Credit Insight Scientist for Lending Decisions

Plaid Inc.; New York (NY); On-site; USD 120,000 - 190,000; Full time

Job summary

Plaid Inc. is seeking a Data Scientist on the Credit team to apply quantitative analysis and credit expertise to help lenders leverage cash flow insights.

You will work across credit policy, data products, and lending decisions, translating Plaid's data into practical recommendations that drive business impact and inform product direction. Your day-to-day work includes evaluating model performance, identifying signals, and building tailored client insights, while collaborating with Data Science,

Qualifications

• 2-5 years of industry experience in a financial services Data Science role.
• Deep familiarity with SQL and Python.
• Deep understanding of credit risk and underwriting models.
• Hands-on credit expertise building and maintaining credit policies.

Responsibilities

• Deep-dive into model performance for clients, triage issues, and identify opportunities to improve outcomes.
• Analyze Plaid's data to identify emerging credit risk signals and build and evaluate credit retrospectives.
• Create tailored recommendations for clients based on their data and Plaid's insights.
• Build and maintain data pipelines, including ETL processes using dbt.
• Develop metrics, alerts, and dashboards to monitor production machine learning model performance.

Skills

SQL

Python

Credit risk

underwriting

Data-driven decisions

Tools

dbt

Job description

Plaid Inc. is seeking a Data Scientist on the Credit team to apply quantitative analysis and credit expertise to help lenders leverage cash flow insights.

You will work across credit policy, data products, and lending decisions, translating Plaid's data into practical recommendations that drive business impact and inform product direction. Your day-to-day work includes evaluating model performance, identifying signals, and building tailored client insights, while collaborating with Data Science,