Staff Data Scientist (Credit)

• 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
• 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

Benefits

• Vibrant offices in SF, NYC, and Raleigh-Durham—with catered meals, happy hours, and clubs to keep you connected
• Competitive pay, comprehensive health benefits, and support for fertility, mental health, and parental leave
• Lifestyle perks including home office stipends, daycare support, and commuting benefits like CitiBike and Lyft- Deep understanding of credit risk and the development of underwriting models
• Hands-on credit expertise building and maintaining real-world credit policies for lenders
• Demonstrated ability to make data-driven decisions
• 6–10 years of relevant experience in business analysis, credit risk, underwriting, or a related function
• Knowledge of the lending lifecycle and how to optimize each step, including marketing, acquisitions, customer management, and collections or recoveries
• Nice to have: experience applying cash flow-based underwriting or alternative data within consumer or SMB lending
• 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!