Data Scientist, Plaid
Credit (Retros)
$176.4-226.8k
+ Offers Equity
1-5 days a week in office
Data network powering the tools millions of people rely on to live a healthier financial life
Be an early applicant
Data network powering the tools millions of people rely on to live a healthier financial life
1001+ employees
Be an early applicant
$176.4-226.8k
+ Offers Equity
1-5 days a week in office
1001+ employees
Company mission
To unlock financial freedom for everyone.
Role
Who you are
- 2–5 years of industry experience in a financial services Data Science role
- Deep familiarity with SQL and Python
- Deep understanding of credit risk and the development of underwriting models
- Hands-on credit expertise building and maintaining credit policies for lenders
- Knowledge of the lending lifecycle and how to optimize each step, including marketing, acquisition, customer management, and collections or recoveries
- Demonstrated ability to make data-driven decisions
- Nice to have: Experience building data pipelines and automating ETL processes with dbt or similar tools
- 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!
What the job involves
- As a Data Scientist on the Credit team, you’ll apply quantitative analysis and deep credit expertise to help lenders make better use of cash flow insights
- You’ll work across customer problems, credit policy, and data products—translating Plaid’s data into recommendations and insights that drive business impact and inform product direction
- Deep-dive into model performance for clients, triage issues, and identify opportunities to improve outcomes
- Analyze Plaid’s unique data to identify emerging credit risk signals and build and evaluate credit retrospectives
- Create tailored recommendations for clients based on their data and Plaid’s insights
- Build and maintain data pipelines, including ETL processes using tools such as dbt
- Develop metrics, alerts, and dashboards to monitor production machine learning model performance
- Own the process of developing hands-on recommendations for incorporating cash flow insights into lending decisions, using best practices for account-level decisioning
- Improve customer adoption of Plaid Insights through custom analysis tailored to each customer’s needs
- Serve as a subject matter expert on credit insights and credit policy implementation, supporting Data Science, Engineering, and Go-to-Market partners
- Apply your expertise in quantitative analysis, data mining, and data visualization to develop models and actionable insights
- Identify useful signals that can inform machine learning models
- Inform and influence Product and Engineering teams through clear analysis and presentations
- Applying data science and credit expertise to real-world lending decisions
- Working with Plaid’s unique financial data to uncover emerging credit risk signals and create useful customer insights
- Helping lenders make more informed decisions with cash flow data and account-level recommendations
- Partnering across Data Science, Engineering, Product, and Go-to-Market to turn analysis into customer and product impact
- Working on high-impact problems that can improve financial access and outcomes
Our take
Plaid builds infrastructure that allows consumers to interact with their bank account on the web through a number of third-party applications, like Venmo, Robinhood, Coinbase, Acorns and LendingClub.
Plaid has integrated with over 12,000 financial institutions in the US, Canada, the UK and Europe. And about a quarter of people living in North America with bank accounts have linked with Plaid through at least one of the hundreds of apps that leverage Plaid’s application program interfaces (APIs).
The platform allows companies to create financial services applications without having to hire their own team of engineers to build out a tool that connects apps to its users’ bank accounts. This is very valuable in a world where there are increasing number of fintechs, so the demand for Plaid's services are only going to grow.
Steph
Company Specialist at Welcome to the Jungle
Insights
Company
Funding (last 2 of 6 rounds)
Apr 2025
$575m
LATE VC
Apr 2021
$425m
SERIES D
Total funding: $1.3bn
Company benefits
- Vibrant offices in SF, NYC, and Raleigh-Durham—with catered meals, happy hours, and clubs to keep you connected
- Competitive pay, comprehensive health benefits, and support for fertility, mental health, and parental leave
- Lifestyle perks including home office stipends, daycare support, and commuting benefits like CitiBike and Lyft
Company HQ
SoMa, San Francisco, CA
Leadership
Zach Perret
(Co-Founder & CEO)Previously, Zach was a Consultant at Bain and a Research Fellow and Trustee at Duke before co-founding Plaid ion 2012.
Salary benchmarks
We don't have enough data yet to provide salary benchmarks for this role.
Submit your salary to help other candidates with crowdsourced salary estimates.
Share this job
View 108 more jobs at Plaid