Plaid Data Scientist on Plaid's Credit team applying quantitative analysis and credit expertise to improve lending decisions. Develops models, insights, and recommendations using financial data.
Responsibilities
As a Data Scientist on the Credit team, you’ll apply quantitative analysis and deep credit expertise to help lenders make better use of cash flow insights. You’ll work across customer problems, credit policy, and data products—translating Plaid’s data into recommendations and insights that drive business impact and inform product direction.
Deep-dive into model performance for clients, triage issues, and identify opportunities to improve outcomes.
Analyze Plaid’s unique data to identify emerging credit risk signals and build and evaluate credit retrospectives.
Create tailored recommendations for clients based on their data and Plaid’s insights.
Build and maintain data pipelines, including ETL processes using tools such as dbt.
Develop metrics, alerts, and dashboards to monitor production machine learning model performance.
Own the process of developing hands-on recommendations for incorporating cash flow insights into lending decisions, using best practices for account-level decisioning.
Improve customer adoption of Plaid Insights through custom analysis tailored to each customer’s needs.
Serve as a subject matter expert on credit insights and credit policy implementation, supporting Data Science, Engineering, and Go-to-Market partners.
Apply your expertise in quantitative analysis, data mining, and data visualization to develop models and actionable insights.
Identify useful signals that can inform machine learning models.
Inform and influence Product and Engineering teams through clear analysis and presentations.
Qualification
Preferred
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.
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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.
