Staff Data Scientist - Credit
We believe that the way people interact with their finances will drastically improve in the next few years. We’re dedicated to empowering this transformation by building the tools and experiences that thousands of developers use to create their own products. Plaid powers the tools millions of people rely on to live a healthier financial life. We work with thousands of companies like Venmo, SoFi, several of the Fortune 500, and many of the largest banks to make it easy for people to connect their financial accounts to the apps and services they want to use. Plaid’s network covers 12,000 financial institutions across the US, Canada, UK and Europe. Founded in 2013, the company is headquartered in San Francisco with offices in New York, Washington D.C., London and Amsterdam.
About the team
Our Credit team mission is to power access to more affordable credit products. We believe that bank data is the missing piece of the puzzle when it comes to credit. We empower consumers to share data that helps create a more holistic financial picture, and we provide lenders the tools to streamline their credit decisions.
Responsibilities
- Own the process for creating hands-on recommendations for incorporating cash flow insights into lending decisions, using best practices for account-level decisioning
- Improve customer usage of Plaid insight data through adoption of custom solutions tailored to specific customer needs
- Serve as a subject matter expert on Plaid’s credit insights and credit policy implementation in support of Data Science, Engineering, and Go-to-Market teams
- Translate lender objectives and credit strategies into actionable decisioning recommendations
- Partner cross-functionally to ensure Plaid’s credit solutions are practical, scalable, and impactful for customers
- Help customers optimize how they use alternative data across the lending lifecycle
Qualifications
- 6–10 years of relevant experience in business analysis, credit risk, underwriting, or a related function
- Deep understanding of credit risk and the development of underwriting models
- Hands-on credit expertise building and maintaining real-world credit policies for lenders
- Knowledge of the lending lifecycle and how to optimize each step, including marketing, acquisitions, customer management, and collections or recoveries
- Demonstrated ability to make data-driven decisions
- Nice to have: experience applying cash flow-based underwriting or alternative data within consumer or SMB lending
Skills
This role is well suited for someone with deep credit risk expertise who can connect underwriting strategy, data-driven decisioning, and customer needs to drive better lending outcomes.
Benefits
- Comprehensive benefit plan, including medical, dental, vision, and 401(k)
- Additional compensation in the form(s) of equity and/or commission, dependent on the position offered
Pay
$207,600.00 - $306,600.00 per year