Senior Credit Risk Manager - Payments at Plaid

This role is for a credit risk expert with at least eight years of experience specifically within the payments or fintech sectors. You should have a deep understanding of ACH return risk and a proven track record of building underwriting frameworks for high-complexity clients like crypto firms and lenders. **What makes it worth a look...** The compensation ceiling is exceptionally high, reaching up to $228,000 for a fully remote role. You will have significant ownership over the credit policies of a major infrastructure provider as they scale their Transfer product across multiple payment rails like RTP and FedNow. **You might be a good fit if you...** * Have designed scorecards and exposure limits for payment processors or lending platforms. * Understand the nuances of liquidity fronting, settlement timing, and unauthorized return risk. * Can build executive-level loss forecasting and reserve reporting from scratch. * Enjoy working with engineers to turn manual risk policies into automated product features.