Senior Data Scientist – Credit

Plaid

Machine Learning Engineer developing models for financial tools at Plaid. Contributing to data insights and machine learning challenges focused on business impact.

Posted 4/30/2026full-timeNew York City • New York • 🇺🇸 United StatesSenior💰 $190,800 - $286,800 per yearWebsite

Tech Stack

Tools & technologies

GoPythonSQL

About the role

Key responsibilities & impact

Own the process for creating hands on recommendations for incorporating cash flow insights into lending decision using best practice for account level decisioning.
Improve customer usage of Plaid insights data through custom analysis adoption specific customer need.
Act as a subject matter expert for our credit insights credit policy implementation supporting data science, engineering, Go-to-Market.
Applying your expertise in quantitative analysis, data mining, and data visualization to build models and insights.
Identifying useful signals that can be fed into machine learning models.
Informing and influencing product and engineering teams through your data analysis and presentations.

Requirements

What you’ll need

5–10 years of experience in data science within the financial services industry.
Deep familiarity with SQL and python.
Deep understanding of credit risk and the development of underwriting models
Hands on credit expertise building and maintaining actual credit policies for lenders
Knowledge of lending lifecycle and how to optimize each step (marketing, acquisitions, customer management, collections/recoveries)
Demonstrated ability to make data driven decisions

Benefits

Comp & perks

🌐 Worldwide ❌ Jobs You've Hidden ⭐️ Saved Jobs ✅ Applied Jobs ✉️ Email Alerts 👤 Account Plaid Website LinkedIn All Job Openings 501 - 1000 employees Founded 2013 💳 Fintech 💸 Finance 🔌 API Fintech
Finance
API Plaid is a financial technology company that provides a suite of products designed to improve the efficiency and security of digital finance operations. Plaid's offerings include solutions for payments, fraud prevention, personal finance insights, and credit underwriting. They enable users to instantly link financial accounts, facilitate real-time financial data access, and support digital banking through intuitive APIs. Plaid serves a wide variety of use cases, including lending, wealth management, and business finances. With a strong network, Plaid connects to over 12,000 financial institutions, enabling secure financial data sharing and enhancing customers' ability to manage financial connections efficiently. Senior Data Scientist – Credit 🔥 1 hour ago 🏢🏡 New York City – Hybrid 💵 $190.8k - $286.8k / year ⏰ Full Time 🟠 Senior 📊 Data Scientist 🦅 H1B Visa Sponsor Apply Now Find Hiring Managers Customize resume for this job Report problem ☆ Save ☑️ Mark as applied ❌ Hide 📋 Description
Own the process for creating hands on recommendations for incorporating cash flow insights into lending decision using best practice for account level decisioning.
Improve customer usage of Plaid insights data through custom analysis adoption specific customer need.
Act as a subject matter expert for our credit insights credit policy implementation supporting data science, engineering, Go-to-Market.
Applying your expertise in quantitative analysis, data mining, and data visualization to build models and insights.
Identifying useful signals that can be fed into machine learning models.
Informing and influencing product and engineering teams through your data analysis and presentations. 🎯 Requirements
5–10 years of experience in data science within the financial services industry.
Deep familiarity with SQL and python.
Deep understanding of credit risk and the development of underwriting models
Hands on credit expertise building and maintaining actual credit policies for lenders
Knowledge of lending lifecycle and how to optimize each step (marketing, acquisitions, customer management, collections/recoveries)
Demonstrated ability to make data driven decisions Apply Now 📊 Check your resume score for this job Improve your chances of getting an interview by checking your resume score before you apply. Check Resume Score Similar Jobs Senior Data Scientist 🕒 Yesterday Independence Pet Group 1001 - 5000 👥 B2C 🧘 Wellness Website LinkedIn All Job Openings Senior Data Scientist leading data science initiatives in predictive analytics for pet insurance company. Collaborating with actuarial and data teams to enhance pricing strategies and risk segmentation. 🏢🏡 New York City – Hybrid ⏰ Full Time 🟠 Senior 📊 Data Scientist Senior Business Analyst, Commercial Treasury Management Product Analytics 🕒 Yesterday Capital One 10,000+ employees 🏦 Banking 💳 Fintech 💸 Finance Website LinkedIn All Job Openings Senior Business Analyst shaping the long-term Treasury Management Product Strategy at Capital One. Collaborating with key partners to drive product decisions through analysis and strategic insights. 🏢🏡 New York City – Hybrid 💵 $111.2k - $138.4k / year 💰 Post-IPO Equity on 2023-05 ⏰ Full Time 🟠 Senior 📊 Data Scientist 🦅 H1B Visa Sponsor Product Data Scientist 🕒 Yesterday Clair 51 - 200 💳 Fintech 🤝 B2B 👥 HR Tech Website LinkedIn All Job Openings Product Data Scientist at Clair owning experimentation and analytics layer for financial freedom. Balancing growth, risk, and user experience through rigorous analysis and cross-functional influence. 🏢🏡 New York City – Hybrid 💵 $184k / year ⏰ Full Time 🟡 Mid-level 🟠 Senior 📊 Data Scientist Data Science Manager, Music Recommendations 🕒 3 days ago Spotify 5001 - 10000 📱 Media 👥 B2C 🛍️ eCommerce Website LinkedIn All Job Openings Data Science Manager at Spotify building analytics for Music Editorial teams. Leading data scientists and influencing music recommendation strategies based on insights. 🏢🏡 New York City – Hybrid ⏰ Full Time 🟠 Senior 🔴 Lead 📊 Data Scientist 🦅 H1B Visa Sponsor Data Scientist II – Marketing Science 🕒 April 23 The Walt Disney Company 10,000+ employees 📱 Media Website LinkedIn All Job Openings Econometrician building and scaling econometric models for Disney Streaming Services. Driving marketing investment efficiency and reporting performance metrics across various channels. 🏢🏡 New York City – Hybrid 💵 $117.5k - $157.5k / year 💰 Post-IPO Debt on 2020-04 ⏰ Full Time 🟡 Mid-level 🟠 Senior 📊 Data Scientist 🦅 H1B Visa Sponsor View More Data Science Jobs 🌐 Worldwide Built by Lior Neu-ner. I'd love to hear your feedback — Get in touch via DM or support@remoterocketship.com Search Search Jobs by country Search jobs by city Search jobs by job title Search entry-level jobs Search junior-level jobs Search senior-level jobs Search jobs by tech stack Search jobs by contract type Search remote internships Search remote part-time jobs Remote jobs Anywhere in the World Companies Hiring Anywhere in the World Companies Hiring Sales People Anywhere in the World Companies Hiring Software Engineers Anywhere in the World Resources Advice Tips for finding remote jobs Interview questions and answers Resume examples Cover letter examples Post a job Affiliates Privacy policy Terms of service Job board SEO course AI Apply Copilot OpenClaw job finder Jobs by Country Remote jobs anywhere in the world (Worldwide remote jobs) Remote jobs United States Remote jobs Australia Remote jobs Brazil Remote jobs Canada Remote jobs France Remote jobs Ireland Remote jobs Germany Remote jobs Netherlands Remote jobs Spain Remote jobs UK Popular Jobs Remote data analyst jobs Remote customer support jobs Remote executive assistant jobs Remote marketing jobs Remote product designer jobs Remote product manager jobs Remote project manager jobs Remote recruiter jobs Remote sales jobs Remote software engineer jobs Jobs by Type Remote full-time jobs Remote part-time jobs Remote contract jobs Remote internship jobs Remote entry-level jobs Remote jobs with no experience required Remote junior jobs (1-3 years of experience) Digital nomad jobs Remote jobs with no degree required Freelance remote jobs Temporary remote jobs Remote jobs hiring now Stay at home mom jobs

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Hard Skills & Tools

SQLPythonquantitative analysisdata miningdata visualizationmachine learningunderwriting modelscredit policiesdata analysismodel building

Soft Skills

influencingcommunicationpresentationdecision making