Staff Software Engineer - Credit Insights

Plaid Inc.; New York (NY); On-site; USD 150,000 - 210,000; Full time

Benefits offered by this job

Equity and/or commission

Medical, dental, vision, 401(k)

Job summary

Plaid Inc. is hiring for a backend architect to define and execute the Credit insights platform architecture. You will collaborate with Product, Data Science, and ML teams to scale insights powering holistic underwriting decisions.

You will mentor engineers, drive architectural decisions, and help build systems that support production ML models at large scale, with equity-based compensation and broader benefits."

Qualifications

• Experience building and scaling backend products.
• Strong leadership: mentoring peers, leading projects, architectural decisions.
• Proven ability to maintain production systems serving ML models in online/offline settings.
• Experience collaborating with cross-functional stakeholders across engineering teams.
• Nice-to-have: experience in credit or lending domains.

Responsibilities

• Define the future architecture of Credit insights products and drive the product roadmap.
• Lead data fetching, online feature serving, and offline pipelines for model training.
• Scale architecture to handle large increases in load and data volume.
• Mentor engineers and foster an inclusive team culture.

Skills

Backend systems

Technical leadership

ML model integration

Cross-functional collaboration

Credit domain (nice-to-have)

Job description

We believe that the way people interact with their finances will drastically improve in the next few years. We’re dedicated to empowering this transformation by building the tools and experiences that thousands of developers use to create their own products. Plaid powers the tools millions of people rely on to live a healthier financial life. We work with thousands of companies like Venmo, SoFi, several of the Fortune 500, and many of the largest banks to make it easy for people to connect their financial accounts to the apps and services they want to use. Plaid’s network covers 12,000 financial institutions across the US, Canada, UK and Europe. Founded in 2013, the company is headquartered in San Francisco with offices in New York, Seattle, Washington D.C., Raleigh, London, and Amsterdam.

We believe Plaid has the power to be the next-gen Credit Bureau - supporting large scale adoption of cash flow into the credit underwriting process.

The Credit Decisioning platform team is responsible for building best-in-class cashflow based insights products that enable lenders to make more holistic lending decisions and empower broader access to Credit products for prospective borrowers. We own the systems and tooling that form the platform to build and serve these insights at huge scale, partnering with our Data partners to release new products yearly.

You will be defining the future architecture of Credit insights products and executing against an ambitious product roadmap. You will partner with our Product, Data Science, and Machine Learning team to iterate on and productionize new insights that enable our customers to make more holistic lending decisions.

Responsibilities:

• Leading technical architecture and execution across credit insights products: everything from data fetching and online feature serving for API requests, to offline production pipelines and tooling for model training.
• Scaling and evolving the architecture through an expected ~100x increase in load from deterministic factors
• Collaborating closely with Product, Data Science, and Machine Learning partners to develop and scale insights products that enable Credit underwriting use cases
• Mentoring engineers and contributing to a strong, inclusive team culture.

Qualifications:

• Strong experience building and scaling backend products
• Strong technical leadership skills, including mentoring peers, leading projects and driving architectural decisions
• Demonstrated success in building and maintaining production systems that serve and support ML models, both in online and offline settings - as well as working closely with data science or ML teams
• Experience collaborating with cross-functional stakeholders and with teams and leaders across the engineering function
• [nice-to-have] Experience working in the credit or lending space

Our mission at Plaid is to unlock financial freedom for everyone. To support that mission, we seek to build a diverse team of driven individuals who care deeply about making the financial ecosystem more equitable. We recognize that strong qualifications can come from both prior work experiences and lived experiences. We encourage you to apply to a role even if your experience doesn't fully match the job description. We are always looking for team members that will bring something unique to Plaid!

Plaid is proud to be an equal opportunity employer and values diversity at our company. We do not discriminate based on race, color, national origin, ethnicity, religion or religious belief, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender, gender identity, gender expression, transgender status, sexual stereotypes, age, military or veteran status, disability, or other applicable legally protected characteristics. We also consider qualified applicants with criminal histories, consistent with applicable federal, state, and local laws. Plaid is committed to providing reasonable accommodations for candidates with disabilities in our recruiting process. If you need any assistance with your application or interviews due to a disability, please let us know at [e-mail].

Please review our Candidate Privacy Notice here.

Additional compensation in the form(s) of equity and/or commission are dependent on the position offered. Plaid provides a comprehensive benefit plan, including medical, dental, vision, and 401(k). Pay is based on factors such as (but not limited to) scope and responsibilities of the position, candidate's work experience and skillset, and location. Pay and benefits are subject to change at any time, consistent with the terms of any applicable compensation or benefit plans.