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Data Scientist - Machine Learning - Credit

Data Scientist - Machine Learning - Credit
San Francisco, US
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Job Description

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, Washington D.C., London and Amsterdam. #LI-Hybrid

Plaid’s Machine Learning team is building models that improve how millions of users understand and grow their financial lives. We're looking for machine learning engineers 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 will be a machine learning engineer on the credit team focused on building and maintaining machine learning models to determine bank income insights or credit risk models.



  • Building and maintaining machine learning models to determine bank income insights or credit risk models.

  • Researching existing techniques in the industry and applying them.

  • Analyzing production & development model performance, building dashboards to visualize model performance and other characteristics.

  • Working with Data Infrastructure and the Insights engineering team to ingest new signals + improve ML.

  • Building and maintaining models pertaining to Credit products.

  • Help launch new Lending capabilities at Plaid.


  • ML theory

  • Understanding of common algorithms concepts

  • ML pipeline

  • Data cleaning/visualization

  • Featurization

  • Model selection

  • Evaluation

  • Coding with Python

  • Coding with SQL

  • Credit risk related experience

  • Proven experience in credit risk modeling


$154,800 - $232,200 a year

Target base salary for this role is between $154800 and $232200 per year. Additional compensation in the form(s) of equity and/or commission are dependent on the position offered. Plaid provides a comprehensive benefit plan, including medical, dental, vision, and 401(k). Pay is based on factors such as (but not limited to) scope and responsibilities of the position, candidate's work experience and skillset, and location. Pay and benefits are subject to change at any time, consistent with the terms of any applicable compensation or benefit plans.


Our mission at Plaid is to unlock financial freedom for everyone. To support that mission, we seek to build a diverse team of driven individuals who care deeply about making the financial ecosystem more equitable. 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. We are always looking for team members that will bring something unique to Plaid!

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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