Machine Learning Engineer at EarnIn

Bengaluru, Karnataka, India

EarnIn Logo
Not SpecifiedCompensation
Junior (1 to 2 years)Experience Level
Full TimeJob Type
UnknownVisa
Fintech, SoftwareIndustries

Requirements

Candidates must possess a Bachelor's or Master's degree in Computer Science, Engineering, or a related field, coupled with over 3 years of industry machine learning experience and excellent software engineering skills. Familiarity with digital marketing concepts and metrics is essential, with prior experience in Marketing Mix Modeling (MMM), predicted Lifetime Value (LTV), incremental Lift estimation, geo lift tests, and causal inference being a significant advantage. Expertise in various machine learning and statistical techniques, including tree-based models, deep learning, and A/B testing, is required. Strong programming skills in Python and familiarity with ML frameworks like TensorFlow, PyTorch, XGBoost, and Scikit-Learn are necessary, as is hands-on experience with SQL and data manipulation tools. Experience with ML cloud platforms such as AWS Sagemaker, Databricks, or GCP Vertex AI, along with strong analytical, communication, and collaboration skills, are also crucial. A passion for continuous learning in machine learning trends is expected.

Responsibilities

The Machine Learning Engineer will design, build, A/B test, and maintain machine learning and statistical models to optimize audience, channel, campaign, creative, and customer journey, thereby improving ROI for user acquisition and lifecycle marketing. This role involves continuously optimizing the quality of machine learning models for Marketing Mix Modeling (MMM), predicted Lifetime Value (LTV), incremental Lift estimation, and causal inference. Responsibilities include analyzing large datasets to extract actionable insights and inform marketing decisions, collaborating with teams in the US and India, and clearly communicating findings and recommendations to stakeholders. The engineer will champion scientific rigor in data-driven decision-making and stay updated with the latest advancements in machine learning, statistical techniques, and marketing analytics to identify new business opportunities.

Skills

Machine Learning
Statistical Modeling
A/B Testing
Data Analysis
Experiment Design
Model Maintenance
User Acquisition
Customer Journey Optimization
Marketing ROI

EarnIn

Provides early wage access without fees

About EarnIn

Earnin allows individuals to access their earned wages before payday without any fees or interest. Users can cash out a portion of their earnings and benefit from features like the "Balance Shield," which helps maintain their bank account balance. Unlike traditional financial institutions, Earnin operates on a model where users choose how much to pay for the service, fostering a community-driven approach. The company's goal is to create a fairer financial system that prioritizes accessibility and mutual support.

Palo Alto, CaliforniaHeadquarters
2012Year Founded
$184.9MTotal Funding
SERIES_CCompany Stage
FintechIndustries
201-500Employees

Benefits

Life in balance - Ten company holidays and flexible time off so you can rest and recharge when you need it most. With pay, no catch.
Family matters - When your family grows, we want your focus on them. Our generous parental leave policy and wellness funds make it easy to put yourself and loved ones first.
Learn & grow - A commitment to career development that includes regular training for team members and managers alike, 360 feedback, and an annual stipend for growth opportunities.
Company culture - Employee Resource Groups provide growth opportunities and allow you to create the company *you* want to work at (more on that below).
Health & wellness - Flexible healthcare options across medical, dental, and vision—and a free Employee Assistance program offering mental health resources and legal advice.
Save & support - Includes Earnin’s 401(K) and FSA plans with tax advantages for retirement, healthcare, and dependent care expenses.

Risks

Legal challenges from deceptive lending allegations could harm Earnin's reputation.
Increased competition in early wage access may impact Earnin's market share.
Reliance on voluntary contributions may not sustain long-term revenue.

Differentiation

Earnin offers fee-free early wage access, unlike traditional payday loans.
Users choose their payment amount, fostering a community-driven financial model.
Balance Shield feature provides automatic deposits to prevent overdrafts.

Upsides

Earnin has facilitated over $15 billion in earnings access since 2013.
Recognition as Best Payments App highlights Earnin's fintech innovation.
Partnerships with gig platforms could expand Earnin's user base.

Land your dream remote job 3x faster with AI