Machine Learning Engineer

Plaid; 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’s Credit team is hiring a Machine Learning Engineer to design, build, and deploy scalable machine learning solutions for LendScore and cash-flow-based underwriting. This role spans the full model lifecycle, partnering across teams to productionize models and improve them through monitoring.

Based in New York City in a hybrid setup, you will work within Plaid’s Data organization, applying machine learning to high-impact product challenges tied to how customers understand and grow their financial lives.

Role Summary

• 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 ongoing monitoring.
• Partner cross-functionally to productionize models and drive continuous improvement based on monitoring.

Responsibilities

• Develop and productionize AI and machine learning models, covering offline training, online serving, and monitoring.
• Experiment with modeling approaches and strategies 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 the scaling and improvement of established solutions.
• Collaborate with teams across Plaid to help define the machine learning roadmap.
• Use data dives and evidence-based analysis to support day-to-day decisions.

Requirements

• 2+ years of experience training and serving AI or machine learning models in a production environment.
• Experience in fintech lending and a strong understanding of how models are built and used in lending.
• Experience building or working with data-intensive backend applications in large, distributed systems.
• Ability to code and iterate independently using data infrastructure tools such as Python, Spark, Jupyter notebooks, and standard machine learning libraries.
• A track record of taking ownership and 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.

Technologies

• Python
• Spark
• Jupyter notebooks
• Standard machine learning libraries

Compensation and Benefits

• Salary range: USD 211,680 - 272,160 per year.
• Offers equity.
• Additional compensation (equity and/or commission) depends on the position.
• Comprehensive benefit plans including medical, dental, and vision.
• 401(k).
• Pay is based on factors including scope and responsibilities, candidate experience and skillset, and location, and may change per applicable compensation or benefit plan terms.

Location and Employment

• Location: New York City Office, 85 Spring Street, 10th Floor, New York, New York, 10012
• Location type: Hybrid
• Employment type: Full time

About the Team

• Plaid’s Data organization builds models to help millions of people better understand and grow their financial lives.
• Teams apply machine learning to product challenges across Plaid to create meaningful customer value.
• The Credit focus includes lending-standard models and support for the next wave of cash-flow-based underwriting.
• Values include impact, growing together, openness and positivity, and inventing tomorrow.