Senior Machine Learning Engineer - Credit

About the Role

The role entails leading experimentation with new modeling approaches and strategies, collaborating closely with engineers on ingesting signals and productionizing models, and helping build the next wave of cash flow-based underwriting. You will own AI and machine learning work across the full model lifecycle, from offline training to online serving and monitoring, while helping define the ML roadmap with cross-functional teams.

What You Will Do

• Build machine learning systems that empower millions of users through well-known and emerging fintech applications with access to financial services
• Experiment with cutting-edge machine learning modeling techniques across high-impact credit use cases
• Work on both 0-1 stage problems and scaling systems from 1-10
• Develop AI and machine learning models across the full lifecycle, from offline training to online serving and monitoring
• Design, build, and deploy scalable ML solutions and systems in a production environment
• Collaborate with teams across Plaid to define the machine learning roadmap
• Dive deep into data and apply data-driven decision-making in day-to-day work
• Operate with high ownership on a bottom-up driven team
• Lead the development of new machine learning features and functionalities
• Work closely with product managers to identify business needs and develop solutions

What We Are Looking For

• 6+ years of experience training and serving AI and machine learning models in a production environment
• Experience in fintech lending, with a strong understanding of how models are built in that space
• Experience building or working with data-intensive backend applications in large distributed systems
• Ability to code and iterate independently using tools such as Python, Spark, Jupyter notebooks, and standard machine learning libraries
• Strong ownership mindset and a track record of driving projects to business impact
• Ability to work effectively with both technical and non-technical teams
• Master’s degree or equivalent work experience in Computer Science, Mathematics, Engineering, or a closely related field
• Excellent communication and collaboration skills
• Experience with Agile development methodologies

Nice to Have

• Data analytics and data engineering experience
• Experience working with cloud-based technologies such as AWS or GCP
• Knowledge of containerization using Docker
• Experience with DevOps tools such as Jenkins or CircleCI

Benefits and Perks

• Competitive salary and equity package
• Comprehensive health, dental, and vision insurance
• Flexible PTO and remote work options
• Access to cutting-edge technologies and tools
• Opportunities for professional growth and development
• Collaborative and dynamic work environment
• Access to employee resource groups and diversity initiatives
• Company-sponsored social events and team-building activities
• Remote work stipend and home office setup support

• Be prepared to showcase your expertise in state-of-the-art machine learning techniques, such as natural language processing, anomaly detection, and time series forecasting.
• Highlight your experience in fintech lending and your understanding of how models are built in this space.
• Emphasize your ability to collaborate effectively with cross-functional teams, including engineers, data scientists, and product managers.
• Make sure to demonstrate your strong ownership mindset and track record of driving projects to business impact.
• Be prepared to discuss your experience with data-intensive backend applications and large distributed systems.
• Showcase your proficiency in coding languages such as Python, and experience with tools like Spark, Jupyter notebooks, and standard machine learning libraries.
• Prepare to discuss your experience with Agile development methodologies and DevOps tools.