Machine Learning Engineer - Lendscore

About the Team

We’re part of Plaid’s Data organization, building models that help millions of people better understand and grow their financial lives. We apply machine learning to high-impact product challenges, working across product areas to develop solutions that create meaningful customer value.

We focus on credit, building models to the standards required in lending and supporting the next wave of cash-flow-based underwriting. We value technical expertise, creativity, user empathy, and teamwork, and we’re guided by Plaid’s principles of impact, growing together, openness and positivity, and inventing tomorrow.

About the Role

As a Machine Learning Engineer on the Credit team, you’ll design, build, and deploy scalable machine learning 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 through 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 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 the requirements of lending environments.
• 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.

What Excites You

• Building products that can empower millions of people through well-known and emerging fintech applications.
• Experimenting with modern machine learning techniques on meaningful credit and lending problems.
• Working across the full lifecycle of machine learning systems, from exploration to production and ongoing improvement.
• Taking on both greenfield challenges and opportunities to scale solutions that are already delivering value.
• Joining a high-ownership, bottom-up team where your work can shape the roadmap and drive business impact.

What Excites Us

• 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 have: Experience in data analytics or data engineering.

Additional compensation in the form(s) of equity and/or commission are dependent on the position offered. Plaid provides a comprehensive benefit plan, including medical, dental, vision, and 401(k). Pay is based on factors such as (but not limited to) scope and responsibilities of the position, candidate's work experience and skillset, and location. Pay and benefits are subject to change at any time, consistent with the terms of any applicable compensation or benefit plans.