Senior Machine Learning Engineer (Risk) at EarnIn

Mountain View, California, United States

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$232,200 – $283,800Compensation

Senior (5 to 8 years)Experience Level

Full TimeJob Type

UnknownVisa

FintechIndustries

Requirements

Bachelor’s/Master’s in Computer Science, Engineering, or equivalent industry experience
4+ years of machine learning experience with strong software engineering skills
Experience with Risk modeling for financial use cases
Proficiency in ML techniques (LLMs, deep learning, sequence, and tree-based models); credit/fraud risk and portfolio management knowledge is a plus
Advanced Python programming, SQL, and data manipulation skills
Experience with ML frameworks (TensorFlow, PyTorch) and cloud platforms (AWS Sagemaker, Databricks, GCP Vertex AI)
Excellent communication and collaboration abilities
A passion for continuous learning and personal growth in a dynamic work environment

Responsibilities

Design, develop, A/B test, and deploy risk models while collaborating with data scientists to drive data-driven decisions
Enhance credit and fraud models by incorporating innovative features every quarter and leveraging the latest industry research
Monitor feature and model health, and communicate changes in model decisions
Explore and integrate advanced technologies, including deep learning and LLMs, in the risk domain
Lead by example to foster operational excellence and transformative change
Expand responsibilities as new products emerge

Skills

Machine Learning

Risk Modeling

Credit Modeling

Fraud Detection

Deep Learning

LLMs

A/B Testing

Model Deployment

Feature Engineering

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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