Founding Machine Learning Engineer

About Wholesail ⛵️ Wholesale trade, a $55T global market, still operates like the world before the internet and modern payment networks: collection processes are manual and run on paper, short-term credit risk is assumed by the vendor, and businesses rely heavily on legacy ERP systems that don't talk to each other. The result is large, measurable drag — we estimate that vendors spend over $500B a year globally across industries on an inefficient mix of processing, bad debt, lending, credit insurance, software, and labor costs to get paid. Wholesail is building a financial network from the ground up that connects the systems of vendors and buyers involved in wholesale trade to enable streamlined payment and the transfer of risk to third parties. This will allow vendors to offload risk and eliminate tens of billions of waste — while giving creditworthy buyers better terms and third-party capital, unlocking hundreds of billions (ultimately trillions) in additional sales. The primitives of this network scale across industries and geographies: a universal approach to ERP integrations, modern payment rails, and a live trade-credit bureau to underwrite risk — which we're calling Lighthouse . The Opportunity: Risk & Capital Products 🚢 Credit is the load-bearing beam of our network. Every time a vendor ships goods before getting paid, someone is taking a risk — today it's the vendor, tomorrow it should be a third party at a fair price. Getting that transfer right is what unlocks the next order of magnitude of sales across the wholesale economy, and the only way to get it right is to underwrite buyers more accurately than anyone else in the industry. Listen to the Visa episode of the Acquired podcast to learn how credit card networks did this for retail trade. We think we're uniquely positioned to do this. Through Lighthouse, we're building a live, reciprocal trade-credit bureau: vendors on our network contribute real-time payment behavior on a long tail of SMB buyers that no traditional bureau sees. That data — combined with the bank, ERP, and transaction signals already flowing through Wholesail — is a modeling dataset that doesn't exist anywhere else. The first MLE on this team gets to decide what we build with it. The problems are real and the stakes are significant. Our models directly shape the terms buyers are offered and the losses Wholesail and our capital partners absorb. There's no established playbook here and no legacy stack to inherit — you'll be setting the direction for how we do modeling, data engineering, and production ML at Wholesail for years to come. The Role ⚒️ As the founding MLE on the Risk Engineering & Capital Products team, you'll own credit risk modeling end-to-end — from problem framing and data pipeline design, through model development and validation, through production serving and monitoring. You'll work directly with the hiring manager, our engineering and product leadership, and our hands-on advisor Dan Massoni (former Chief Commercial Credit Officer of American Express) to decide what to build, explore features to model and how you’ll scale our approach risk scoring . . Expect your work to span: Modeling. Design, build, and validate credit risk models (PD, LGD, EAD, fraud, exposure sizing, pricing) against our proprietary reciprocal-bureau data and external signals. Choose the right tool for the job — gradient-boosted trees, deep models, LLMs, or classical statistical models — and defend the choice. Data engineering. Build the pipelines, feature logic, and training datasets that your models (and future models) run on. At this stage, the MLE owns the full data path; over time we'll grow a team around you. Productionization. Ship models into production systems where they make real decisions on real dollars. Own deployment, monitoring, drift detection, and iteration. Partnering cross-functionally. Work closely with product, engineering, capital markets, and external lending and insurance partners. Expl...