Senior Machine Learning Engineer - Risk Modeling

United States

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$209,000 – $255,400Compensation

Senior (5 to 8 years)Experience Level

Full TimeJob Type

UnknownVisa

Financial Technology, 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 for financial use cases is required, and proficiency in ML techniques such as LLMs, deep learning, and sequence/tree-based models is preferred, alongside knowledge of credit/fraud risk and portfolio management. Advanced skills in Python programming, SQL, and data manipulation are also necessary. Familiarity with ML frameworks like TensorFlow and PyTorch, and cloud platforms like AWS Sagemaker, Databricks, or GCP Vertex AI, is expected.

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. You will enhance credit and fraud models by incorporating innovative features and leveraging industry research, monitor feature and model health, and communicate changes in model decisions. Furthermore, you will explore and integrate advanced technologies like deep learning and LLMs in the risk domain, and lead by example to foster operational excellence and transformative change, expanding responsibilities as new products emerge.

Skills

Risk Modeling

Financial Risk

Credit Models

Fraud Detection

Deep Learning

Large Language Models (LLMs)

A/B Testing

Model Deployment

Data Analysis

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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