Senior Machine Learning Engineer Credit

We believe that the way people interact with their finances will drastically improve in the next few years. Were dedicated to empowering this transformation by building the tools and experiences that thousands of developers use to create their own products. Plaid powers the tools millions of people rely on to live a healthier financial life. We work with thousands of companies like Venmo SoFi several of the Fortune 500 and many of the largest banks to make it easy for people to connect their financial accounts to the apps and services they want to use. Plaids network covers 12000 financial institutions across the US Canada UK and Europe. Founded in 2013 the company is headquartered in San Francisco with offices in New York Washington D.C. London and Amsterdam.

Plaids Data team is building models that improve how millions of users understand and grow their financial lives. Were looking for machine learning engineers with experience applying state-of-the-art machine learning and modeling techniques including natural language processing anomaly detection optimization and time series forecasting across different product areas. We value not only technical know-how but also creativity user empathy and teamwork.

Youll be a machine learning engineer in the Data org contributing to diverse high-impact machine learning this role youll focus on designing building and deploying scalable ML solutions and systems within the credit environment. Youll lead experimentation with new modeling approaches and strategies collaborate closely with engineers on ingesting signals and productionizing models and help build the next wave of cash flow based underwriting. Youll 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.

Responsibilities

• 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

Qualifications

• 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

• Masters degree or equivalent work experience in Computer Science Mathematics Engineering or a closely related field

• Nice to have: data analytics and data engineering experience

Our mission at Plaid is to unlock financial freedom for everyone. To support that mission we seek to build a diverse team of driven individuals who care deeply about making the financial ecosystem more equitable. We recognize that strong qualifications can come from both prior work experiences and lived experiences. We encourage you to apply to a role even if your experience doesnt fully match the job description. We are always looking for team members that will bring something unique to Plaid!

Plaid is proud to be an equal opportunity employer and values diversity at our company. We do not discriminate based on race color national origin ethnicity religion or religious belief sex (including pregnancy childbirth or related medical conditions) sexual orientation gender gender identity gender expression transgender status sexual stereotypes age military or veteran status disability or other applicable legally protected characteristics. We also consider qualified applicants with criminal histories consistent with applicable federal state and local laws. Plaid is committed to providing reasonable accommodations for candidates with disabilities in our recruiting process. If you need any assistance with your application or interviews due to a disability please let us know at

Please review our Candidate Privacy Notice here.

Additional compensation in the form(s) of equity and/or commission are dependent on the position offered. Plaid provides a comprehensive benefit plan including medical dental vision and 401(k). Pay is based on factors such as (but not limited to) scope and responsibilities of the position candidates work experience and skillset and location. Pay and benefits are subject to change at any time consistent with the terms of any applicable compensation or benefit plans.

Required Experience:

Senior IC