Senior Credit Risk Manager, Plaid

• 8+ years of experience in credit risk underwriting, financial risk, or exposure management within a payments processor, fintech, or lending institution
• Hands-on experience owning or designing credit underwriting frameworks, including policies, scorecards, onboarding standards, periodic reviews, and exception handling
• Deep understanding of ACH payments and return risk, including settlement timing, unauthorized returns, and liquidity exposure; experience with multiple payment rails is a plus
• Proven ability to assess customer solvency and business-model risk, particularly for startups, fintechs, platforms, lenders, or crypto businesses
• Strong analytical skills, with the ability to evaluate portfolio-level exposure, concentration risk, and loss scenarios
• Experience building and maintaining executive-level risk reporting, dashboards, and KPIs (e.g., exposure, reserves, loss forecasting)
• Demonstrated judgment and decision-making ability in high-stakes, ambiguous risk scenarios involving customer exceptions or tradeoffs between growth and risk
• Excellent cross-functional collaboration skills, with experience partnering with Operations, Product, Compliance/AML, Finance, and Engineering
• Clear written and verbal communication skills, including the ability to translate complex risk concepts into actionable guidance and policies for non-risk stakeholders
• 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!

Desirable

• As a Senior Credit Risk Manager on the Transfer Operations team, you will own the portfolio-level credit risk management of Plaid Transfer, helping ensure that money movement remains fast, reliable, and financially safe as the business scales
• You will design and operate Plaid’s Transfer credit risk underwriting program. You’ll build and evolve underwriting policies, scorecards, and playbooks for customer onboarding, periodic reviews, and exception handling, especially for complex use cases such as platforms, lenders, crypto, and customers requesting faster settlement or liquidity fronting
• You will make high-impact risk decisions every day. You’ll evaluate customer solvency, liquidity, and business-model risk, determine appropriate holds, limits, reserves, and prefunding requirements, and partner closely with Operations to manage escalations and incidents when risk signals emerge
• You will bring structure and visibility to portfolio risk. You’ll monitor aggregate exposure across the Transfer customer base, identify concentration and emerging risks, and produce clear executive reporting on exposure, reserves, and loss forecasts in partnership with Finance
• You will enable teams to execute risk consistently at scale. You’ll train and support customer oversight teams, create self-serve documentation and guidance, and work with Product and Engineering to translate risk policy into tooling and automated controls
• You will be a trusted partner across the organization. You’ll collaborate with Product, Engineering, Finance, AML, Compliance, and senior leadership to balance growth, customer experience, and risk, helping Plaid confidently support new products and customers while protecting the company’s balance sheet
• Own Transfer’s credit risk underwriting program, including policies, scorecards, and playbooks for customer onboarding, periodic reviews, and exception handling enabling consistent, high quality risk decisions as the portfolio scales
• Manage portfolio-level financial exposure across ACH, RTP, and FedNow by monitoring customer activity, return behavior, liquidity risk, and solvency signals, reducing the likelihood of unexpected losses and balance-sheet shocks
• Evaluate complex and higher-risk use cases, such as crypto, lenders, platforms, and liquidity-fronted customers allowing Plaid to support new business models safely
• Partner with Transfer Operations on day-to-day risk decisions and escalations, including setting and adjusting holds, reserves, limits, and pre-funding requirements ensuring fast, coordinated responses to emerging risk events
• Develop and maintain executive-level risk reporting, including exposure tracking, reserve adequacy, and loss forecasting, improving leadership visibility and decision-making
• Enable operational scale through training and documentation, creating self-serve guides and decision frameworks for customer oversight teams driving consistency and reducing operational risk as volume grows
• Collaborate cross-functionally with Product, Engineering, AML/Compliance, and Finance to translate risk policy into tooling, workflows, and automated controls embedding risk management directly into the Transfer platform
• Continuously improve risk frameworks and tooling by incorporating data insights, post-mortems, and industry best practices, keeping Plaid’s risk posture aligned with evolving threats and growth objectives