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Model Governance Lead, Credit

plaidSan Francisco HQAll Departments
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Salary
$207.6K – $306.6K
Job type
Full-time
Work mode
Remote
Experience
Lead · 7+ yrs
Posted
5 Oct 2026
Status
Open · checked 7d ago

About this role

Plaid is hiring a Model Governance Lead, Credit based in San Francisco to manage the risk and validation framework for credit products. This position suits professionals with extensive experience in model risk management who want to shape responsible machine learning practices within the financial technology sector.

Role Overview

As the Model Governance Lead for Credit at Plaid, the incumbent takes ownership of the model governance program supporting credit products. The role ensures that credit scores and insights derived from cash flow and network data are conceptually sound, properly validated, and well-documented. Operating out of the San Francisco headquarters, the professional collaborates closely with product, data science, and engineering teams to identify risks and refine development practices.

Key Responsibilities

Own and execute the model governance program for the credit product portfolio.
Assess conceptual soundness, data inputs, feature selection, stability, and performance of credit models.
Identify model weaknesses and formulate actionable remediation strategies.
Partner with cross-functional teams to strengthen model development and validation methodologies.
Produce rigorous documentation to build customer trust in credit insights.

Requirements

Minimum of 7 years of experience in building and owning a model risk governance program.
Background in model validation, model risk management, model development, or data science.
Comprehensive knowledge of credit-specific modeling.
Familiarity with machine learning modeling concepts and techniques such as XGBoost.
Understanding of foundation models and neural networks.

Nice to Have

Prior work experience within the FinTech industry.

Skills and Tools

XGBoost
Neural Networks
Foundation Models
Data Science Methodologies
Model Validation Frameworks

Salary and Benefits

Salary range spans from $207.6K to $306.6K with equity offerings.
Comprehensive benefits package including medical, dental, vision, and 401(k) plans.

About the Company

Founded in 2013 and headquartered in San Francisco, Plaid builds tools that connect consumers and developers to financial institutions across the US, Canada, UK, and Europe. The company maintains additional offices in New York, Seattle, Washington D.C., Raleigh, London, and Amsterdam.

How to Apply

Interested candidates should apply directly on the official company careers page.

Skills and tech stack

Questions candidates ask

What is the location of this role?

This role is based at Plaid's San Francisco headquarters.

How many years of experience are required?

Candidates must have 7+ years of experience building and owning a model governance program.

What is the salary range for this position?

The salary ranges from $207.6K to $306.6K, along with equity offerings.

What benefits are included?

Plaid provides a comprehensive benefit plan including medical, dental, vision, and 401(k), alongside equity.

Where should I submit my application?

Candidates should apply on the official company careers page.

Ready to apply?

The application is on the official plaid careers page.

Apply on company site