Senior ML Engineer - Credit Risk & Growth | Flexible Scheduling

Datacontroller Toogeza Ltd.; United States; Remote; USD 140,000 - 190,000; Full time

Benefits offered by this job

20 paid days off

Flexible scheduling

Insurance support

International team

Job summary

toogeza is seeking an experienced Senior ML Engineer to join one of its clients in the FinTech sector. You will design, train, and deploy PD models and credit-limiting strategies for online lending platforms.

You'll leverage Python and modern ML methods, engineer features from large datasets, and build production-grade ML pipelines. Strong SQL and model monitoring are essential, with English at least B1 for collaboration across teams.

Qualifications

• 7+ years in ML/Data Science with 3+ years in credit-lending.
• Delivery and productionisation of PD models, credit-limit strategies, fraud detection, conversion uplift, and collections-optimisation.
• Advanced Python and solid ML algorithms, feature engineering, and model evaluation.
• Able to write, structure, and optimise complex SQL queries.
• Deep understanding of the credit lifecycle, online lending workflows.
• Sourcing, cleansing, and generating features from data sets.
• Experience setting up modelling environments (local, cloud, or on-prem).
• English: Intermediate (B1) or higher.

Responsibilities

• Design, train, and deploy probability of default models.
• Build credit-limit strategies.
• Discover and scope AI/ML opportunities to boost efficiency and revenue, including collections optimisation, fraud control, conversion lift, etc.
• Analyse data sources and engineer features for modelling.
• Produce and update internal model documentation.
• Implement model monitoring.
• Plan and execute A/B tests.
• Build Computer Vision pipelines to automate lending workflows.
• Develop LLM-based solutions that streamline internal processes or enhance customer experience.

Skills

ML/DS experience

Credit-lending experience

PD models production

Python

SQL proficiency

Credit lifecycle knowledge

Feature engineering

Model deployment

English (B1+)

Tools

Power BI

Job description

toogeza is seeking an experienced Senior ML Engineer to join one of its clients in the FinTech sector. You will design, train, and deploy PD models and credit-limiting strategies for online lending platforms.

You'll leverage Python and modern ML methods, engineer features from large datasets, and build production-grade ML pipelines. Strong SQL and model monitoring are essential, with English at least B1 for collaboration across teams.