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Senior Data Scientist - Credit

Plaid - San Francisco HQ, San Francisco, California, United States, Seattle Office, New York City Office

Posted May 15, 2026

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About this role

Senior Data Scientist - Credit San Francisco HQ, San Francisco, California, United States, Seattle Office, New York City Office 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. Description of the team We build credit models, retros, and decisioning insights that help lenders make better underwriting decisions using Plaid's unique data. We partner closely across data science, engineering, product, and go-to-market teams to turn cash flow and account-level signals into clear, actionable recommendations for customers. We care deeply about combining technical rigor, business impact, and customer empathy to improve how credit decisions are made. Description of the role You'll be an experienced data scientist focused on credit analytics and underwriting insights at Plaid. You will work across modeling, retros, customer analysis, and product feedback loops to help lenders better understand and

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