Model Governance Lead, Credit
ABOUT THE TEAM
We drive the evolution of Model Governance for Plaid’s Credit products. We work closely with Plaid’s Credit insights team, including Product, Data Science, and Engineering, to support the development and responsible use of next-generation Credit scores and attributes based on cash flow and Plaid’s network.
ABOUT THE ROLE
As the Model Governance Lead, Credit, you will own and execute the Model Governance program for Plaid’s Credit products. You will help ensure that the models supporting Plaid’s Credit Score and Insights products are conceptually sound, appropriately validated, well-documented, and fit for their intended use.
You will work independently while partnering closely with model owners and cross-functional stakeholders. You will provide thoughtful challenge, identify risks and limitations, and help teams improve models and governance practices over time.
WHAT EXCITES YOU
- Building and evolving a model risk governance framework for an important Credit product portfolio.
- Independently assessing the conceptual soundness, data, features, performance, stability, and intended use of credit models.
- Identifying model weaknesses and translating them into clear, actionable remediation plans.
- Partnering with Product, Data Science, and Engineering teams to strengthen model development and validation practices.
- Creating clear, rigorous documentation that helps customers understand and trust the models behind Plaid’s Credit products.
- Bringing curiosity, sound judgment, and constructive challenge to complex modeling decisions.
- Helping shape responsible use of machine learning as Plaid develops new Credit scores and attributes.
WHAT EXCITES US
- 7+ years of experience building and owning a model governance program.
- Experience in model validation, model risk management, model development, or Data Science.
- Deep knowledge of models built for credit purposes.
- Strong understanding of machine learning modeling concepts and techniques, such as XGBoost, and what constitutes rigorous, defensible model validation.
- Familiarity with newer modeling techniques, such as foundation models and neural networks.
- Experience assessing data and feature inputs, conceptual soundness, model performance, stability, limitations, and appropriateness of use.
- A genuinely independent, detail-oriented, and curious mindset.
- Comfort providing meaningful challenge to model owners and stakeholders rather than simply documenting their work.
- Experience working at a FinTech is a plus.