As an experienced data scientist at Plaid, you will join a team dedicated to building credit models and decisioning insights that enhance lenders' underwriting decisions. Your day-to-day responsibilities include developing cash flow and account-level signals into actionable recommendations, improving customer adoption through tailored analysis, and collaborating with cross-functional teams to refine credit policies and risk models. You will leverage SQL and Python to analyze large-scale financial datasets, monitor model performance, and automate processes to enhance data pipelines. This role requires a deep understanding of credit risk and underwriting, as well as the ability to communicate complex analyses clearly to stakeholders across the organization.
Own hands-on recommendations for integrating cash flow insights into lending decisions.
Improve customer adoption of Plaid’s credit insights through tailored analysis.
Serve as a subject matter expert on credit insights and policy implementation.
Analyze model performance to identify improvements and emerging risks.
Build and utilize credit retros to evaluate outcomes and inform recommendations.
Develop features, metrics, and monitoring approaches for risk models.
What we're looking for
4+ years of experience in data science, credit risk, or analytical roles within financial services.
Deep expertise in SQL and Python for data analysis.
Strong understanding of credit risk and underwriting model development.
Hands-on experience with credit policy implementation for lenders.
Ability to translate complex data into actionable recommendations for stakeholders.
Familiarity with the lending lifecycle and optimization across various stages.
Market check
Salary context
This
$190,800–$262,800
range sits above
94%
of similar postings on FindRole.
Peer median band
$110,000–$216,000
Median floor and ceiling across peers.
Typical midpoint (25–75%)
$126,800–$188,750
Middle half of comparable postings.
Based on 240 comparable postings.*
* 240 is the maximum number of comparable postings sampled.
Employer
About Plaid
Plaid is a financial technology company that builds a data network powering digital finance applications, enabling consumers to securely connect their financial accounts to apps and services. Industry: Financial Technology & Data Infrastructure
Plaid currently has
127 open roles
on FindRole.
Listed pay typically runs
$186,000–$262,800
across 127 roles with salary data.