Credit ML Engineer for LendScore & Underwriting in Fintech

Plaid Inc.; New York (NY); Hybrid; USD 212,000 - 272,000; Full time

Benefits offered by this job

Equity

Medical, dental, and vision coverage

401(k)

Job summary

Plaid Inc. is seeking a Machine Learning Engineer for its Credit team in New York City. You will design, build, and deploy scalable ML solutions for LendScore and cash-flow-based underwriting, owning the full model lifecycle from offline training to online serving and monitoring.

You will collaborate with cross-functional teams to productionize models, conduct data-driven analyses, and continuously improve systems in a hybrid work setup.

Qualifications

• 2+ years of experience training and serving AI or machine learning models in a production environment.
• Experience in fintech lending and understanding how models are built and used in lending.
• Experience building or working with data-intensive backend applications in large, distributed systems.

Responsibilities

• Design, build, and deploy machine learning models for credit use cases, including LendScore and cash-flow-based underwriting.
• Own the end-to-end model lifecycle, from offline training through online serving and monitoring.
• Partner cross-functionally to productionize models and drive continuous improvement based on monitoring.
• Develop and productionize AI/ML models, including offline training, online serving, and monitoring.
• Experiment with modeling approaches for credit use cases, balancing performance with lending environment requirements.
• Work with engineering teams to ingest signals and build the systems required to bring models into production.
• Contribute to both 0-to-1 efforts and scaling existing solutions.
• Collaborate with Plaid teams to define the ML roadmap.
• Use data dives and evidence-based analysis to support day-to-day decisions.

Skills

2+ years experience

fintech lending

data-intensive backend apps

Education

Master’s degree or equivalent in CS/Math/Engineering

Tools

Python

Spark

Jupyter notebooks

Standard ML libraries

Job description

Plaid Inc. is seeking a Machine Learning Engineer for its Credit team in New York City. You will design, build, and deploy scalable ML solutions for LendScore and cash-flow-based underwriting, owning the full model lifecycle from offline training to online serving and monitoring.

You will collaborate with cross-functional teams to productionize models, conduct data-driven analyses, and continuously improve systems in a hybrid work setup.