Staff Business Analyst on Plaid's Credit team building bespoke cash flow-based solutions and recommendations for lenders. Requires 6-10 years credit risk/underwriting experience to translate insights into practical decisioning and improve adoption of Plaid data.
208k – 307k/yr
Hybrid6+ YOEOther
About the role
Responsibilities
Own the process for creating hands-on recommendations for incorporating cash flow insights into lending decisions, using best practices for account-level decisioning.
Improve customer usage of Plaid insight data through adoption of custom solutions tailored to specific customer needs.
Serve as a subject matter expert on Plaid’s credit insights and credit policy implementation in support of Data Science, Engineering, and Go-to-Market teams.
Translate lender objectives and credit strategies into actionable decisioning recommendations.
Partner cross-functionally to ensure Plaid’s credit solutions are practical, scalable, and impactful for customers.
Help customers optimize how they use alternative data across the lending lifecycle.
Qualifications
6–10 years of relevant experience in business analysis, credit risk, underwriting, or a related function.
Deep understanding of credit risk and the development of underwriting models.
Hands-on credit expertise building and maintaining real-world credit policies for lenders.
Knowledge of the lending lifecycle and how to optimize each step, including marketing, acquisitions, customer management, and collections or recoveries.
Demonstrated ability to make data-driven decisions.
Nice-to-Haves
Experience applying cash flow-based underwriting or alternative data within consumer or SMB lending.
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