Data Scientist - Credit (Retros) (Fintech)

Data Scientist - Credit (Retros)

Company

Plaid Inc.

Conditions

6 days agoSalary: 176K - 227K

Skills

Candidate Availability

Required and preferred rules are kept separate and reflect the wording in the original posting.

About the Role

You will analyze credit data and model performance to identify risk signals and improve lending outcomes. You will develop customer-specific recommendations, build and maintain data pipelines, monitor production models, and communicate actionable insights that guide product and engineering decisions.

Requirements

• 2–5 years of industry experience in a financial services data science role
• SQL
• Python
• Credit risk and underwriting model development
• Experience building and maintaining credit policies for lenders
• Knowledge of the lending lifecycle, including marketing, acquisition, customer management, and collections or recoveries
• Data-driven decision-making
• Experience building data pipelines and automating ETL processes with dbt or similar tools

Responsibilities

• Analyze client model performance, triage issues, and identify improvement opportunities
• Identify emerging credit risk signals and evaluate credit retrospectives
• Create tailored client recommendations using data and credit insights
• Build and maintain data pipelines and ETL processes
• Develop metrics, alerts, and dashboards for production machine learning models
• Develop recommendations for incorporating cash flow insights into lending decisions
• Improve customer adoption through custom analysis
• Serve as a subject matter expert on credit insights and credit policy
• Develop models and actionable insights using quantitative analysis, data mining, and visualization
• Identify signals for machine learning models
• Inform product and engineering decisions through analysis and presentations

Benefits

• Equity
• Medical insurance
• Dental insurance
• Vision insurance
• 401(k)

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