Staff Business Analyst - Credit
Plaid offers a platform that enables applications to connect with users' bank accounts, facilitating a wide range of financial services. They provide tools for payments, personal finance management, credit, and more, serving clients like Moneybox, Western Union, and Affirm. Their core product is an API that provides access to a vast network of financial institutions, allowing developers to build financial products and services.
Funding
Projects
About Plaid
Plaid is a financial technology company that enables applications to connect with users' bank accounts. It allows consumers and businesses to interact with their bank accounts, check balances, and make payments through other financial technology applications. Plaid's network connects to over 12,000 financial institutions across 20 markets, serving a global user base of over 100 million. The company provides APIs for developers to build solutions for personal financial management, credit, payments, business finances, iGaming, and property management. Key products include Auth for account verification, Link for connecting accounts, Transactions for accessing financial data, Balance for real-time checks, Assets for verifying assets, and Identity for user verification. Plaid focuses on increasing conversion, fighting fraud, and providing clean, organized financial data for smarter underwriting and other financial services.
Skills
About the Role
You will build bespoke solutions for customers using cash flow-based insights within credit decisioning. You will own the process for translating Plaid's credit insights into practical, hands-on recommendations for lenders. You will work closely with customers and cross-functional partners to help improve adoption of Plaid insight data, shape customer-specific solutions, and serve as a subject matter expert on credit policy implementation. This role is well suited for someone with deep credit risk expertise who can connect underwriting strategy, data-driven decisioning, and customer needs to drive better lending outcomes.
Requirements
- 6–10 years of relevant experience in business analysis, credit risk, underwriting, or a related function
- Deep understanding of credit risk and the development of underwriting models
- Hands-on credit expertise building and maintaining real-world credit policies for lenders
- Knowledge of the lending lifecycle and how to optimize each step, including marketing, acquisitions, customer management, and collections or recoveries
- Demonstrated ability to make data-driven decisions
- Nice to have: experience applying cash flow-based underwriting or alternative data within consumer or SMB lending
Responsibilities
- Own the process for creating hands-on recommendations for incorporating cash flow insights into lending decisions, using best practices for account-level decisioning
- Improve customer usage of Plaid insight data through adoption of custom solutions tailored to specific customer needs
- Serve as a subject matter expert on Plaid's credit insights and credit policy implementation in support of Data Science, Engineering, and Go-to-Market teams
- Translate lender objectives and credit strategies into actionable decisioning recommendations
- Partner cross-functionally to ensure Plaid's credit solutions are practical, scalable, and impactful for customers
- Help customers optimize how they use alternative data across the lending lifecycle
Benefits
- Medical, dental, vision, and 401(k)