Machine Learning Engineer - Lendscore
Plaid · New York City Office
About this role
**Machine Learning Engineer — Lendscore (Plaid)** **About Plaid** Plaid empowers the next era of financial experiences by helping developers build products that connect to users’ financial accounts. Plaid powers tools relied on by millions of people and works with thousands of companies and financial institutions across the US, Canada, UK, and Europe. **About the Team** You’ll be part of Plaid’s Data organization, building machine learning models that help millions of people better understand and grow their financial lives. The Credit team focuses on credit modeling and supporting cash-flow-based underwriting. **About the Role** As a Machine Learning Engineer on the Credit team, you’ll design, build, and deploy scalable ML solutions that support **LendScore** and the future of cash-flow-based underwriting. You’ll work across the full model lifecycle—from experimentation and offline training to production serving and monitoring—and partner with engineers and cross-functional teams to turn data and new modeling approaches into reliable systems. **In this role, you will:** - Develop and productionize AI/ML models from offline training through online serving and ongoing monitoring - Experiment with modeling approaches for credit use cases, balancing performance with lending requirements - Partner with engineering teams to ingest signals and build production systems - Contribute to both 0-to-1 problems and scaling/improving established solutions - Collaborate across Plaid to help define the ML roadmap - Use data and evidence-based analysis to guide day-to-day decisions **What Excites You** - Building products that empower millions through fintech applications - Experimenting with modern ML techniques on meaningful credit and lending problems - Working across the full lifecycle of ML systems (exploration → production → continuous improvement) - Tackling greenfield challenges and scaling solutions that already deliver value - Joining a high-ownership, bottom-up team that shapes the roadmap and drives impact **What Excites Us** - 2+ years of experience training and serving AI/ML models in production - Fintech lending experience and strong understanding of how lending models are built and used - Experience building data-intensive backend applications in large, distributed systems - Ability to code and iterate independently using tools such as **Python, Spark, Jupyter notebooks**, and standard ML libraries - Track record of ownership and driving projects to business impact - Ability to work effectively with technical and non-technical teams - Master’s degree or equivalent experience in CS, Math, Engineering, or related field - *Nice to have:* experience in data analytics or data engineering **Mission & Equal Opportunity** Plaid’s mission is to unlock financial freedom for everyone. Plaid is an equal opportunity employer and values diversity. They encourage applicants to apply even if they don’t fully match every requirement. **Compensation & Benefits** Additional compensation may include equity and/or commission depending on the role. Plaid offers a comprehensive benefits plan (medical, dental, vision, 401(k)). Pay is based on scope, responsibilities, experience/skills, and location, and may change over time.
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