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Staff Software Engineer - Credit Insights

Plaid· Engineering
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New York, NY$207.6k - $273.6kFull-timePosted 2mo ago

About the role

We build simple yet innovative consumer products and developer APIs that shape how everybody interacts with money and the financial system. The Credit Decisioning platform team builds cashflow-based insights products for holistic lending decisions at scale.

Responsibilities

  • Leading technical architecture and execution across credit insights products: data fetching and online feature serving for API requests, offline production pipelines and tooling for model training.
  • Scaling and evolving the architecture through an expected ~100x increase in load from deterministic factors
  • Collaborating closely with Product, Data Science, and Machine Learning partners to develop and scale insights products that enable Credit underwriting use cases
  • Mentoring engineers and contributing to a strong, inclusive team culture.

Qualifications

  • Strong experience building and scaling backend products
  • Strong technical leadership skills, including mentoring peers, leading projects and driving architectural decisions
  • Demonstrated success in building and maintaining production systems that serve and support ML models, both in online and offline settings - as well as working closely with data science or ML teams
  • Experience collaborating with cross-functional stakeholders and with teams and leaders across the engineering function
  • [nice-to-have] Experience working in the credit or lending space

Skills

Required:Backend developmentTechnical leadershipProduction ML systemsCross-functional collaboration

Benefits

  • Plaid provides a comprehensive benefit plan, including medical, dental, vision, and 401(k).
  • Additional compensation in the form(s) of equity and/or commission are dependent on the position offered
Last updated Oct 21, 2026. Interested? Apply on the company site.

About Plaid

Enabling all companies to build fintech solutions

Plaid helps all companies build fintech solutions by making it easy, safe and reliable for people to connect their financial data to apps and services.

fintechbankingpaymentsfraudcreditopen financefinancial data
Company profileWebsite

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