Senior Data Scientist - Credit

Plaid

Actively hiring Verified listing
San Francisco Hq, US Posted 14 days ago $190,800–$262,800 / year
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At a glance

AI generated

TL;DR

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 Plaid’s unique financial data. Your daily tasks include developing cash flow models, conducting custom analyses for customer needs, and improving the adoption of Plaid’s credit insights through detailed performance evaluations and model optimizations. You’ll leverage SQL and Python extensively while collaborating with engineering to automate workflows and refine data pipelines. Ideal candidates have 4+ years of experience in financial services or fintech, a strong grasp of credit risk models, and hands-on experience with lender policies and the lending lifecycle.

Skills

SQL Python credit_risk underwriting_model_development model_monitoring automation data_tooling large_scale_financial_datasets

What you'll do

  • Own hands-on recommendations for integrating cash flow insights into lending decisions.
  • Enhance 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.
  • Develop and utilize credit retros to assess outcomes and guide recommendations.
  • Create features, metrics, and monitoring tools to enhance 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 effectively to stakeholders.
  • Knowledge of the lending lifecycle and optimization across acquisition, underwriting, customer management, and collections.
  • Experience working directly with lenders or credit products, translating analysis into actionable recommendations.

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.

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