Staff Data Scientist - Credit

About the company

Plaid provides API-based infrastructure that connects fintech applications to users’ bank accounts while offering additional services like payments and fraud detection.

About this role

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. OUR 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. WHAT EXCITES YOU As a Staff Business Analyst on the Credit team, you will build bespoke solutions for customers using cash flow-based insights within credit decisioning. You will own the process for translating Plaid’s credit insights into practical, hands-on recommendations for lenders. You will work closely with customers and cross-functional partners to help improve adoption of Plaid insight data, shape customer-specific solutions, and serve as a subject matter expert on credit policy implementation. 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. 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 Our mission at Plaid is to unlock financial freedom for everyone. To support that mission, we seek to build a diverse team of driven individuals who care deeply about making the financial ecosystem more equitable. We recognize that strong qualifications can come from both prior work experiences and lived experiences. We encourage you to apply to a role even if your experience doesn't fully match the job description. We are always looking for team members that will bring something unique to Plaid! Plaid is proud to be an equal opportunity employer and values diversity at our company. We do not discriminate based on race, color, national origin, ethnicity, religion or religious belief, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender, gender identity, gender expression, transgender status, sexual stereotypes, age, military or veteran status, disability, or other applicable legally protected characteristics. We also consider qualified applicants with criminal histories, consistent with applicable federal, state, and local laws. Plaid is committed to providing reasonable accommodations for candidates with disabilities in our recruiting process. If you need any assistance with your application or interviews due to a disability, please let us know at accommodations@plaid.com. Please review our Candidate Privacy Notice here https://plaid.com/legal/#candidate-privacy-notice. Additional compensation in the form(s) of equity and/or commission are dependent on the position offered. Plaid provides a comprehensive benefit plan, including medical, dental, vision, and 401(k). Pay is based on factors such as (but not limited to) scope and responsibilities of the position, candidate's work experience and skillset, and location. Pay and benefits are subject to change at any time, consistent with the terms of any applicable compensation or benefit plans.