高级数据科学家 - 网络价值（信用）
Senior Data Scientist - Network Value (Credit)
我们相信，人们与财务的互动方式将在未来几年发生巨大变化。我们致力于通过构建数千名开发者用来创建自己产品的工具和体验，推动这一变革。Plaid 为数以百万计的人们依赖的工具提供支持，帮助他们过上更健康的财务生活。我们与 Venmo、SoFi、多家财富 500 强公司以及许多大型银行合作，让人们能够轻松地将财务账户连接到他们想要使用的应用和服务。Plaid 的网络覆盖美国、加拿大、英国和欧洲的 12,000 家金融机构。公司成立于 2013 年，总部位于旧金山，在纽约、西雅图、华盛顿特区、罗利、伦敦和阿姆斯特丹设有办事处。
高级数据科学家 - 网络价值（信用）
网络价值数据科学团队正在帮助 Plaid 构建行业领先的金融科技消费者网络，打造一流的产品和用户体验。我们是一个嵌入 Plaid 关键产品领域的产品分析团队。我们支持 Plaid 最重要的 OKR，并帮助执行产品路线图。我们将模糊的产品问题转化为可操作的分析，作为整个组织的分析思想伙伴，发现改进产品的机遇，并在我们所到之处倡导以数据为先的决策方法。
你将作为数据科学家支持信用业务，这是 Plaid 网络价值组合中的关键产品领域。你将成为产品经理、工程师和跨职能利益相关者的数据和分析思想伙伴，帮助塑造信用产品策略，提升产品性能和用户体验，扩大 Plaid 的消费者网络。你将把业务问题转化为分析项目，进行临时性和战略性分析，通过数据建模和仪表板提高对核心系统的可见性，创建与业务目标和用户体验相关的 OKR 和 KPI，并通过实验支持功能发布决策。你还将使用 SQL、Python、Redshift、Databricks、笔记本、dbt 和 Airflow 来实现可信的分析和可扩展的报告。
目前，Plaid 的信用业务主要支持收入和资产验证解决方案。随着现金流数据在贷款人生命周期中（从获取到服务）变得越来越重要，你将帮助构建基于现金流的产品，使贷款人能够批准更多贷款。
查看英文原文
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, Seattle, Washington D.C., Raleigh, London, and Amsterdam.
SENIOR DATA SCIENTIST - NETWORK VALUE (CREDIT)
The Network Value Data Science team is helping Plaid build an industry-leading fintech consumer network with best-in-class products and user experiences. We are a product analytics team embedded in key product areas across Plaid. We support some of Plaid’s most important OKRs and help execute on product roadmaps. We translate ambiguous product questions into tractable analysis, serve as analytical thought partners throughout the org, identify opportunities to build better products, and champion a data-first decision-making approach everywhere we go.
You’ll be a Data Scientist supporting Credit, a critical product area within Plaid’s Network Value portfolio. You’ll become a data and analytical thought partner to product managers, engineers, and cross-functional stakeholders, helping shape Credit product strategy, improve product performance and user experience, and grow Plaid’s consumer network. You’ll translate business questions into analytics projects, perform ad-hoc and strategic analysis, improve visibility into core systems through data modeling and dashboarding, create OKRs and KPIs tied to business goals and user experiences, and support feature-shipping decisions through experimentation. You’ll also work with SQL, Python, Redshift, Databricks, notebooks, dbt, and Airflow to enable trustworthy analytics and scalable reporting.
Today, Plaid’s Credit business primarily supports income and asset verification solutions. As cash flow data becomes an increasingly important tool across the lender lifecycle - from acquisition through servicing - you’ll help build cash-flow-based products that enable lenders to approve more borrowers, reduce losses, and reach new segments.
WHAT EXCITES YOU
- Champion a data-first approach to decision-making across Plaid and help teams use evidence to set direction.
- Partner closely with product managers, engineers, and other stakeholders to define problems, shape product strategy, and execute against roadmaps.
- Translate ambiguous business and product questions into clear analytics projects, decision frameworks, and measurable outcomes.
- Perform ad-hoc and strategic analyses that identify opportunities to improve product performance, user experiences, and business results.
- Build and maintain data models, dashboards, core metrics, OKRs, and KPIs that improve visibility into Credit’s systems and quantify progress against goals.
- Design and analyze experiments that inform feature launches, iteration, and ship decisions.
- Partner on dbt- and Airflow-powered data pipelines and use SQL, Python, Redshift, Databricks, and notebooks to create reliable, scalable analytics.
- Identify novel ways to influence top-line OKRs and help stakeholders make thoughtful prioritization, roadmapping, and execution decisions.
- Over the next year, shape Credit product strategy, improve product performance and user experience, and contribute to growth of Plaid’s consumer network.
WHAT EXCITES US
MUST-HAVE QUALIFICATIONS
- 5–8+ years of experience as a Data Scientist or in a related analytics or data-focused role.
- Experience as a product data scientist helping grow an early-stage or consumer-facing product, ideally from 0 to 1.
- Experience with experimentation, ad-hoc analysis, and strategic insight generation in a product environment.
- Strong SQL skills and experience creating metrics that drive alignment and decision-making with stakeholders.
- Experience driving data-informed performance improvements for user-facing products.
- Experience building or partnering closely on data pipelines using tools such as Airflow and dbt.
- A track record of identifying novel ways to impact a top-line OKR and influencing stakeholders on prioritization, roadmapping, and/or execution.
- Strong communication skills and the ability to explain analytical methods, tradeoffs, and recommendations to product managers, engineers, and other cross-functional partners.
NICE-TO-HAVE QUALIFICATIONS
- Fintech experience, including experience working with raw fintech or financial transaction data.
- Experience with causal inference or machine learning.
- Python proficiency.
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 accommodations@plaid.com.
Please review our Candidate Privacy Notice here https://plaid.com/legal/#candidate-privacy-notice.
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.