Machine Learning Engineer - Lendscore

Plaid • New York, NY

6d

About The Position

Plaid’s Data organization builds models that help people understand and grow their financial lives. The Credit team applies machine learning to credit and lending challenges, including cash-flow-based underwriting, while building solutions to the standards required in lending environments.

As a Machine Learning Engineer on the Credit team, you will design, build, and deploy scalable machine learning solutions supporting LendScore and the future of cash-flow-based underwriting. You will work across the model lifecycle, from experimentation and offline training through production serving and monitoring, partnering with engineers and cross-functional teams to turn data and modeling approaches into reliable systems. The role includes both early-stage problems and scaling established solutions, with opportunities to influence the machine learning roadmap and business impact.

Plaid’s mission is to unlock financial freedom for everyone and build a more equitable financial ecosystem. The company is an equal opportunity employer and provides reasonable accommodations to candidates with disabilities.

Requirements

• 2+ years of experience training and serving AI or machine learning models in a production environment.
• Experience in fintech lending and 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 data infrastructure tools 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 Haves

• Experience in data analytics or data engineering.

Responsibilities

• Develop and productionize AI and machine learning models, from offline training through online serving and ongoing monitoring.
• Experiment with modeling approaches and strategies for credit use cases, balancing model performance with lending-environment requirements.
• Partner with engineering teams to ingest signals and build the systems needed to bring models into production.
• Contribute to both 0-to-1 problems and the scaling and improvement of established solutions.
• Collaborate with teams across Plaid to help define the machine learning roadmap.
• Dive into data and use evidence-based analysis to guide day-to-day decisions.

Benefits

• Comprehensive benefit plan, including medical, dental, vision, and 401(k).
• Additional compensation in the form of equity and/or commission, depending on the position offered.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level