Experienced Data Scientist - Risk Engineering/Platform

Remote | Full-time

We build simple yet innovative consumer products and developer APIs that shape how everybody interacts with money and the financial system.

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

The Credit & Payment Data Science team is responsible for serving Plaid’s product analytics, experimentation and modeling needs for Credit and Payment Risk/Transfer GBTs. Data scientists can either work on projects internal to the Data Science team or be embedded in teams across the Plaid organization, to enable and accelerate those teams’ data science efforts.

Product Analytics & Data Science Responsibilities:

  • Apply your expertise in quantitative analysis, data mining, and data presentation to find insights for customer engagement with our API products
  • Build the framework and monitoring tools to define and track growth and risk metrics for payment transfer ( Guaranteed ACH) processing (provide reporting that helps customers understand G ACH return performance over time (and lift SIgnal provides) 
  • Build the ACH return decision strategy for payment transfer ( Guaranteed ACH) leveraging machine learning models and features
  • Validate and evaluate machine learning model performance and training data quality 
  • Collaborate with product, engineering, product designers, and other data scientists to develop and implement testing framework for external data products and experiments for new product hypotheses
  • Inform and influence product and engineering teams through your data analysis and presentations

Customer Support and Growth Responsibilities

  • Provide analytical support and partner with the product growth team to effectively promote high customer conversion, product adoption, and retention experiences.
  • Create documentation and customer success enablement materials with a heavy focus on machine learning applications

What excites us

  • 5+ years of industry experience in a Product Data Science role
  • Experience articulating product questions, querying and processing large datasets with SQL,  and using statistics and data visualization tools to arrive at a finding
  • Experience building credit or fraud risk strategies for lending or payment products at a financial service company
  • Experience in working with machine learning models (e.g., regression, tree based models)
  • Proficiency doing quantitative analysis with python
  • Bachelor's degree or equivalent work experience in Computer Science, Mathematics, Statistics, Operations Research, 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

Please review our Candidate Privacy Notice here.
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