Staff Business Analyst - Credit

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

Requirements

• 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

Benefits

• Medical, dental, vision, and 401(k)