Staff Business Analyst - Credit

About the Role

As a Staff Business Analyst, you will work closely with customers and cross-functional partners to improve adoption of Plaid insight data, shape customer-specific solutions, and serve as a subject matter expert on credit policy implementation. This involves understanding the lending lifecycle and how to optimize each step, from marketing and acquisitions to customer management and collections or recoveries.

The role is well-suited for someone with deep credit risk expertise who can connect underwriting strategy, data-driven decisioning, and customer needs. The ability to make data-driven decisions and a deep understanding of credit risk and the development of underwriting models are essential.

What You Will Do

• 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.
• Collaborate with the Data Science team to develop and refine credit models and strategies.
• Work with the Engineering team to integrate credit insights into Plaid's products and services.
• Develop and maintain documentation of credit policies and decisioning criteria.
• Stay up-to-date with industry trends, regulatory changes, and emerging technologies in credit and lending.

What We Are Looking For

• 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.
• Strong communication and interpersonal skills, with the ability to work effectively with cross-functional teams.
• Experience with data analysis and interpretation, preferably with knowledge of statistical modeling.
• Familiarity with fintech and the digital payments landscape.
• Bachelor's degree in a related field, such as Finance, Economics, or Business Administration.

Nice to Have

• Experience applying cash flow-based underwriting or alternative data within consumer or SMB lending.
• Knowledge of programming languages such as Python or R.
• Experience with data visualization tools like Tableau or Power BI.
• Certification in credit risk management or a related field.

Benefits and Perks

• Competitive salary and equity package.
• Comprehensive health, dental, and vision insurance.
• Flexible PTO policy and remote work options.
• Professional development opportunities, including training and conference sponsorships.
• Access to the latest technologies and tools in fintech.
• Collaborative and dynamic work environment with a team of experienced professionals.
• Opportunity to work on high-impact projects that drive real change in the financial industry.
• Recognition and reward for outstanding performance and contributions.

• Highlight your credit risk expertise: Emphasize your experience in building and maintaining credit policies, and your understanding of underwriting models and the lending lifecycle.
• Showcase your data analysis skills: Demonstrate your ability to make data-driven decisions and interpret complex data sets, preferably with knowledge of statistical modeling.
• Develop a strong understanding of Plaid's products and services: Familiarize yourself with Plaid's credit insights and how they can be applied to drive lending outcomes.
• Prepare to discuss industry trends and regulatory changes: Stay up-to-date with the latest developments in fintech and credit, and be ready to discuss how these changes impact the lending industry.
• Tailor your application materials: Customize your resume and cover letter to highlight your relevant experience and skills, and to demonstrate your passion for the fintech industry.
• Be prepared for behavioral interviews: Practice answering behavioral questions that demonstrate your problem-solving skills, communication skills, and ability to work effectively in a team environment.
• Research the company culture: Understand Plaid's mission, values, and work environment, and be prepared to discuss how you can contribute to and thrive in this culture.