Senior Data Scientist - Finance Management at Plaid

San Francisco, California, United States

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Not SpecifiedCompensation

Senior (5 to 8 years)Experience Level

Full TimeJob Type

UnknownVisa

Fintech, FinanceIndustries

Requirements

5+ years of experience in applied analytics, decision science, or risk modeling, ideally within credit, lending, or payments
Strong ability to analyze and interpret large-scale financial datasets (transactions, balances, repayment behaviors) to generate insights
Proficiency in SQL, Python, and data visualization/analysis tools
Experience in model performance evaluation, monitoring, and feature development for credit or risk models
Ability to partner with customers and internal stakeholders to translate data insights into repayment strategies and product improvements
A track record of owning projects end-to-end and driving measurable business or customer impact
Familiarity with financial services, fintech, or EWA/payroll products is a strong plus
Advanced degree or equivalent work experience in Statistics, Economics, Mathematics, Data Science, or a related field

Responsibilities

Shape Plaid’s first zero-to-one repayment risk framework for earned wage access, setting a new industry standard
Empower millions of workers with safer, more accessible EWA products by helping partners manage repayment risk responsibly
Dive deep into Plaid’s unique transaction and balance data to uncover new repayment risk signals
Partner closely with customers to conduct retros and design repayment strategies, demonstrating real-world impact
Experiment with new modeling approaches and features tailored for short-term liquidity and repayment behavior
Build dashboards and monitoring frameworks that bring transparency to repayment risk and model performance
Collaborate across product, engineering, and data teams to scale Plaid’s EWA risk solutions and improve product-market fit
Join a high-ownership, bottom-up driven team building the leading EWA score to surpass competitors in the space

Skills

Key technologies and capabilities for this role

dbtETLdata pipelinesrisk modelingpredictive modelingdashboardsmetricsSQLmachine learningdata analysis

Questions & Answers

Common questions about this position

What experience is required for the Senior Data Scientist role?

Candidates need 5+ years of experience in applied analytics, decision science, or risk modeling, ideally within credit, lending, or payments, along with a strong ability to analyze and interpret large-scale financial datasets like transaction data.

What is the salary or compensation for this position?

This information is not specified in the job description.

Is this role remote or does it require office work?

This information is not specified in the job description.

What is the team culture like for the EWA team at Plaid?

The EWA team is high-ownership and bottom-up driven, focused on building the leading EWA score to surpass competitors while collaborating across product, engineering, and data teams.

What makes a strong candidate for this Data Scientist position?

Strong candidates have 5+ years in applied analytics, decision science, or risk modeling in finance areas like credit or lending, plus experience analyzing large-scale financial datasets and partnering across teams.

Plaid

Connects financial accounts to apps securely

About Plaid

Plaid simplifies financial data management for individuals and businesses by connecting various financial accounts to apps and services. Its main product is a set of APIs that allow developers to integrate financial data into their applications, enabling users to track spending, initiate payments, and access financial services all in one place. Plaid serves a wide range of clients, including app developers and financial institutions, and is used by popular apps like LendingTree and Square. Unlike many competitors, Plaid focuses on providing a comprehensive and scalable platform that supports various financial use cases, such as transactions and identity verification. The company's goal is to enhance the way users interact with their financial data, making it easier and more secure.

San Francisco, CaliforniaHeadquarters

2013Year Founded

$714.3MTotal Funding

SERIES_DCompany Stage

Fintech, Financial ServicesIndustries

1,001-5,000Employees

Benefits

We've got you covered: From medical, life, and 401ks, we’re here to support your physical, mental, and financial wellbeing.

Everyone is an owner: We want everyone to feel ownership over their work - literally, which is why we offer equity to full-time Plaids.

Vacation your way: We want to make sure you have time to meet your personal needs with unlimited PTO and two weeks of synchronous, company-wide vacation.

Grow your skills: Every Plaid is in control of their career development with our learning stipends, tools, and trainings.

Risks

Increased competition from API-based banking solutions like FIS's Code Connect platform.

Potential legal challenges, such as PNC's lawsuit over trademark issues.

Demand for enhanced transparency and security in financial data sharing.

Differentiation

Plaid offers seamless financial data integration through robust APIs for diverse clients.

Plaid's Pay by Bank for Bill Pay provides a cost-effective recurring payment solution.

Plaid's strategic partnerships enhance its value proposition in payroll and payment sectors.

Upsides

Plaid's expansion into the Triangle area indicates growth and increased hiring potential.

Partnership with Dwolla enhances Plaid's presence in the secure payments sector.

Collaboration with Ansa expands market reach through pay-by-bank capabilities for merchants.

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