history. Practice saying it several times before the interview so you can speak confidently in the moment when the pressure is on.

4) Look up the common questions that are frequently asked at all interviews, no matter the role. These include where you see yourself in five years, your strengths and weaknesses, your biggest achievement to date, and what about this role in particular excites you.

5) Come up with some intelligent questions to ask the interviewer. This will allow you to appear enthusiastic, knowledgeable, and curious about the position and the company.

When it comes to the finance part of the interview, prepare beforehand to be able to talk about the following:

1) The current state of the stock market and the current events that are impacting it.

2) Financial basics like compounding rates, the time value of money, etc.

3) How the solutions you implemented for various projects on your resume impacted the company positively.

4) If you're interviewing for a quant role, be familiar with the book, Heard on the Street.

If you're looking to score a sales job at a Fintech firm, take the following into consideration:

1) Talk up any industry experience you have that is similar to the role you're trying to land. Fintech firms have a tendency to hire salespeople from direct competitors or who have sold similar products.

2) If you have a large network that includes people in the industry, mention this to the interviewer. They will want to hear that you know people who might be interested in buying their products/services. Your established network very well might give you a leg up versus other candidates.

3) Be prepared to talk about and/or "sell" the company's product/service on the spot for the interviewer. Great product knowledge is a must in a Fintech sales role. Be sure to research the company's product/service before the interview so you can discuss it.

If you are interviewing for a technical role, consider the following:

1) Before the interview, think of some examples of times when you solved problems in a creative way. Be prepared to talk about these examples. You will want to show that you are innovative and a critical thinker.

2) Be sure you can talk about all the skills and projects you have included on your resume.

3) Be ready to draw a diagram or design for the interviewer.

4) Be familiar with common coding challenges like Fibonacci, and be prepared to write code if prompted. The interviewer will be most interested in your problem-solving skills, so be sure to talk through your thought process. Also, it's a great idea to put together a portfolio that you can share with the interviewer that features your out-of-the-box thinking, particularly in the finance realm.

5) Prior to the interview, refresh your memory on algorithms. There are online courses available if needed.

Finally, remember that no matter how much you prepare, things happen. So don't be too hard on yourself if the interview doesn't go exactly how you planned. If it doesn't work out, it wasn't meant to be! But remember that the person interviewing you has been on the other side of the table before. If you start to get flustered, take a deep breath, and ask if they can re-phrase the question for you. If you're drawing a blank, say so, and then move forward and tackle the next one. One question likely won't make or break you, so continue moving forward with confidence.

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