Senior Machine Learning Engineer - Credit på Plaid i San Francisco HQ
Plaid · San Francisco HQ
Senior Machine Learning Engineer - Credit
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...
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.
Plaid’s Data team is building models that improve how millions of users understand and grow their financial lives. We’re looking
for machine learning engineers with experience applying state-of-the-art machine learning and modeling techniques, including
natural language processing, anomaly detection, optimization, and time series forecasting, across different product areas. We
value not only technical know-how, but also creativity, user empathy, and teamwork.
You’ll be a machine learning engineer in the Data org, contributing to diverse, high-impact machine learning challenges. In this
role, you’ll focus on designing, building, and deploying scalable ML solutions and systems within the credit environment. You’ll
lead experimentation with new modeling approaches and strategies, collaborate closely with engineers on ingesting signals and
productionizing models, and help build the next wave of cash flow based underwriting. You’ll own AI and machine learning work
across the full model lifecycle, from offline training to online serving and monitoring, while helping define the ML roadmap with
cross-functional teams.
RESPONSIBILITIES
Build machine learning systems that empower millions of users through well-known and emerging fintech applications with access
to financial services
Experiment with cutting-edge machine learning modeling techniques across high-impact credit use cases
Work on both 0-1 stage problems and scaling systems from 1-10
Develop AI and machine learning models across the full lifecycle, from offline training to online serving and monitoring
Design, build, and deploy scalable ML solutions and systems in a production environment
Collaborate with teams across Plaid to define the machine learning roadmap
Dive deep into data and apply data-driven decision-making in day-to-day work
Operate with high ownership on a bottom-up driven team
QUALIFICATIONS
6+ years of experience training and serving AI and machine learning models in a production environment
Experience in fintech lending, with a strong understanding of how models are built in that space
Experience building or working with data-intensive backend applications in large distributed systems
Ability to code and iterate independently using tools such as Python, Spark, Jupyter notebooks, and standard machine learning
libraries
Strong ownership mindset and a track record of driving projects to business impact
Ability to work effectively with both technical and non-technical teams
Master’s degree or equivalent work experience in Computer Science, Mathematics, Engineering, or a closely related field
Nice to have: data analytics and data engineering experience
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.
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 tooling and guidance 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.
Engineers on Data Infrastructure are domain experts in Data Warehouse, Data Lakehouse, Spark, Workflow Orchestration, and
Streaming technologies. We scale our existing data pipelines in a performant and cost efficient way while creating the necessary
abstractions to make developing on top of this platform extremely simple for other engineers at Plaid.
Responsibilities
* Contribute towards the long-term technical roadmap for data-driven and machine learning iteration at Plaid
* Leading key data infrastructure projects such as improving ML development golden paths, implementing offline streaming
solutions for data freshness, building net new ETL pipeline infrastructure, and evolving data warehouse or data lakehouse
capabilities.
* Working with stakeholders in other teams and functions to define technical roadmaps for key backend systems and abstractions
across Plaid.
* Debugging, troubleshooting, and reducing operational burden for our Data Platform.
* Growing the team via mentorship and leadership, reviewing technical documents and code changes.
Qualifications
* 5+ years of software engineering experience
* Extensive hands-on software engineering experience, with a strong track record of delivering successful projects within the
Data Infrastructure or Platform domain at similar or larger companies.
* Deep understanding of one of: ML Infrastructure systems, including Feature Stores, Training Infrastructure, Serving
Infrastructure, and Model Monitoring OR Data Infrastructure systems, including Data Warehouses, Data Lakehouses, Apache Spark,
Streaming Infrastructure, Workflow Orchestration.
* Strong cross-functional collaboration, communication, and project management skills, with proven ability to coordinate
effectively.
* Proficiency in coding, testing, and system design, ensuring reliable and scalable solutions.
* Demonstrated leadership abilities, including experience mentoring and guiding junior engineers.
* [Nice to have] Experience with Databricks, Airflow, AWS EMR
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.
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.
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.
