Paytm SDE2 Interview Guide
Evidence-backed preparation playbook for Paytm SDE2 interviews. 5 reported questions, top topics, difficulty breakdown, and a free assessment.
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Top Questions — Ranked by Community Votes
These 5 questions appeared most in Paytm SDE2 reports. Master these first.
Design Paytm's wallet system that supports deposits, withdrawals, peer-to-peer transfers, and merchant payments. Ensure ACID properties for all transfers, discuss optimistic vs pessimistic locking, and explain how you handle a split-brain scenario where two nodes disagree on a wallet balance.
Design Paytm's cashback system. When a user completes a transaction, they may receive cashback based on complex rules (merchant, time, amount, user segment). The cashback is credited to their wallet. Cover: rule engine, deduplication, and fraud prevention.
Design Paytm's KYC (Know Your Customer) pipeline. Users must submit Aadhaar/PAN documents for verification. How do you store documents securely (encrypted at rest), verify them (ML + manual review), and handle status callbacks?
Explain Paytm's mini-app platform architecture. Third-party developers build apps that run inside the Paytm super-app. How do you sandbox them (security), manage their lifecycle, share user identity safely (OAuth), and handle payments on their behalf?
Paytm operates in a highly regulated environment (RBI guidelines). Describe a time when a regulatory requirement forced you to change a technical design. How did you balance compliance with user experience?