ML Engineer - Credit Scoring & Lending (Equity)

Digitailor; New York (NY); On-site; USD 130,000 - 195,000; Full time

Benefits offered by this job

Equity

Comission

401(k)

Medical insurance

Dental insurance

Vision insurance

Job summary

Plaid is seeking a Machine Learning Engineer for the Credit team in New York. You will design, build, and productionize ML models that support LendScore and cash-flow-based underwriting, working across the full model lifecycle from offline training to online serving.

You will collaborate with engineers and data scientists to bring signals into production, experiment with credit modeling approaches, and help shape Plaid's ML roadmap in fintech.

Qualifications

• 2+ years of experience training and serving AI/ML models in production.
• Experience in fintech lending and understanding how models are used in lending.
• Experience with data-intensive backend applications in large distributed systems.
• Proficient in Python, Spark, and standard ML libraries.

Responsibilities

• Develop and productionize AI/ML models from offline training through online serving and monitoring.
• Experiment with modeling approaches for credit use cases while balancing performance and lending requirements.
• Collaborate with engineering teams to ingest signals and deploy models into production.
• Contribute to both greenfield problems and scaling of established ML solutions.
• Shape the ML roadmap in collaboration with teams across Plaid.

Skills

Python

Spark

Jupyter notebooks

ML libraries

Education

Master's degree in Computer Science, Mathematics, Engineering, or related field

Job description

Plaid is seeking a Machine Learning Engineer for the Credit team in New York. You will design, build, and productionize ML models that support LendScore and cash-flow-based underwriting, working across the full model lifecycle from offline training to online serving.

You will collaborate with engineers and data scientists to bring signals into production, experiment with credit modeling approaches, and help shape Plaid's ML roadmap in fintech.