Plaid’s Data team builds models that help millions of people better understand and grow their financial lives. We’re looking for Machine Learning Engineers who have experience applying modern machine learning techniques—such as natural language processing, anomaly detection, optimization, and time series forecasting—across a range of product areas. We value not only strong technical expertise, but also creativity, user empathy, and a collaborative mindset.
You’ll be a data scientist as a part of the Data org, contributing to diverse, high-impact data insights and machine learning challenges. Specifically, you will focus on driving business impact, and production directions through data analysis and potentially help evaluate and improve ML solutions and systems. If you're interested in building state-of-the-art Data/ML solutions to unblock financial freedom for everyone, let's chat!
Responsibilities:
- Own the process for creating hands on recommendations for incorporating cash flow insights into lending decision using best practice for account level decisioning.
- Improve customer usage of Plaid insights data through custom analysis adoption specific customer need.
- Act as a subject matter expert for our credit insights credit policy implementation supporting data science, engineering, Go-to-Market.
- Applying your expertise in quantitative analysis, data mining, and data visualization to build models and insights.
- Identifying useful signals that can be fed into machine learning models.
- Informing and influencing product and engineering teams through your data analysis and presentations.
Qualification:
- 5–10 years of experience in data science within the financial services industry.
- Deep familiarity with SQL and python.
- Deep understanding of credit risk and the development of underwriting models
- Hands on credit expertise building and maintaining actual credit policies for lenders
- Knowledge of lending lifecycle and how to optimize each step (marketing, acquisitions, customer management, collections/recoveries)
- Demonstrated ability to make data driven decisions
The target base salary for this position ranges from $190,800/year to $286,800/year in [Zone 1]. The target base salary will vary based on the job's location.
Our geographic zones are as follows:
Zone 1 - San Francisco / New York City / Seattle
The base salary range listed for this full-time position excludes commission (if applicable), equity and benefits. The pay range shown on each job posting is the minimum and maximum target for new-hire salaries. Actual pay may be higher or lower depending on factors like skills, experience, and relevant education or training.
Other opportunities
- See role
London
Engineering Manager - Europe
- See role
London
Software Engineer - Europe
- See role
London
Staff Software Engineer - Europe
- See role
New York
Analytics Engineer
- See role
New York
Data Scientist - Network Value
- See role
New York
Engineering Manager - Data Partner Experience
- See role
New York
Experienced Engineering Manager, Network Enablement and Access (NEA)
- See role
New York
FinOps Program Manager
- See role
New York
Integrations Operations Program Manager
- See role
New York
Macro & Credit Research Economist
- See role
New York
Senior Data Scientist - Data Foundations & AI
- See role
New York
Senior Developer Relations Engineer - Customer Growth and Experience
- See role
New York
Senior Machine Learning Engineer - Payments
- See role
New York
Senior Machine Learning Engineer (Research Scientist) - Data Foundation & AI
- See role
New York
Senior Software Engineer - Backend
- See role
New York
Senior Software Engineer - Fullstack
- See role
New York
Senior Software Engineer - ML Infrastructure
- See role
New York
Software Engineer
- See role
San Francisco
Analytics Engineer
- See role
San Francisco
Data Scientist - Network Value
- See role
San Francisco
Experienced Engineering Manager, Network Enablement and Access (NEA)
- See role
San Francisco
FinOps Program Manager
- See role
San Francisco
Integrations Operations Program Manager
- See role
San Francisco
Macro & Credit Research Economist
- See role
San Francisco
Senior Data Engineer - Data Engineering
- See role
San Francisco
Senior Data Scientist - Data Foundations & AI
- See role
San Francisco
Senior Developer Relations Engineer - Customer Growth and Experience
- See role
San Francisco
Senior Machine Learning Engineer - Payments
- See role
San Francisco
Senior Machine Learning Engineer (Research Scientist) - Data Foundation & AI
- See role
San Francisco
Senior Software Engineer - AI Applications
- See role
San Francisco
Senior Software Engineer - Backend
- See role
San Francisco
Senior Software Engineer - Data Infrastructure
- See role
San Francisco
Senior Software Engineer - Fullstack
- See role
San Francisco
Senior Software Engineer - ML Infrastructure
- See role
San Francisco
Senior Software Engineer - Network Enablement (Applied ML)
- See role
San Francisco
Software Engineer
- See role
San Francisco
Software Engineer - Platform
- See role
San Francisco
Staff Software Engineer - AI Applications
- See role
San Francisco
Staff Software Engineer - Online Storage
- See role
Seattle, WA
Experienced Engineering Manager, Network Enablement and Access (NEA)
- See role
Seattle, WA
FinOps Program Manager
- See role
Seattle, WA
Integrations Operations Program Manager
- See role
Seattle, WA
Senior Data Engineer - Data Engineering
- See role
Seattle, WA
Senior Data Scientist - Data Foundations & AI
- See role
Seattle, WA
Senior Developer Relations Engineer - Customer Growth and Experience
- See role
Seattle, WA
Senior Machine Learning Engineer - Payments
- See role
Seattle, WA
Senior Machine Learning Engineer (Research Scientist) - Data Foundation & AI
- See role
Seattle, WA
Senior Software Engineer - Backend
- See role
Seattle, WA
Senior Software Engineer - Data Infrastructure
- See role
Seattle, WA
Senior Software Engineer - Fullstack
- See role
Seattle, WA
Software Engineer
- See role
Seattle, WA
Staff Software Engineer - Online Storage
- See role
United States
Senior Developer Relations Engineer - Customer Growth and Experience