Job Description
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. Description of the team We build credit models, retros, and decisioning insights that help lenders make better underwriting decisions using Plaid’s unique data. We partner closely across data science, engineering, product, and go-to-market teams to turn cash flow and account-level signals into clear, actionable recommendations for customers. We care deeply about combining technical rigor, business impact, and customer empathy to improve how credit decisions are made. Description of the role You’ll be an experienced data scientist focused on credit analytics and underwriting insights at Plaid. You will work across modeling, retros, customer analysis, and product feedback loops to help lenders better understand and adopt Plaid’s credit insights. This role is a strong fit for someone who enjoys applying quantitative analysis to real lending decisions, partnering cross-functionally, and translating complex data into recommendations that drive customer and business impact. Responsibilities Own hands-on recommendations for incorporating cash flow insights into lending decisions, including best practices for account-level decisioning. Improve customer adoption of Plaid insights data through custom analysis
