Senior Machine Learning Engineer (Risk)

As one of the first pioneers of earned wage access, EarnIn delivers real-time financial flexibility for those living paycheck to paycheck. Members access their earnings as they earn them, with options to spend, save, and grow money without mandatory fees, interest rates, or credit checks.EarnIn has an experienced leadership team and strong funding partners. We are growing fast and are excited to continue bringing world-class talent onboard to shape the next chapter of our growth journey.Position SummaryMachine learning is integral to every financial service we provide. EarnIn is investing in innovative ML applications within fintech, focusing on financial risk modeling to enable substantial business and social impact. This full-time, hybrid role offers a base salary range of $232,200 - $283,800, plus equity and benefits. Salary ranges are determined by role, level, and location. This position requires 2 days per week in our Mountain View office.What You'll DoDesign, 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 each 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 ForBachelor’s or 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.At EarnIn, we believe that the best way to build a financial system that works for everyday people is by hiring a team that represents our diverse community. We celebrate diversity and strive to create a culture of belonging. EarnIn is an E-Verify participant and does not unlawfully discriminate based on race, color, religion, sex, gender identity or expression, national origin, age, disability, or any other basis protected by law.EarnIn does not accept unsolicited resumes from individual recruiters or third-party recruiting agencies. No fee will be paid to third parties who submit unsolicited candidates directly to our hiring managers or HR team. #J-18808-Ljbffr

Created: 2025-09-17