Senior Data Scientist - Network Value; Credit

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, Seattle, Washington D.C., Raleigh, London, and Amsterdam.

The Network Value Data Science team is helping Plaid build an industry-leading fintech consumer network with best-in-class products and user experiences. We are a product analytics team embedded in key product areas across Plaid. We support some of Plaid’s most important OKRs and help execute on product roadmaps. We translate ambiguous product questions into tractable analysis, serve as analytical thought partners throughout the org, identify opportunities to build better products, and champion a data-first decision-making approach everywhere we go.

You’ll be a Data Scientist supporting Credit, a critical product area within Plaid’s Network Value portfolio. You’ll become a data and analytical thought partner to product managers, engineers, and cross-functional stakeholders, helping shape Credit product strategy, improve product performance and user experience, and grow Plaid’s consumer network. You’ll translate business questions into analytics projects, perform ad-hoc and strategic analysis, improve visibility into core systems through data modeling and dashboarding, create OKRs and KPIs tied to business goals and user experiences, and support feature‑shipping decisions through experimentation.

You’ll also work with SQL, Python, Redshift, Databricks, notebooks, dbt, and Airflow to enable trustworthy analytics and scalable reporting.

Today, Plaid’s Credit business primarily supports income and asset verification solutions. As cash flow data becomes an increasingly important tool across the lender lifecycle - from acquisition through servicing - you’ll help build cash-flow-based products that enable lenders to approve more borrowers, reduce losses, and reach new segments.

• Champion a data-first approach to decision-making across Plaid and help teams use evidence to set direction.
• Partner closely with product managers, engineers, and other stakeholders to define problems, shape product strategy, and execute against roadmaps.
• Translate ambiguous business and product questions into clear analytics projects, decision frameworks, and measurable outcomes.
• Perform ad-hoc and strategic analyses that identify opportunities to improve product performance, user experiences, and business results.
• Build and maintain data models, dashboards, core metrics, OKRs, and KPIs that improve visibility into Credit’s systems and quantify progress against goals.
• Design and analyze experiments that inform feature launches, iteration, and ship decisions.
• Partner on dbt- and Airflow-powered data pipelines and use SQL, Python, Redshift, Databricks, and notebooks to create reliable, scalable analytics.
• Identify novel ways to influence top-line OKRs and help stakeholders make thoughtful prioritization, road mapping, and execution decisions.
• Over the next year, shape Credit product strategy, improve product performance and user experience, and contribute to growth of Plaid’s…