Machine Learning Engineer

Plaid’s Credit team applies machine learning to help millions of people better understand and grow their financial lives. In this role, you will design, build, and deploy scalable machine learning solutions for LendScore and cash-flow-based underwriting, owning the full model lifecycle while partnering across teams to productionize models and improve them through monitoring. The team emphasizes impact, collaboration, and inventing tomorrow, with a high-ownership, bottom-up culture.

What you’ll do

• Develop and productionize AI and machine learning models, taking them from offline training to online serving and ongoing monitoring.
• Run experiments on modeling approaches for credit use cases, balancing model performance with lending environment requirements.
• Partner with engineering teams to ingest signals and build the systems required to bring models into production.
• Contribute to early-stage (0-to-1) work as well as the scaling and improvement of established solutions.
• Collaborate with teams across Plaid to help shape the machine learning roadmap.
• Use data exploration and evidence-based analysis to guide day-to-day decisions.

What you bring

• 2+ years of experience training and serving AI or machine learning models in a production environment.
• Experience in fintech lending, with a strong understanding of how models are built and used in lending.
• Experience building or working with data-intensive backend applications in large, distributed systems.
• Ability to code and iterate independently using tools and infrastructure such as Python, Spark, Jupyter notebooks, and standard machine learning libraries.
• A track record of taking ownership and driving projects to business impact.
• Ability to work effectively with both technical and non-technical teams.
• Master’s degree or equivalent work experience in Computer Science, Mathematics, Engineering, or a closely related field.
• Nice to have: Experience in data analytics or data engineering.

Technologies you’ll use

• Python
• Spark
• Jupyter notebooks
• Standard machine learning libraries

Compensation and benefits

Salary range: USD 211,680 to 272,160 per year. Offers equity; additional compensation may include equity and/or commission depending on the position offered. Pay is based on scope and responsibilities, candidate experience and skillset, and location. Compensation range and benefits are subject to change.

• Medical, dental, and vision benefits via a comprehensive benefit plan
• 401(k)

Location and employment

New York City office (85 Spring Street, 10th Floor, New York, New York, 10012). This is a full-time role in a hybrid work arrangement.

About the team

You will be part of Plaid’s Data organization, building models that help millions of people better understand and grow their financial lives. The team focuses on credit, applying machine learning to high-impact product challenges and supporting the next wave of cash-flow-based underwriting.