From our research
What this interview looks like
PhonePe runs one of the largest UPI platforms in India by transaction volume, and its engineering interviews reflect that: a typical loop has a coding screen, one or two data-structures rounds, a machine-coding or low-level design round where the candidate writes working code for a small system in about ninety minutes, a high-level design round for experienced candidates, and a hiring-manager round, with HR covering fitment and compensation last.
Interviewers are engineers from the hiring team, the loop is on video or at the Bengaluru office, and candidates have reported that reliability, idempotency and failure handling come up in almost every round because a payment that fails twice is a customer complaint.
Risk, fraud and business-analyst roles typically see an SQL and case round, a conversation with the risk or business lead on fraud patterns, rule design and trade-offs between fraud losses and customer friction, and a culture round. Round counts and durations vary by team and level, so treat them as typical rather than fixed.
Englio compresses the loop into a 17-minute panel: HR screen, a hiring-manager round on your work and a PhonePe scenario, a role round in your chosen specialisation, a short STAR behavioural round and a closing on expectations, scored on role knowledge, problem solving, communication and attitude.
Choose your role
2 roles available
Each role has its own panel, rounds and domain list.
What to expect
5 rounds, one after another
A private-sector hiring loop compressed into one sitting, the way most Indian companies run it: HR screen → hiring-manager round on your actual work → role/technical round led by a lead → communication & behavioural (STAR) round → closing on expectations and your questions.
Works for software, product, sales, finance, HR, support and campus hiring by swapping the role bank.
- Round 1
HR screen
· 3:00Understand background, motivation for this role and company, and basic logistics; check that the resume story holds together.
Ms. Neha Kulkarni2–3 questionsup to 1 follow-up each - Round 2
Hiring-manager round
· 4:00Assess ownership, judgement and how the candidate actually works: what they shipped, closed or ran, their specific part, and how they would approach this job.
Ms. Divya Raghunathan2–3 questionsup to 2 follow-ups each - Round 3
Role / technical round
· 5:00Test role knowledge and problem-solving in the chosen specialisation: fundamentals, one scenario to think through aloud, and trade-offs.
Ms. Ananya Sen3–4 questionsup to 2 follow-ups each - Round 4
Communication & behavioural round
· 3:00Assess collaboration, conflict handling, resilience and clarity of expression through Situation–Task–Action–Result examples.
Ms. Divya Raghunathan2–2 questionsup to 1 follow-up each - Round 5
Expectations & closing
· 2:00Cover practical expectations and let the candidate ask questions; close professionally.
Ms. Neha Kulkarni1–2 questions
Meet the panel
Your AI interviewers
Distinct personas, voices and questioning styles, briefed on this interview.
Ms. Neha Kulkarni
ChairHR member
HR business partner, IT services
Friendly, efficient, detail-checking.
Female voice · 4 languages
Ms. Divya Raghunathan
Hiring manager
Engineering Manager, UPI and payments platform, consumer fintech (Bengaluru); runs SDE and machine-coding loops
Direct, calm, reliability-obsessed, generous with hints.
Female voice · 4 languages
Ms. Ananya Sen
Technical lead
Staff engineer / technical lead
Curious, precise, collaborative.
Female voice · 3 languages
Mr. Karthik Venkatesan
Hiring manager
Director, Business and Product Operations, consumer internet and fintech (Bengaluru); hires analysts, product managers, category and growth managers
Sharp, numbers-first, fair, impatient with jargon.
Male voice · 4 languages
Ms. Shalini Krishnan
Technical lead
Senior functional lead — business roles (finance, sales, marketing, HR, CX, product)
Practical, scenario-driven, warm but exact.
Female voice · 4 languages
Languages
Answer in the language you think in
Interviewers speak and understand each language natively. Switch mid-answer if you like.
- English
- हिंदीHindi
- Hinglish (Hindi + English)Hinglish
How scoring works
A report you can act on
Every round is scored on the rubric
Each interviewer scores only the criteria their round covers. Weights add up to your overall score out of 100.
Only what you actually said counts
Feedback quotes your own answers. Rounds you skip show as “Not assessed” rather than a zero.
Communication is always measured
Fluency, clarity, confidence and structure are tracked across the whole interview, in any language.
Pass mark, then a plan
You see the pass mark for this interview, your gaps, and the courses that close them fastest.
Scored on
- Role knowledge30%
Depth and accuracy of role/domain knowledge; understands the tools, concepts and trade-offs of the job; grounds claims in real work.
- Problem solving & structure25%
Breaks problems down, asks clarifying questions, reasons about trade-offs and edge cases, structures answers (context, action, result).
- Communication25%
Clear, concise, confident; listens and answers the question asked; adapts the explanation to the listener; professional register.
- Culture & attitude20%
Ownership, honesty about limits, coachability, collaboration, motivation for this role and realistic expectations.
Pass mark 65 / 100 · Corporate interview — HR, hiring manager & role round (panel)
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