Plaid
Staff Business Analyst - Credit
San Francisco HQ · Staff+
Sponsorship not specifiedDetected 21 days ago
Data ScienceUnderwriting
About the role
- We believe that the way people interact with their finances will drastically improve in the next few years.
- 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.
Responsibilities
- Own the process for creating hands-on recommendations for incorporating cash flow insights into lending decisions, using best practices for account-level decisioning
- Serve as a subject matter expert on Plaid's credit insights and credit policy implementation in support of Data Science, Engineering, and Go-to-Market teams
- To support that mission, we seek to build a diverse team of driven individuals who care deeply about making the financial ecosystem more equitable.
Requirements
- 6-10 years of relevant experience in business analysis, credit risk, underwriting, or a related function
- Demonstrated ability to make data-driven decisions
- Deep understanding of credit risk and the development of underwriting models
- Hands-on credit expertise building and maintaining real-world credit policies for lenders
- Knowledge of the lending lifecycle and how to optimize each step, including marketing, acquisitions, customer management, and collections or recoveries
Nice to have
- experience applying cash flow-based underwriting or alternative data within consumer or SMB lending
- We recognize that strong qualifications can come from both prior work experiences and lived experiences.
- We encourage you to apply to a role even if your experience doesn't fully match the job description.
- Plaid is proud to be an equal opportunity employer and values diversity at our company.
- 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.
- Nice to have: experience applying cash flow-based underwriting or alternative data within consumer or SMB lending
Skills
- Plaid powers the tools millions of people rely on to live a healthier financial life.
- Plaid's network covers 12,000 financial institutions across the US, Canada, UK and Europe.
- What excites you
Compensation
- Additional compensation in the form(s) of equity and/or commission are dependent on the position offered.
Company info
- Partner cross-functionally to ensure Plaid's credit solutions are practical, scalable, and impactful for customers
- Help customers optimize how they use alternative data across the lending lifecycle
- Our mission at Plaid is to unlock financial freedom for everyone.
- We are always looking for team members that will bring something unique to Plaid!
This listing is sourced directly from Plaid's careers page and normalized into a canonical job model.