Senior Credit Risk Manager – Payments

Job Description: • Own Transfer’s credit risk underwriting program, including policies, scorecards, and playbooks for customer onboarding, periodic reviews, and exception handling enabling consistent, high quality risk decisions as the portfolio scales. • Manage portfolio-level financial exposure across ACH, RTP, and FedNow by monitoring customer activity, return behavior, liquidity risk, and solvency signals, reducing the likelihood of unexpected losses and balance-sheet shocks. • Evaluate complex and higher-risk use cases, such as crypto, lenders, platforms, and liquidity-fronted customers allowing Plaid to support new business models safely. • Partner with Transfer Operations on day-to-day risk decisions and escalations, including setting and adjusting holds, reserves, limits, and pre-funding requirements ensuring fast, coordinated responses to emerging risk events. • Develop and maintain executive-level risk reporting, including exposure tracking, reserve adequacy, and loss forecasting, improving leadership visibility and decision-making. • Enable operational scale through training and documentation, creating self-serve guides and decision frameworks for customer oversight teams driving consistency and reducing operational risk as volume grows. • Collaborate cross-functionally with Product, Engineering, AML/Compliance, and Finance to translate risk policy into tooling, workflows, and automated controls embedding risk management directly into the Transfer platform. • Continuously improve risk frameworks and tooling by incorporating data insights, post-mortems, and industry best practices, keeping Plaid’s risk posture aligned with evolving threats and growth objectives. Requirements: • 8+ years of experience in credit risk underwriting, financial risk, or exposure management within a payments processor, fintech, or lending institution. • Hands-on experience owning or designing credit underwriting frameworks, including policies, scorecards, onboarding standards, periodic reviews, and exception handling. • Deep understanding of ACH payments and return risk, including settlement timing, unauthorized returns, and liquidity exposure; experience with multiple payment rails is a plus. • Proven ability to assess customer solvency and business-model risk, particularly for startups, fintechs, platforms, lenders, or crypto businesses. • Strong analytical skills, with the ability to evaluate portfolio-level exposure, concentration risk, and loss scenarios. • Experience building and maintaining executive-level risk reporting, dashboards, and KPIs (e.g., exposure, reserves, loss forecasting). • Demonstrated judgment and decision-making ability in high-stakes, ambiguous risk scenarios involving customer exceptions or tradeoffs between growth and risk. • Excellent cross-functional collaboration skills, with experience partnering with Operations, Product, Compliance/AML, Finance, and Engineering. • Clear written and verbal communication skills, including the ability to translate complex risk concepts into actionable guidance and policies for non-risk stakeholders. Benefits: • Plaid provides a comprehensive benefit plan, including medical, dental, vision, and 401(k). Apply tot his job