Plaid · 1 day ago
Senior Credit Risk Manager - Payments
United States
Full-time
Remote
Senior Level, Lead/Staff
$116K/yr - $228K/yr
8+ years expPlaid is a company dedicated to empowering financial transformation through innovative tools and experiences. As a Senior Credit Risk Manager on the Transfer Operations team, you will oversee portfolio-level credit risk management, ensuring that money movement is fast, reliable, and financially safe while collaborating with various departments to support Plaid's growth and balance sheet protection.
BankingFinancial ServicesFinTech
Responsibilities
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
Qualification
Required
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
Preferred
Prior experience in credit risk or underwriting at a large-scale payments processor, particularly with portfolio-level exposure management
Domain expertise in higher-risk or complex use cases, such as crypto, gaming, lenders, platforms, or marketplace business models
Experience working with or building risk mitigation mechanisms such as reserves, pre-funding, hold-time optimization, and transaction limits
Familiarity with AML/KYC frameworks and how credit risk underwriting complements compliance and fraud controls
Experience partnering closely with Product and Engineering teams to operationalize risk policies through tooling, workflows, or automated controls
Background in financial modeling, loss forecasting, or stress testing for payments or credit portfolios
Experience scaling or formalizing a new risk function or program, including documentation, training, and process design
Comfort operating in early-stage or rapidly evolving environments where policies and tooling are still being built
Prior mentorship or informal leadership experience, including coaching analysts or influencing without direct authority
Benefits
Medical
Dental
Vision
401(k)
Company
Plaid
Plaid develops financial technology infrastructure that enables applications to connect with users' bank accounts and financial data.
501-1000 employees
H1B Sponsorship
Plaid has a track record of offering H1B sponsorships. Please note that this does not
guarantee sponsorship for this specific role. Below presents additional info for your
reference. (Data Powered by US Department of Labor)
Distribution of Different Job Fields Receiving Sponsorship
Represents job field similar to this job
Trends of Total Sponsorships
2025 (41)
2024 (41)
2023 (42)
2022 (53)
2021 (30)
2020 (11)
Funding
Current Stage
Late StageTotal Funding
$1.31BKey Investors
Franklin TempletonAltimeter CapitalGoldman Sachs Investment Partners
2025-04-03Series Unknown· $575M
2025-04-03Secondary Market
2023-10-19Series Unknown
Leadership Team
Zachary Perret
Co-Founder & CEO
Eric Sager
COO
Recent News
2026-01-20
2026-01-14
2026-01-11
Company data provided by crunchbase