Data Scientist - Credit (Retros)
Plaid is a financial data network and fintech infrastructure company that helps people securely connect financial accounts to digital financial services.
Funding history
Projects
About Plaid Inc.
Plaid provides developer infrastructure and financial tools for account connectivity, financial data access, bank payments, identity verification, AML monitoring, credit and underwriting, and fraud prevention. Its network supports thousands of fintech companies and more than 12,000 financial institutions across the United States, Canada, the United Kingdom, and Europe.
Skills
Candidate Availability
Required and preferred rules are kept separate and reflect the wording in the original posting.
About the Role
You will analyze credit data and model performance to identify risk signals and improve lending outcomes. You will develop customer-specific recommendations, build and maintain data pipelines, monitor production models, and communicate actionable insights that guide product and engineering decisions.
Requirements
- 2–5 years of industry experience in a financial services data science role
- SQL
- Python
- Credit risk and underwriting model development
- Experience building and maintaining credit policies for lenders
- Knowledge of the lending lifecycle, including marketing, acquisition, customer management, and collections or recoveries
- Data-driven decision-making
- Experience building data pipelines and automating ETL processes with dbt or similar tools
Responsibilities
- Analyze client model performance, triage issues, and identify improvement opportunities
- Identify emerging credit risk signals and evaluate credit retrospectives
- Create tailored client recommendations using data and credit insights
- Build and maintain data pipelines and ETL processes
- Develop metrics, alerts, and dashboards for production machine learning models
- Develop recommendations for incorporating cash flow insights into lending decisions
- Improve customer adoption through custom analysis
- Serve as a subject matter expert on credit insights and credit policy
- Develop models and actionable insights using quantitative analysis, data mining, and visualization
- Identify signals for machine learning models
- Inform product and engineering decisions through analysis and presentations
Benefits
- Equity
- Medical insurance
- Dental insurance
- Vision insurance
- 401(k)
