Plaid

Model Governance Lead Credit (Fintech)

In short

This role owns and evolves the model-governance program for credit products at a fintech company, assessing model soundness, performance, stability, and limitations while designing remediation plans and providing independent challenge on modeling decisions. It requires 7+ years building and owning a model-governance program, experience in model validation or model risk management, and knowledge of credit models, XGBoost, foundation models, and neural networks. The role partners closely with Product, Data Science, and Engineering teams and demands rigorous model documentation. It is a hybrid position based in the United States, with salary ranging from $208K to $307K per year.

Model Governance Lead Credit
Company: Plaid Inc.
About the Role
You will own and evolve the model-governance program for credit products, assess model soundness and performance, identify risks and limitations, define remediation plans, strengthen validation practices, and document models clearly.
Requirements
•7+ years of experience building and owning a model-governance program
•Experience in model validation, model risk management, model development, or data science
•Knowledge of credit models
•Knowledge of machine-learning concepts and techniques including XGBoost
•Knowledge of foundation models and neural networks
•Experience assessing model data, features, performance, stability, limitations, and use
•Fintech experience is a plus
Responsibilities
•Build and evolve a model-risk governance framework
•Assess conceptual soundness, data, features, performance, stability, and intended use of credit models
•Identify model weaknesses and create remediation plans
•Partner with Product, Data Science, and Engineering on model development and validation
•Create rigorous model documentation
•Provide independent challenge on modeling decisions
•Support responsible use of machine learning for credit scores and attributes
Benefits
•Equity
•Medical insurance
•Dental insurance
•Vision insurance
•401(k)

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