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Plaid is seeking a Modeling Specialist for its Payments Risk team to serve as the technical, customer-facing expert for Signal and Guarantee products. You will interpret model outputs, diagnose customer performance issues, and translate analysis into concrete threshold and rules recommendations that help customers approve more good transactions while reducing returns.
Key responsibilities include:
- Own customer proofs of concept and retrospective analyses from initial analysis through recommendations and implementation follow-through
- Proactively optimize Signal customers, prioritizing accounts with high return rates
- Read and interpret model outputs to diagnose drivers of authorization and return-rate performance
- Recommend threshold and rules changes aligned with each customer's risk and authorization goals
- Help Guarantee customers tune thresholds to achieve target authorization rates while protecting loss performance
- Partner with Account Executives and Technical Account Managers to bring deep product and modeling expertise into customer engagements
- Improve decision and return reporting from customers to strengthen their experience and Plaid's models
- Turn recurring customer insights into onboarding playbooks and product requirements
About Plaid: Founded in 2013 and headquartered in San Francisco, Plaid powers financial connectivity for millions of users and thousands of companies including Venmo, SoFi, Fortune 500 companies, and major banks. The company's network covers 12,000 financial institutions across the US, Canada, UK, and Europe. The Payments Risk team builds and operates decisioning capabilities that help customers optimize their risk management while protecting Plaid's underwritten risk economics.
Requirements:
- 5–10 years of experience
- Comfortable pulling and cutting your own data (SQL)
- Experience interpreting risk, decisioning, or other quantitative model outputs
- Experience diagnosing performance problems and making data-backed threshold or rules recommendations
- Strong customer-facing consulting and communication skills
- Experience partnering across go-to-market and technical teams
- Demonstrated ability to build repeatable processes in an ambiguous environment
- Nice to have: Experience at a fraud or risk-scoring vendor, credit bureau, or bank/processor risk team
- Nice to have: Familiarity with cash flow or bank transaction data
