EarnIn

Senior Machine Learning Engineer: ML Algorithms

Mountain View, California, United States

$232,200 – $283,800Compensation
Senior (5 to 8 years)Experience Level
Full TimeJob Type
UnknownVisa
FintechIndustries

Requirements

Candidates should possess a Bachelor’s or Master’s degree in Computer Science, Engineering, or a related field, along with a minimum of 4 years of experience in machine learning, demonstrating strong software engineering skills. Experience with risk modeling specifically for financial use cases is required, and proficiency in ML techniques such as LLMs, deep learning, sequence, and tree-based models is desired, along with knowledge of credit/fraud risk and portfolio management. Advanced skills in Python programming, SQL, and data manipulation are also necessary.

Responsibilities

As a Senior Machine Learning Engineer, you will be responsible for designing, developing, A/B testing, and deploying risk models while collaborating with data scientists to drive data-driven decisions, enhancing credit and fraud models by adding innovative features quarterly, monitoring feature and model health, and communicating changes in model decisions. You will also explore and integrate advanced technologies, including deep learning and LLMs, in the risk domain, and lead by example to foster operational excellence and transformative change, expanding responsibilities as new product needs arise.

Skills

Machine Learning
Risk Modeling
Deep Learning
LLMs
Sequence Models
Tree-based Models
Python
SQL
Data Manipulation
TensorFlow
PyTorch
AWS Sagemaker
Databricks
GCP Vertex AI
Communication
Collaboration

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