建模专员，支付风险
Modeling Specialist, Payment Risk
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 为数以百万计的人提供他们依赖的工具，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。
我们的 Payments Risk 团队在 Signal 和 Guarantee 中构建和运营决策能力。我们帮助客户调整阈值和规则，使他们能够批准更多优质交易，同时减少退货率。对于 Guarantee，这项工作还保护了 Plaid 承担的风险的经济性。
你将成为 Signal 和 Guarantee 的技术型、面向客户的建模专家。你将解读模型输出，诊断客户表现，并将分析结果转化为具体的阈值和规则建议。你将负责概念验证和回顾，改进现有集成，并帮助团队识别可通过更好流程和产品功能进行扩展的模式。
职责
- 从分析到建议和后续跟进，负责客户的概念验证和回顾。
- 主动优化 Signal 客户，优先处理退货率高的账户。
- 阅读模型输出并诊断授权和退货率表现的驱动因素。
- 建议符合每个客户风险和授权目标的阈值和规则变更。
- 协助 Guarantee 客户调整阈值，以实现目标授权率，同时保护损失表现。
- 与 AE 和 TAM 合作，将深入的产品和建模专业知识带入客户参与中。
- 改进客户决策和退货报告，以增强他们的体验和 Plaid 的模型。
- 将重复的客户洞察转化为上线指南和产品需求。
资格
- 5–10 年相关经验
- 熟练使用 SQL 进行数据提取和处理
- 有解读风险、决策或其他定量分析的经验
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.
Our Payments Risk team builds and operates decisioning capabilities across Signal and Guarantee. We help customers tune thresholds and rules so they can approve more good transactions while reducing returns. For Guarantee, this work also protects the economics of the risk Plaid underwrites.
You will be the technical, customer-facing modeling specialist for Signal and Guarantee. You will interpret model outputs, diagnose customer performance, and turn that analysis into concrete threshold and rules recommendations. You will own proofs of concept and retros, improve existing integrations, and help the team identify patterns that can be scaled through better processes and product capabilities.
Responsibilities
- Own customer proofs of concept and retros from analysis through recommendations and follow-through.
- Proactively optimize Signal customers, prioritizing accounts with high return rates.
- Read model outputs and diagnose the drivers of authorization and return-rate performance.
- Recommend threshold and rules changes that align with each customer's risk and authorization goals.
- Help Guarantee customers tune thresholds to achieve target authorization rates while protecting loss performance.
- Partner with AEs and TAMs to bring deep product and modeling expertise into customer engagements.
- Improve decision and return reporting from customers to strengthen their experience and Plaid's models.
- Turn recurring customer insights into onboarding playbooks and product requirements.
Qualifications
- 5–10 years of experience
- Comfortable pulling and cutting your own data (SQL)
- Experience interpreting risk, decisioning, or other quantitative model outputs.
- Experience diagnosing performance problems and making data-backed threshold or rules recommendations.
- Strong customer-facing consulting and communication skills.
- Experience partnering across go-to-market and technical teams.
- Demonstrated ability to build repeatable processes in an ambiguous environment.
- [Nice to have] Experience at a fraud or risk-scoring vendor, credit bureau, or bank / processor risk team.
- [Nice to have] Familiarity with cash flow or bank transaction data.
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.