Staff Business Analyst - Credit

OUR TEAM

Our Credit team mission is to power access to more affordable credit products. We believe that bank data is the missing piece of the puzzle when it comes to credit. We empower consumers to share data that helps create a more holistic financial picture, and we provide lenders the tools to streamline their credit decisions.

WHAT EXCITES YOU

As a Staff Business Analyst on the Credit team, you will build bespoke solutions for customers using cash flow-based insights within credit decisioning.

You will own the process for translating Plaid’s credit insights into practical, hands-on recommendations for lenders. You will work closely with customers and cross-functional partners to help improve adoption of Plaid insight data, shape customer-specific solutions, and serve as a subject matter expert on credit policy implementation.

This role is well suited for someone with deep credit risk expertise who can connect underwriting strategy, data-driven decisioning, and customer needs to drive better lending outcomes.

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 have: experience applying cash flow-based underwriting or alternative data within consumer or SMB lending