Staff/Principal Machine Learning Engineer (Modeling), Credit

Block

15 days ago

San Francisco, CA, USA

Staff+

H1B Sponsor

Base Salary

$195k - $343k/yr

Responsibilities

Build, evaluate, and maintain underwriting and decisioning models across Cash App Borrow and Afterpay.
Design and evolve credit decision frameworks, including modeling and policy logic.
Run experiments to evaluate model performance and inform credit policy decisions.
Develop an understanding of borrower behavior and portfolio structure to inform model design.
Contribute analysis that informs portfolio-level decisions and explains model behavior to stakeholders.
Manage the full modeling lifecycle from problem formulation to iteration in production.
Build workflows that accelerate development, testing, and documentation.
Collaborate with various teams to ensure credit systems meet business and regulatory expectations.
Share modeling context and approaches across teams to align credit risk measurement.
Shape the adoption of AI developer tooling across the team.

Bachelor's degree in a quantitative field; advanced degrees are welcome.
10+ years of experience in AI, machine learning, or statistical modeling in decisioning contexts.
Experience with probabilistic models and decision systems.
Strong experimentation skills, including designing holdouts and measuring lift.
Experience with model monitoring and retraining strategies in production systems.
Proficiency with AI-native development workflows and tools.
Ability to explain modeling concepts and results to senior stakeholders.
Experience working across disciplines in constrained environments.

Apache AirflowAWSGoogle Cloud PlatformLightGBMMLflowNumPyPandasPythonPyTorchscikit-learnSnowflakeSQLXGBoost