EarnIn

Senior Machine Learning Engineer

Bengaluru, Karnataka, India

Not SpecifiedCompensation
Senior (5 to 8 years)Experience Level
Full TimeJob Type
UnknownVisa
FintechIndustries

Machine Learning Engineer

Employment Type: Hybrid (Bengaluru office)

About EarnIn

As one of the first pioneers of earned wage access, our passion at EarnIn is building products that deliver real-time financial flexibility for those with the unique needs of living paycheck to paycheck. Our community members access their earnings as they earn them, with options to spend, save, and grow their money without mandatory fees, interest rates, or credit checks.

We’re fortunate to have an incredibly experienced leadership team, combined with world-class funding partners like A16Z, Matrix Partners, DST, Ribbit Capital, and a very healthy core business with a tremendous runway. We’re growing fast and are excited to continue bringing world-class talent onboard to help shape the next chapter of our growth journey.

Position Overview

As a Fintech company where Machine Learning (ML) is one of the key features, our operations highly rely on machine learning models, from business decisions to customer experiences. Therefore, ensuring our machine learning systems’ health and scalability is critical.

To guarantee the success of machine learning systems, work needs to be done around transforming ML models to high-performance production-level code. This includes not only implementing sophisticated machine learning algorithms but also robustness monitoring, system logging/alarming, and DevOps. This position will be hybrid from our Bengaluru office as part of our expanding site location.

EarnIn provides excellent employee benefits, including healthcare, internet/cell phone reimbursement, a learning and development stipend, and opportunities to collaborate with and travel to our Palo Alto HQ and Bangkok Site.

Responsibilities

  • Design, build, and launch efficient and reliable machine learning (ML) models to drive business impact.
  • Train and validate state-of-the-art multi-modal, multi-task deep learning models as well as statistical models considering use-case, complexity, performance, and robustness.
  • Demonstrate end-to-end understanding of applications and develop a deep understanding of the “why” behind our models & systems.
  • Partner with product managers, tech leads, and stakeholders to analyze business problems, clarify requirements, and define the scope of the systems needed.
  • Work closely with data platform teams to enable robust, scalable batch and real-time data pipelines.
  • Drive high ML and engineering standards on the team through mentoring and knowledge sharing.
  • Drive engineering best practices around code reviews, automated testing, and monitoring.

Requirements

  • MS degree or PhD degree in Computer Science or a related technical field.
  • 4+ years of experience in ML engineering.
  • Strong programming skill in Python and data engineering skills.
  • Extensive knowledge of machine learning algorithms.
  • Hands-on experience on architectural patterns for large-scale software applications.
  • Industry experience building and productionizing machine learning systems.
  • Strong oral and written communication skills.
  • Experience in NLP or CV is a plus.

Company Information

EarnIn believes that the best way to build a financial system that works for everyday people is by hiring a team that represents our diverse community. Our team is diverse not only in background and experience but also in perspective. We celebrate our diversity and strive to create a culture of belonging.

EarnIn does not unlawfully discriminate based on race, color, religion, sex (including pregnancy, childbirth, breastfeeding, or related medical conditions), gender identity, gender expression, national origin, ancestry, citizenship, age, physical or mental disability, legally protected medical condition, family care status, military or veteran status, marital status, registered domestic partner status, sexual orientation, genetic information, or any other basis protected by local, state, or federal laws. EarnIn is an E-Verify participant.

Application Instructions

Please refer to the job description for application instructions.

Skills

Machine Learning
Deep Learning
Statistical Models
MLOps
DevOps
System Logging
Monitoring
Model Deployment
Model Validation
Multi-modal Models
Multi-task Models

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.

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