Senior ML Engineer

Jobgether; India; On-site; INR 3,500,000 - 9,000,000; Full time

Benefits offered by this job

20 paid days off annually

Flexible working arrangements

Partial medical insurance support

Sports activity support

Language-learning support

International, agile team environment

Work with modern AI/ML technologies

Full-time, ambitious goals

Job summary

Jobgether in India is seeking a Senior ML Engineer to lead the development and productionization of ML solutions across credit risk, fraud detection, collections, and conversion optimization. The role involves hands-on modeling, data engineering, deployment, and ongoing model stewardship, working with Risk, Product, and Operations teams.

The position offers opportunities to explore LLMs, RAG, computer vision, and voice applications in a fast-moving FinTech environment, with ownership and

Qualifications

• 7+ years of professional experience in Machine Learning or Data Science, including at least 3 years in credit-lending organizations.
• Proven experience delivering production-ready PD models, credit-limit strategies, fraud-detection models, or collections-optimization models.
• Strong proficiency in COBOL programming is a key requirement.
• Advanced Python skills with modern ML algorithms, feature engineering, and model evaluation.

Responsibilities

• Design, train, validate, and deploy PD models and credit-limit strategies.
• Identify ML opportunities across collections optimization, fraud prevention, and conversion optimization.
• Engineer features from complex datasets and prepare high-quality inputs for modeling.
• Establish model monitoring and evaluation for performance and business impact.
• Plan A/B tests to measure model effectiveness and drive revenue or efficiency.

Skills

Python

SQL

English (B1+)

Cross-functional collaboration

Analytical problem solving

Tools

COBOL

Power BI

OpenAI/Anthropic API

Job description

This position is listed on behalf of a partner company, who manages all applications and next steps. Our partner is looking for a Senior ML Engineer based in India.

This is a high-impact opportunity for a Senior ML Engineer to lead the development and productionization of machine-learning solutions across credit risk, fraud detection, collections, and conversion optimization.
You will translate complex business challenges into robust, measurable AI/ML solutions that directly influence operational efficiency and revenue.
The role combines hands-on modeling, data engineering, experimentation, deployment, and ongoing model stewardship.
You will work closely with Risk, Product, Operations, and other teams to identify opportunities where machine learning can create meaningful business value.
Beyond traditional ML, you will have opportunities to explore LLMs, computer vision, RAG, voice applications, and other emerging AI technologies.
This role is ideal for an experienced builder who enjoys ownership, analytical problem-solving, and working in a fast-moving FinTech environment.

Accountabilities

• Design, train, validate, and deploy Probability of Default (PD) models and credit-limit strategies that support lending decisions.
• Identify and develop machine-learning opportunities across collections optimization, fraud prevention, conversion improvement, and operational efficiency.
• Analyze complex data sources, cleanse datasets, engineer meaningful features, and prepare high-quality inputs for modeling.
• Establish model monitoring processes and continuously evaluate model performance, stability, and business impact.
• Plan and execute A/B tests to measure the effectiveness of models and strategies and identify opportunities to improve revenue or efficiency.
• Build Computer Vision pipelines for document and image processing to automate lending workflows.
• Develop LLM-based solutions that streamline internal processes and enhance customer experiences, including applications involving commercial APIs, open-source models, RAG, and voice interfaces.
• Maintain comprehensive, accurate, and audit-ready documentation covering models, methodologies, assumptions, and performance.
• Collaborate with Risk, Product, Operations, and other stakeholders to translate business objectives into practical AI/ML solutions.
• Maintain and optimize modeling environments across local, cloud, or on-premises infrastructure.
• Communicate model results, insights, and recommendations clearly to technical and business stakeholders.
• Identify emerging AI/ML technologies and assess their potential to create measurable business value.

Requirements

• 7+ years of professional experience in Machine Learning or Data Science, including at least 3 years within credit-lending organizations.
• Proven experience delivering and productionizing Probability of Default models, credit-limit strategies, fraud-detection models, conversion-uplift solutions, and/or collections-optimization models.
• Strong proficiency in COBOL (Common Business-Oriented Language) programming is a key requirement for this position.
• Advanced Python skills with a strong understanding of modern machine-learning algorithms, feature engineering, and model evaluation techniques.
• Ability to write, structure, and optimize complex SQL queries.
• Deep understanding of the credit lifecycle, particularly online lending workflows and credit-risk processes.
• Demonstrated ability to source, cleanse, transform, and engineer features from complex datasets.
• Experience establishing and maintaining modeling environments across local, cloud, or on-premises infrastructure.
• Strong understanding of ML pipelines, production deployment, monitoring, and model lifecycle management.
• Experience with LLM solutions, including commercial APIs such as OpenAI or Anthropic, self-hosted open-source models, fine-tuning, RAG applications, or voice chatbots is a strong advantage.
• Experience developing Computer Vision models or pipelines for document and image processing is preferred.
• Experience creating executive dashboards and model reporting using Power BI is a plus.
• Strong attention to detail, accountability, ownership, and commitment to achieving individual and team objectives.
• Strong analytical, problem-solving, and cross-functional collaboration skills.
• English proficiency at B1 level or higher.

Benefits

• Opportunity to join a fast-scaling FinTech environment where your technical decisions can directly influence business performance.
• 20 paid days off annually.
• Flexible working arrangements and scheduling.
• Partial compensation for medical insurance.
• Partial support for sports activities.
• Partial support for foreign-language learning.
• International, agile, and collaborative team environment.
• Opportunity to work with modern AI/ML technologies on high-impact business challenges.
• Full-time position within a team focused on ambitious goals and measurable outcomes.