Model Governance Lead, Credit

Plaid

. Own and execute the Model Governance program for Plaid’s Credit products .

Posted 10/5/2026full-timeUnited StatesSenior💰 $207,600 - $306,600 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates extensive experience in model governance, validation, and risk management for credit products, with a strong understanding of machine learning concepts and techniques. Capable of independently assessing model performance and providing actionable insights to enhance governance practices.

Highest-signal resume keywords

Model Governance Program OwnershipModel Validation ExpertiseMachine Learning Modeling ConceptsCredit Model KnowledgeData Science Collaboration

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Model ValidationModel Risk ManagementModel DevelopmentXGBoostNeural NetworksData AssessmentFeature Input AnalysisModel Performance EvaluationModel DocumentationRemediation Planning

Soft Skills

Detail-OrientedCurious MindsetIndependent WorkMeaningful Challenge Provision

Industry Keywords

FinTechCredit ProductsModel Governance FrameworkMachine LearningConceptual Soundness

About the role

Key responsibilities & impact

Own and execute the Model Governance program for Plaid’s Credit products
Ensure models supporting Plaid’s Credit Score and Insights products are conceptually sound, appropriately validated, well-documented, and fit for intended use
Work independently while partnering with model owners and cross-functional stakeholders
Provide thoughtful challenge and identify risks and limitations
Help teams improve models and governance practices over time
Build and evolve a model risk governance framework for the Credit product portfolio
Independently assess the conceptual soundness, data, features, performance, stability, and intended use of credit models
Identify model weaknesses and translate them into actionable remediation plans
Partner with Product, Data Science, and Engineering teams to strengthen model development and validation practices
Create clear, rigorous documentation for customers about models behind Plaid’s Credit products
Help shape responsible use of machine learning as Plaid develops new Credit scores and attributes

Requirements

What you’ll need

7+ years of experience building and owning a model governance program
Experience in model validation, model risk management, model development, or Data Science
Deep knowledge of models built for credit purposes
Strong understanding of machine learning modeling concepts and techniques, such as XGBoost
Understanding of rigorous, defensible model validation
Familiarity with foundation models and neural networks
Experience assessing data and feature inputs, conceptual soundness, model performance, stability, limitations, and appropriateness of use
Independent, detail-oriented, and curious mindset
Ability to provide meaningful challenge to model owners and stakeholders
FinTech experience is a plus
Ability to work from the associated Plaid office at least 3 days per week

Benefits

Comp & perks

Equity
Medical insurance
Dental insurance
Vision insurance
401(k)
Reasonable accommodations for candidates with disabilities