Understand the business rules
Collaborate with domain experts to understand the DPD logic, rule dependencies and expected financial results before changing the implementation.
Selected Engineering Work · Project 02
Optimizing complex financial logic without changing its business meaning.
Optimized a business-critical SQL pipeline used for days-past-due calculations, credit-risk analysis and financial reporting, reducing execution time by 45% through earlier filtering, improved join strategies and removal of redundant processing.
The challenge
The DPD pipeline implemented approximately 40 business rules. Many of those rules depended on the same intermediate result, but the existing implementation repeatedly applied similar joins and transformations to substantially the same working dataset.
The source data itself was not exceptionally large. The execution time grew because inefficient SQL joins, insufficient early filtering and repeated transformations multiplied the amount of work performed across the rule set.
Optimization architecture
The optimization focused on reducing the amount of data processed before the business rules were evaluated and eliminating repeated work around common dependencies.
Engineering approach
The work combined SQL performance engineering with close collaboration around domain-specific financial logic.
Collaborate with domain experts to understand the DPD logic, rule dependencies and expected financial results before changing the implementation.
Trace where approximately 40 rules repeatedly depended on the same intermediate result and locate unnecessary recomputation.
Move filtering upstream so joins and transformations work with only the records required by downstream calculations.
Rework inefficient SQL joins and use broadcast joins where appropriate for smaller datasets and lookup-style relationships.
Consolidate common processing paths and eliminate repeated transformations that generated equivalent intermediate results.
Use controlled input datasets and business-defined expected outputs to confirm that optimized SQL logic preserved the intended calculation.
Testing strategy
PyTest-based unit tests were built around specific business scenarios. Each test supplied controlled input data and verified that the SQL output matched the result expected by the business.
This provided a safety net for refactoring: join strategies, filtering and shared processing could be improved while the expected financial behavior remained explicit and testable.
Key engineering decisions
Common intermediate results were treated as shared dependencies instead of repeatedly rebuilding similar processing paths for individual business rules.
Filtering moved earlier in the pipeline so joins and transformations operated on smaller working datasets and consumed less compute.
Technical changes were made only after understanding the financial rules and were validated with business-defined input and expected-output tests.
Outcome
The optimization reduced execution time by 45% from an original runtime of approximately four hours. Earlier filtering, improved join strategies and the removal of redundant transformations reduced the amount of data processed and improved compute efficiency. PyTest-based unit tests helped ensure that the optimized SQL logic continued to produce the business-expected DPD results.