Principal Research Scientist [Risk]

Banco Plata, S.A., Institución de Banca Múltiple; United States; A distancia; USD 180.000 - 260.000; Jornada completa

Ventajas ofrecidas por este puesto de trabajo

Relocation assistance

Flexible work options

Healthcare coverage

Education budget

Wellness budget

Vacation days

Descripción de la vacante

Plata Plata is seeking a Principal AI Engineer to lead the foundation model program end to end, delivering production-grade models that directly influence cost of risk, approval rates, and portfolio NPV across a fast-growing credit portfolio.

You will work with billions of transactions and behavioral events from 3M+ customers, driving model quality from research direction to production deployment in a high-tech fintech environment.

Formación

• Experience applying deep learning to sequential data with transformer architectures is preferred.
• Strong foundation in statistics and probability theory.
• Experience taking large models to production: distributed training and model serving.
• Ability to balance solution complexity with practical applicability.

Conocimientos

Transformer models

Sequential modeling

Mathematical statistics

Probability theory

Production ML

Distributed training

Model serving

Communication skills

Educación

Math/Physics/CS degree

Descripción del empleo

About Plata Plata is one of the fastest-growing fintech companies in the world. In just 3 years, we've grown to 3M+ customers and reached a $5B+ valuation. We're now strengthening our Risk & Decisioning core team and are looking for a Principal AI Engineer to set the technical bar and build best-in-class, production-grade models that materially move business metrics.

Why this role

You will own our foundation model program end to end - from research direction to models running in production and driving real credit decisions. Your models directly move the numbers that matter: cost of risk, approval rates, and portfolio NPV across a fast-scaling credit portfolio. You'll work with one of the richest financial datasets in LATAM billions of transactions and behavioral events across 3M+ customers, growing daily.

What makes you a great fit

• Proven experience applying deep learning to sequential data - transformer architectures on event/transaction sequences strongly preferred, but not required.
• Strong foundation in mathematical statistics and probability theory.
• Deep understanding of machine learning algorithms (GBM, MLP, CNN, RNN, Transformers, etc.)
• Experience taking large models to production: distributed training, model serving, latency/cost trade-offs.
• Ability to strike a reasonable balance between solution complexity and practical applicability.
• Strong mathematical or technical education - degree in mathematics, physics, or CS from a top technical university.
• Kaggle Competitions Master/Grandmaster or equivalent (a plus); experience developing models in banking or consumer lending (a plus)
• Strong communication skills.

Our ways of working

• Innovative Spirit: a commitment to creativity and groundbreaking solutions
• Honest Feedback: valuing open, transparent communication
• Supportive Team: a strong, collaborative community
• Celebrating Achievements: recognizing our wins together
• High-Tech Environment: a team full of smart and revolutionary people who date to challenge the status quo of incumbent finances

Our benefits

• Relocation support to one of our hubs - Mexico, Cyprus, Serbia, Spain with assistance for the employee and their family
• Flexible work from one of our offices or remote
• Healthcare coverage
• Education budget: language lessons, professional training and certifications
• Wellness budget: mental health and fitness activity reimbursements
• Vacation policy: 20 days of annual leave and paid sick leave