Staff Machine Learning Engineer, Underwriting and Credit

You will be a senior contributor on the Credit Modeling team, building and evolving ML systems behind underwriting and credit products across the full modeling lifecycle. The role focuses on credit decisioning, experimentation, production model operations, and AI-assisted engineering workflows. It is fully remote for candidates based in the US or Canada.

Responsibilities

• Build, evaluate, and maintain underwriting and decisioning models across Cash App Borrow and Afterpay.
• Design and evolve credit decision frameworks, modeling automation, and policy logic that manage credit exposure over time.
• Design and run experiments to evaluate model performance, approval rates, loss, and credit policy decisions.
• Develop understanding of borrower behavior, repayment dynamics, and portfolio structure to inform model design and decision logic.
• Explain model behavior, tradeoffs, and uncertainty to senior technical and business leaders.
• Work across problem formulation, feature engineering, training, calibration, deployment, monitoring, and iteration in production.
• Build agentic engineering workflows that accelerate development, testing, and documentation.
• Collaborate with Product, Engineering, Legal, Compliance, and Operations.
• Share modeling context and approaches across teams.
• Shape AI developer tooling adoption through review practices, quality standards, and governance patterns.

Requirements

• Bachelor's degree in a quantitative field such as Mathematics, Statistics, Physics, or Computer Science; advanced degrees welcome.
• 10+ years applying AI, machine learning, or statistical modeling in decisioning contexts such as credit, risk, fraud, recommendations, or similar domains.
• Experience with probabilistic models and decision systems, including calibration, score transformations, and model-output interpretation.
• Strong experimentation skills, including holdouts, lift measurement, and evaluation beyond aggregate metrics.
• Experience with production model monitoring, degradation detection, and retraining strategies.
• Proficiency with AI-native development workflows, LLMs, agentic coding tools, and AI-assisted automation.
• Experience explaining modeling concepts, results, and limitations to senior stakeholders and cross-functional partners.
• Experience working across disciplines in environments with meaningful constraints.

Benefits

• Remote work
• Medical insurance
• Flexible time off
• Retirement savings plans
• Modern family planning