Data Scientist - Credit

Full time

Employment Information

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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, Washington D.C., London and Amsterdam.

Plaid’s Machine Learning team is building models, services and platforms that improve how millions of users understand and grow their financial lives. We are looking for data scientists who can help our clients make the best use of our products and additionally uncover insights to power our machine learning roadmap.

You’ll be a data scientist on the Machine Learning Credit team, where you will work on supporting customers/clients to make the best use of the Plaid Credit product suite to manage credit risk in their portfolios. This will entail conducting and analyzing retros for clients, identifying credit risk strategies that show performance lift and collecting key customer feedback to evolve our product roadmap.


  • Engaging closely with prospects and customers to solve credit risk challenges
  • Applying your expertise in quantitative analysis, data mining, and data visualization to find insights for improving our API products
  • Identifying useful signals that can be fed into machine learning models
  • Diving deep into the behavior and performance of large scale machine learning models to discover new opportunities of improvements and experimentation
  • Informing and influencing product, engineering teams and customers through your data analysis and presentations
  • Making long-term data science roadmap decisions like how machine learning and data science iteration should be done at Plaid
  • Championing a data-first approach toward decision-making across the entire organization


  • 5+ years of industry experience in a product focused Data Science role
  • Proven experience in credit risk attributes/modeling, preferably within the fintech industry
  • Deep familiarity with SQL and data visualization tools
  • Ability to code and iterate independently in Python and utilize common data infrastructure tools like Jupyter notebooks, standard ML libraries, Spark, etc
  • Familiarity with AWS stack
  • Understanding of modern machine learning techniques, such as classification, clustering, optimization, deep neural network, and natural language processing
  • Proven ability to tailor your solutions to business problems in a cross-functional team
  • Data engineering experience and data pipeline tooling (e.g. Airflow, DBT) experience is a plus
  • Bachelor’s degree or equivalent work experience in Computer Science, Statistics, Engineering, Economics, or a closely related field

$154,000.00 - $232,200.00 per year

Target base salary for this role is between $154,000 and $232,000 per year. 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.

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

Please review our Candidate Privacy Notice here.


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