Senior Data Scientist - Credit

Plaid

Quick summary

Work type: On-site
Location: San Francisco, CASeattle, WANew York, NY
Salary: $190,800–$262,800 / yr
Posted: 36 days ago
Nearby: 99+ roles within 25 mi

Market check

Salary context

Above market

How this pay compares to similar roles

Similar $163k

This role $227k

$100k most similar roles pay here $280k

This role pays more than 90% of similar roles. Most pay $126,800–$199,387 — the shaded band above. At the midpoint, this role pays about $227k versus about $163k for comparable roles.

Based on 240 similar postings.

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 98 open roles on FindRole.

Listed pay typically runs $190,800–$262,800 across 98 roles with salary data.

Most-posted roles

View all roles at Plaid

At a glance

TL;DR · Senior Data Scientist - Credit

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As an experienced data scientist in Plaid’s credit analytics team, you will focus on enhancing underwriting insights and decision-making processes for lenders by leveraging unique financial data. Your daily tasks include developing best practices for incorporating cash flow signals into lending decisions, conducting custom analyses to boost customer adoption of Plaid’s insights, and collaborating with cross-functional teams to improve model performance and identify emerging credit risks. You will also work closely with engineering to automate workflows and enhance data pipelines, ensuring that risk models and insight delivery are continuously optimized. This role requires a strong background in SQL and Python, along with deep knowledge of credit risk and underwriting model development, making it ideal for someone passionate about applying quantitative analysis to real-world lending challenges at scale.

Skills

SQL Python Credit_Risk_Modeling Data_Pipelines Model_Monitoring Automation Large_Scale_Datasets Machine_Learning Feature_Engineering Metrics_Development Monitoring_Approaches Cloud_Storage CI/CD Docker Kubernetes Terraform PostgreSQL AWS

What you'll do

Own 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 improvement opportunities and emerging risks.
Build and utilize retros to assess outcomes and guide customer recommendations.
Develop features, metrics, and monitoring approaches 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 creation processes.
Practical experience in building and maintaining credit policies for lenders.
Knowledge of the entire lending lifecycle and optimization strategies across stages.
Proven ability to make data-driven decisions and effectively communicate recommendations.

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