Data Coding

Card portfolio health check

EasyCapital Onejoinsratio of sumsdelinquency rategroup by· 20 XP (10 per step)

Mock interview. You're interviewing for a data analyst job on a credit card team. The interviewer shares statements (one row per card per month) and cards. "Let's see how the card book looked in June."

  • Utilization is how much of their limit people are using: total balance / total credit limit.
  • A card is delinquent when it's at least 30 days past due (days_past_due >= 30).

Step 1: The headline numbers

"For the June 2026 statements (statement_month = '2026-06-01'): number of cards, total balance, utilization and the delinquency rate."

Expected output

  • One row; utilization and delinquency_rate as percentages rounded to 1 decimal

Example of the shape (made-up values):

cards total_balance utilization delinquency_rate
700 1800000.00 35.0 10.0

Hints, the later steps and the answer come with Pro.

Step 1 of 2

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