# Senior Machine Learning Engineer - Credit

**Company:** [Plaid](https://hotfix.jobs/companies/plaid)
**Location:** San Francisco, CA, New York, NY, Seattle, WA
**Role:** ML Engineering
**Salary:** $229k – $315k/yr
**Experience:** 6+ years
**Skills:** Python, Spark, Machine Learning, Natural Language Processing, Anomaly Detection, Time Series Forecasting, Optimization, Jupyter Notebooks, Distributed Systems, Data Engineering
**Posted:** 2026-05-21

> Senior ML Engineer focused on building, deploying, and monitoring credit underwriting models. Requires 6+ years production ML experience, fintech lending knowledge, and Python/Spark proficiency.

## Job Description

## Responsibilities
- Build machine learning systems that empower millions of users through well-known and emerging fintech applications with access to financial services
- Experiment with cutting-edge machine learning modeling techniques across high-impact credit use cases
- Work on both 0-1 stage problems and scaling systems from 1-10
- Develop AI and machine learning models across the full lifecycle, from offline training to online serving and monitoring
- Design, build, and deploy scalable ML solutions and systems in a production environment
- Collaborate with teams across Plaid to define the machine learning roadmap
- Dive deep into data and apply data-driven decision-making in day-to-day work
- Operate with high ownership on a bottom-up driven team

## Requirements
- 6+ years of experience training and serving AI and machine learning models in a production environment
- Experience in fintech lending, with a strong understanding of how models are built in that space
- Experience building or working with data-intensive backend applications in large distributed systems
- Ability to code and iterate independently using tools such as Python, Spark, Jupyter notebooks, and standard machine learning libraries
- Strong ownership mindset and a track record of 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
- Data analytics and data engineering experience

## Similar roles

- [Senior AI Builder](https://hotfix.jobs/jobs/fd88a4f0-f7fe-4be4-a5d3-4e11a245c4af) - Earnin - Mountain View, CA - $228k – $279k/yr
- [Senior AI Engineer, Agentic Data Enrichment](https://hotfix.jobs/jobs/b8c6a9c2-b17f-4be4-af78-3f9ac0b761d6) - Baselayer - San Francisco, CA - $230k – $340k/yr
- [Technical Lead Manager](https://hotfix.jobs/jobs/459dd304-2f00-4641-bc79-7f32e42e51c1) - Instabase - San Francisco, CA - $230k – $270k/yr
- [Senior Machine Learning Engineer](https://hotfix.jobs/jobs/29ce42de-a923-433c-a975-ea7af29ca814) - Otter - Mountain View, CA - $230k – $265k/yr
- [Senior Research Engineer - Safety Tooling and Data](https://hotfix.jobs/jobs/ca7e0d7f-a90f-4333-8437-612d086669af) - Cohere - Remote - $230k – $380k/yr

**Apply:** https://hotfix.jobs/jobs/b9b7ab18-faa4-4471-aeef-b31e40917d07
**Canonical:** https://hotfix.jobs/jobs/b9b7ab18-faa4-4471-aeef-b31e40917d07