Model Governance Lead, Credit
San Francisco · Seattle · New York City · 7+ years experience · Full-time · Hybrid · Posted Oct 5, 2026
At a glance
- Experience
- 7+ years experience
- Employment
- Full-time
- Workplace
- Hybrid
- Location
- San Francisco · Seattle · New York City
About the role
- As the Model Governance Lead, Credit, you will own and execute the Model Governance program for Plaid’s Credit products.
- You will help ensure that the models supporting Plaid’s Credit Score and Insights products are conceptually sound, appropriately validated, well-documented, and fit for their intended use.
- You will work independently while partnering closely with model owners and cross-functional stakeholders to provide thoughtful challenge and identify risks and limitations.
Responsibilities
- 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 their intended use
- Work independently while partnering closely with model owners and cross-functional stakeholders
- Provide thoughtful challenge, identify risks and limitations, and help teams improve models and governance practices over time
- Build and evolve a model risk governance framework for an important 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 clear, actionable remediation plans
- Partner with Product, Data Science, and Engineering teams to strengthen model development and validation practices
- Create clear, rigorous documentation that helps customers understand and trust the models behind Plaid’s Credit products
Requirements
- 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, and what constitutes rigorous, defensible model validation
- Familiarity with newer modeling techniques, such as foundation models and neural networks
- Experience assessing data and feature inputs, conceptual soundness, model performance, stability, limitations, and appropriateness of use
- A genuinely independent, detail-oriented, and curious mindset
- Comfort providing meaningful challenge to model owners and stakeholders rather than simply documenting their work
Preferred qualifications
- Experience working at a FinTech is a plus.
Benefits
- equity and/or commission
- medical
- dental
- vision
- 401(k)
Skills
- XGBoost
- Machine Learning
- Foundation Models
- Neural Networks
- Data Science
