Senior Data Scientist - (Payment Risk/Fraud) Embedded Insights

Plaid

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. 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 Remember Me. In this role, you’ll become a data and analytical thought partner to product managers and engineers, helping drive data-informed product development for a critical user-facing product. 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 quantifying progress against business goals, support feature ship decisions through experimentation, and build ML prototypes and causal inference models. Your work will directly support Conversion and Remember Me Enrolled Profile OKRs and help Plaid grow the size and depth of its Consumer Network. RESPONSIBILITIES * Champion a data-first approach toward decision-making across the entire organization * Become the data and analytical thought partner to product managers and engineers * Translate business questions into analytics projects * Perform ad-hoc and strategic analyses to identify opportunities for improved outcomes and support business decisions * Build data models and dashboards to improve visibility into core systems * Create OKRs quantifying progress against business goals * Design and analyze experiments to support feature ship decisions * Build ML prototypes and causal inference models QUALIFICATIONS * 5-8+ years of experience as a Data Scientist or in a related analytics or data-focused role * Experience with experimentation, ad-hoc analysis, and developing strategic insights * Strong SQL skills and experience creating metrics that drive alignment with stakeholders * Experience building data pipelines with Airflow and dbt * Strong communication skills and experience partnering cross-functionally with product managers, engineers, and other stakeholders * Experience driving data-driven performance for user-facing products * Track record of identifying novel ways to impact a top-line OKR and influencing stakeholders on prioritization, roadmapping, and/or execution Nice to have: * Fintech experience and experience working with raw fintech data * Experience with causal inference, machine learning, and Python   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. 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.

Plaid

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. SENIOR DATA SCIENTIST - NETWORK VALUE (PLAID APP) 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 Senior Data Scientist supporting Plaid App, a critical user-facing product within Plaid’s Network Value portfolio. In this role, you’ll become a data and analytical thought partner to product managers and engineers, helping drive data-informed product development as the team launches and scales the product from 0 to 1. 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 metrics tied to business goals, and support feature ship decisions through experimentation. You’ll also help identify new ways Plaid App can move top-line outcomes and influence prioritization, roadmapping, and execution across cross-functional partners. RESPONSIBILITIES * Champion a data-first approach to decision-making across the organization as Plaid App is built and scaled, serving as the data and analytical thought partner to product managers, engineers, and cross-functional stakeholders. * Translate ambiguous business and product questions into clear analytics projects and decision frameworks, and perform ad-hoc and strategic analyses to identify opportunities to improve user outcomes and business performance. * Build and maintain data models, dashboards, core metrics, OKRs, and success metrics that improve visibility into Guard performance and quantify progress against business goals. * Design and analyze experiments to support feature launch and iteration decisions, and partner on Airflow- and dbt-powered data pipelines that enable trustworthy analytics and scalable reporting. * Identify novel ways to impact top-line OKRs and influence stakeholders on prioritization, roadmapping, and execution, while exploring ML prototypes and causal inference approaches where they can improve product or decision quality. QUALIFICATIONS * 5-8+ years of experience as a Data Scientist or in a related analytics or data-focused role * Fintech experience, including experience working with raw fintech data * Experience launching direct-to-consumer products from 0 to 1 * Experience with experimentation, ad-hoc analysis, and developing strategic insights * Strong SQL skills and experience creating metrics that drive alignment with stakeholders * Experience building or partnering closely on data pipelines using Airflow and dbt * Strong communication skills and experience partnering cross-functionally with product managers, engineers, and other stakeholders * Experience driving data-driven performance for user-facing products * Track record of identifying novel ways to impact a top-line OKR and influencing stakeholders on prioritization, roadmapping, and/or execution NICE TO HAVE * Experience with causal inference * Experience with 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. 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.

Plaid

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. Making data-driven decisions is key to Plaid's culture. To support that, we need to scale our data systems while maintaining correct and complete data. We provide golden datasets and tooling to teams across engineering, product, and business and help them explore our data quickly and safely to get the data insights they need, which ultimately helps Plaid serve our customers more effectively. In addition, Plaid will not be successful if we can't move quickly. We build the data systems and tools that enable everyone at Plaid to be data-driven, making analytics easy, obvious, and proactive across the company. Data Engineers heavily leverage SQL and Python to build data workflows that integrate with our Golang applications. We use tools like DBT, Airflow, Redshift, Atlan, and Retool to orchestrate data pipelines and define workflows. We work with engineers, product managers, business intelligence, data analysts, and many other teams to build Plaid's data strategy and a data-first mindset. You will be in a high impact role that will directly enable business leaders to make faster and more informed business judgements based on the datasets you build. You will have the opportunity to carve out the ownership and scope of internal datasets and visualizations across Plaid which is a currently unowned area that we intend to take over and build SLAs on. You will have the opportunity to learn best practices and up-level your technical skills from our strong DE team and from the broader Data Platform team. You will collaborate with and have strong and cross functional partnerships with literally all teams at Plaid from Engineering to Product to Marketing/Finance etc. Responsibilities * Understanding different aspects of the Plaid product and strategy to inform golden dataset choices, design and data usage principles. * Have data quality and performance top of mind while designing datasetsLeading key data engineering projects that drive collaboration across the company. * Advocating for adopting industry tools and practices at the right time. * Owning core SQL and python data pipelines that power our data lake and data warehouse. * Well-documented data with defined dataset quality, uptime, and usefulness. Qualifications * 4+ years of dedicated data engineering experience, solving complex data pipelines issues at scale. * You’ve have experience building data models and data pipelines on top of large datasets (in the order of 500TB to petabytes) * You value SQL as a flexible and extensible tool, and are comfortable with modern SQL data orchestration tools like DBT, Mode, and Airflow. * You have experience working with different performant warehouses and data lakes; Redshift, Snowflake, Databricks. * You have experience building and maintaining batch and realtime pipelines using technologies like Spark, Kafka. * You appreciate the importance of schema design, and can evolve an analytics schema on top of unstructured data. * You are excited to try out new technologies. You like to produce proof-of-concepts that balance technical advancement and user experience and adoption. * You like to get deep in the weeds to manage, deploy, and improve low level data infrastructure. * You are empathetic working with stakeholders. You listen to them, ask the right questions, and collaboratively come up with the best solutions for their needs while balancing infra and business needs. * You are a champion for data privacy and integrity, and always act in the best interest of consumers. 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. 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.