Staff Business Analyst - Credit
About The Position
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.
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 Haves
- experience applying cash flow-based underwriting or alternative data within consumer or SMB lending
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
Benefits
- medical
- dental
- vision
- 401(k)
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What This Job Offers
Job Type
Full-time
Career Level
Senior
Education Level
No Education Listed
