Experienced Data Science Manager - Credit Risk

We believe the way consumers and businesses interact with their finances will drastically improve in the next few years. Our goal is to build the tools and infrastructure for developers to create this next generation of financial services applications. Today, thousands of companies such as Chime, Robinhood and Venmo rely on Plaid to integrate with banks and the financial system. Plaid’s infrastructure handles millions of requests per day and thousands of bank integrations. We pride ourselves on maintaining robust APIs to support the developers who depend on us and the millions of consumers who use their apps.

Plaid’s Machine Learning team is building models, services and platforms that improve how millions of users understand and grow their financial lives. We are looking for a senior manager with experience applying state-of-the-art machine learning and data science techniques in the credit domain. We value not only technical know-how, but also creativity, user empathy, and teamwork.

You’ll be an Engineering Manager under the central Machine Learning team but embedded on the Credit product, leading a talented group of data scientists and machine learning engineers to build B2B credit insights products used by lenders to conduct credit risk assessment. In this role, you will drive initiatives to broaden, make more inclusive, and make more affordable access to credit for individuals. You will be instrumental in leading the team to build new, zero-to-one products and delivering top-tier risk assessment and lending insights solutions for both lenders and consumers. If you're interested in lending, credit, underwriting and building models to predict behavior, let's chat!

Responsibilities

• Lead and inspire a talented team, driving the delivery of innovative credit insights solutions that directly impact customers.
• Oversee the development and deployment of advanced machine learning models to enhance the accuracy and fairness of credit assessments, supporting the launch of new products.
• Play a crucial role in defining and executing the credit team’s strategic initiatives.
• Utilize billions of transaction features to help loan applicants access capital and improve consumers' financial account safety and security.
• Champion a data-first approach to decision-making across the organization.
• Make long-term decisions on machine learning and data science iteration processes.
• Partner with product managers, GTM, and other stakeholders to shape the product roadmap and project goals.
• Directly contribute to the company’s success and customer satisfaction.
• Enjoy a hybrid work model that supports work-life balance and flexibility.

Qualifications

• 10+ years of industry experience developing machine learning models from inception to business impact. Proven ability to tailor your solutions to business problems in a cross functional team
• 5+ years of experience in DS/ML managerial role. 
• Experience with credit and lending risk assessment.
• Deep understanding of modern machine learning techniques and their mathematical models, such as classification, clustering, optimization, deep neural network and natural language processing.
• Strong product intuition and excitement to work fast and iteratively.