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PlaidPlaidSan Francisco, CA

Staff Business Analyst

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.

Skills

Credit RiskUnderwritingCredit PolicyLending LifecycleCash Flow AnalysisAlternative DataData-Driven Decision MakingBusiness Analysis

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