Senior Machine Learning Engineer - Risk Modeling

Machine Learning Engineer, Risk

Position Overview

EarnIn is seeking a talented Machine Learning Engineer to join our team and focus on developing groundbreaking solutions through financial risk modeling. This role is integral to our mission of providing real-time financial flexibility and will involve significant investment in innovating ML applications within fintech.

About EarnIn

EarnIn is a pioneer in earned wage access, dedicated to building products that offer real-time financial flexibility for individuals living paycheck to paycheck. Our community members can 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 are backed by experienced leadership and world-class funding partners, experiencing rapid growth, and are looking for exceptional talent to shape our future.

Salary

• Range: $209,000 - $255,400 (base salary)
• Additional: Equity and benefits

Employment Type

• Full-time

Location Type

• Remote

Responsibilities

• Design, develop, A/B test, and deploy risk models in collaboration with data scientists to drive data-driven decisions.
• Enhance credit and fraud models by incorporating innovative features quarterly, 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.

Requirements

• Bachelor’s/Master’s in Computer Science, Engineering, or equivalent industry experience.
• 4+ years of machine learning experience with strong software engineering skills.
• Required: Experience with Risk modeling for financial use cases.
• Proficiency in ML techniques (LLMs, deep learning, sequence, and tree-based models).
• Plus: Credit/fraud risk and portfolio management knowledge.
• 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.

Company Information & Culture

At EarnIn, we believe in building a financial system that works for everyday people by hiring a diverse team that represents our community. We celebrate diversity in background, experience, and perspective, striving to create a culture of belonging. EarnIn does not unlawfully discriminate based on race, color, religion, sex, gender identity, gender expression, national origin, ancestry, citizenship, age, disability, medical condition, family care status, military or veteran status, marital status, sexual orientation, genetic information, or any other protected basis. EarnIn is an E-Verify participant.

Application Instructions

EarnIn does not accept unsolicited resumes from individual recruiters or third-party recruiting agencies. No fee will be paid to third parties who submit unsolicited candidates.