Senior Machine Learning Engineer - Credit

We believe that the way people interact with their finances will drastically improve in the next few years. We’re 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. Plaid’s network covers 12,000 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. Plaid’s Data team is building models that improve how millions of users understand and grow their financial lives. We’re 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. You’ll be a machine learning engineer in the Data org, contributing to diverse, high-impact machine learning challenges. In this role, you’ll focus on designing, building, and deploying scalable ML solutions and systems within the credit environment. You’ll 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. You’ll 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 - Master’s 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 doesn't fully match the job description. We are always looking for team members that will bring something unique to Plaid! Plaid is proud to be a