Staff Data Scientist

• 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!