Experienced Data Scientist – Machine Learning (Credit)


  • Full Time

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, Salt Lake City, Washington D.C., London and Amsterdam. #LI-Remote

Plaid’s data science team is building models that improve how millions of users understand and grow their financial lives. We’re looking for data scientists with experience applying state-of-the-art machine learning and modeling techniques — including natural language processing, anomaly detection, optimization, and time series forecasting — toward different product areas. We value not only technical know-how, but also creativity, user empathy, and teamwork.

You’ll be a data scientist embedded on the Credit team, working on lending insights and credit risk assessment. In this position, you will enable broader, more inclusive and affordable access to credit for individuals by building a new, zero-to-one product and ultimately delivering the best risk assessment and lending insights solution for lenders and consumers. You’ll be collaborating closely with a skilled team of engineers on ingesting signals and productionizing these models, as well as directly interacting with our customers in this process. If you’re interested in lending, credit, underwriting and building models to predict behavior, let’s chat!

We’re guided by our principles, including impact, growing together, embracing openness and positivity, and inventing tomorrow; we’re looking for people motivated by those same principles.


What Excites You:


  • Making long-term data science roadmap decisions like how machine learning and data science iteration should be done at Plaid
  • Utilizing features of billions of transactions to help loan applicants access capital for personal and small-business loans and help consumers improve the safety and security of their financial accounts
  • Exploring new ways we can better equip users and clients with insights about spending, saving, and investing
  • Mentoring other data scientists and establishing a culture of modeling excellence
  • Championing a data-first approach toward decision-making across the entire organization

    What Excites Us:


  • 8+ years of industry experience developing machine learning models from inception to business impact. Proven ability to tailor your solutions to business problems in a cross functional team
  • Experience with credit and lending risk assessment, especially in a research context
  • Deep understanding of modern machine learning techniques and their mathematical models, such as classification, clustering, optimization, deep neural network and natural language processing
  • Ability to code and iterate independently on top of data infrastructure tools like Python,  Spark, Jupyter notebooks, standard ML libraries, etc
  • Strong product intuition and excitement to work fast and iteratively
  • Data analytics and data engineering experience is a plus
  • Bachelor’s degree or equivalent work experience in Computer Science, Mathematics, Engineering, Economics, or a closely related field





    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 application or interviews due to a disability, please let us know at accommodations@plaid.com.
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