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.

Plaid’s Data team is building models that improve how millions of users understand and grow their financial lives. We're looking for data scientists with experience applying state-of-the-art machine learning and modeling techniques -- including natural language processing, anomaly detection, optimization, and time series forecasting -- toward different product areas. We value not only technical know-how, but also creativity, user empathy, and teamwork

As a Data Scientist on Plaid’s Data organization, you’ll tackle diverse, high-impact challenges that blend data insights with machine learning innovation. You’ll use data to drive key business decisions, shape product direction, and evaluate or improve the performance of production ML systems. This role offers the opportunity to work across analytical and technical domains, partnering closely with product and engineering teams to deliver measurable impact.

If you’re excited about building state-of-the-art data and machine learning solutions that help unlock financial freedom for everyone, we’d love to hear from you!

• Working closely with clients both pre and post-sales to help evaluate product offerings and craft risk mitigation strategies to optimize use (e.g. via retro analysis)
• Deep dive and triage model(s) performance for clients and identify opportunities for improvements
• Explore Plaid’s unique data to identify emerging credit risk vectors
• Developing new features to improve ML risk models
• Building data pipelines using tools like DBT to automate ETL processes
• Developing new features to improve ML risk models
• Crafting metrics, alerts, and dashboards to monitor ML production model performance

• 1-4 years of experience as a data scientist or related role
• Understanding of credit risk and the development of underwriting models
• Hands on credit expertise building and maintaining actual credit policies for lenders.
• Knowledge of lending lifecycle and how to optimize each step (marketing, acquisitions, customer management, collections/recoveries)
• Understanding how to use credit models in decisioning. 
• Demonstrated ability to make data driven decisions

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 [email protected].

Please review our Candidate Privacy Notice here.