Model Governance Lead (Credit)

Join Plaid as the Model Governance Lead for Credit products. In this role, you will own and execute the Model Governance program, ensuring that the models supporting Plaid's Credit Score and Insights products are conceptually sound, validated, well-documented, and fit for their intended use. You will work independently while partnering closely with model owners and cross-functional stakeholders, providing thoughtful challenge, identifying risks and limitations, and helping teams improve models and governance practices over time.

• Ownership and execution of the Model Governance program for Plaid’s Credit products, ensuring models are conceptually sound and fit for their intended use.
• Independently assessing the conceptual soundness, data, features, performance, stability, and intended use of credit models, and identifying model weaknesses.
• Partnering with Product, Data Science, and Engineering teams to strengthen model development and validation practices, and creating clear, rigorous documentation.

• A genuinely independent, detail-oriented, and curious mindset
• Comfort providing meaningful challenge to model owners and stakeholders rather than simply documenting their work
• Experience in model validation, model risk management, model development, or Data Science
• 7+ years of experience building and owning a model governance program
• Strong understanding of machine learning modeling concepts and techniques, such as XGBoost, and what constitutes rigorous, defensible model validation
• Deep knowledge of models built for credit purposes
• Experience assessing data and feature inputs, conceptual soundness, model performance, stability, limitations, and appropriateness of use
• Experience working at a FinTech is a plus
• Familiarity with newer modeling techniques, such as foundation models and neural networks
• We encourage you to apply to a role even if your experience doesn't fully match the job description. We are always looking for team members that will bring something unique to Plaid!