Senior ML Engineer: Underwriting & Decisioning

FloatMe; United States; Remote; USD 140,000 - 190,000; Full time

Job summary

FloatMe is hiring a Machine Learning Engineer to build and own the models behind our underwriting and decisioning systems. You will operate across the full modeling lifecycle—from problem framing and feature development to deployment, monitoring, and production iteration—affecting real outcomes in fintech.

As a senior contributor, you will collaborate with Product, Engineering, Legal, Compliance, and Operations to ensure models meet business goals and regulatory expectations while pursuing

Qualifications

• Master's degree in a quantitative field (e.g., Mathematics, Statistics, Physics, CS).
• 5+ years applying AI/ML or statistical modeling in decisioning contexts such as credit, risk, fraud, recommendations, or similar domains.
• Experience with probabilistic models and decision systems, including calibration and interpretation of outputs.
• Strong experimentation skills: design holdouts, measure lift, and evaluate models beyond averages.
• Experience with model monitoring, degradation detection, and retraining strategies in production.
• Deep knowledge of underwriting using bank & cashflow analysis, bureau & alternative data for unsecured credit risk.

Responsibilities

• Be a senior individual contributor building and evolving ML systems for underwriting and decisioning.
• Build, evaluate, and maintain underwriting models.
• Design and evolve underwriting decision frameworks including policy logic and exposure management.
• Run experiments to evaluate model performance and impact on approvals, loss, and margins.
• Develop understanding of customer behavior and portfolio structure to inform model design.
• Explain model behavior and tradeoffs to senior leaders.
• Develop and maintain KPIs and periodic analyses for risk and growth.
• Collaborate with Product, Engineering, Legal, Compliance, and Operations to align with business goals.

Skills

Python

ML

Pandas

scikit-learn

PyTorch

XGBoost

LightGBM

SQL

AWS

Education

Master's degree in a quantitative field

Tools

Snowflake

Looker

PowerBI

Tableau

GitHub

Job description

FloatMe is hiring a Machine Learning Engineer to build and own the models behind our underwriting and decisioning systems. You will operate across the full modeling lifecycle—from problem framing and feature development to deployment, monitoring, and production iteration—affecting real outcomes in fintech.

As a senior contributor, you will collaborate with Product, Engineering, Legal, Compliance, and Operations to ensure models meet business goals and regulatory expectations while pursuing