Senior Data Scientist - Credit

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. 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 Data team builds models that help millions of people better understand and grow their financial lives. We’re looking for Machine Learning Engineers who have experience applying modern machine learning techniques—such as natural language processing, anomaly detection, optimization, and time series forecasting—across a range of product areas.  We value not only strong technical expertise, but also creativity, user empathy, and a collaborative mindset. You’ll be a data scientist as a part of the Data org, contributing to diverse, high-impact data insights and machine learning challenges. Specifically, you will focus on driving business impact, and production directions through data analysis and potentially help evaluate and improve ML solutions and systems. If you're interested in building state-of-the-art Data/ML solutions to unblock financial freedom for everyone, let's chat! Responsibilities: - - Own the process for creating hands on recommendations for incorporating cash flow insights into lending decision using best practice for account level decisioning. - Improve customer usage of Plaid insights data through custom analysis  adoption specific customer need. - Act as a subject matter expert for our credit insights credit policy implementation supporting data science, engineering, Go-to-Market. - Applying your expertise in quantitative analysis, data mining, and data visualization to build models and insights. - Identifying useful signals that can be fed into machine learning models.   - Informing and influencing product and engineering teams through your data analysis and presentations. Qualification: - - 5–10 years of experience in data science within the financial services industry. - Deep familiarity with SQL and python. - Deep understanding of credit risk and the development of underwriting models - Hands on credit expertise building and maintaining actual credit policies for lenders - Knowledge of lending lifecycle and how to optimize each step (marketing, acquisitions, customer management, collections/recoveries) - Demonstrated ability to make data driven decisions 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 appl