Senior Machine Learning Engineer (Risk)

Machine learning is integral to every financial service we provide. As we embark on a transformative phase, EarnIn is making significant investments to innovate and set new standards in ML applications within fintech. This role will focus on developing groundbreaking solutions through financial risk modeling, generating substantial business and social impact.

The base salary range for this full-time position is $232,200 - $283,800, plus equity and benefits. Our salary ranges are determined by role, level, and location. This is a hybrid position requiring 2 days a week in our Mountain View office.

What You'll Do:

• 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.

What We're Looking For:

• 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 is required.
• 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.