Join Plaid’s data science team as a senior data scientist focused on credit analytics and underwriting insights, where you will work closely with cross-functional teams to enhance lenders’ decision-making processes using unique financial data. Your daily tasks include developing cash flow models, custom analyses for customer needs, and credit retrospectives to evaluate outcomes and inform recommendations. You’ll also build features and metrics that improve risk models and collaborate with engineering to automate workflows and refine data pipelines. Ideal candidates have 4+ years of experience in financial services or fintech, expertise in SQL and Python, a deep understanding of credit risk modeling, and the ability to communicate complex analyses clearly to stakeholders. Familiarity with large-scale datasets and modern data tooling is a plus.
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 or fintech.
Deep expertise in SQL and Python for data analysis and model development.
Strong understanding of credit risk and underwriting model development processes.
Hands-on experience building and maintaining credit policies for lenders.
Proven ability to make data-driven decisions and communicate recommendations clearly.
Knowledge of 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.