Machine Learning Engineer, Underwriting

📋 Description

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• Senior IC building and evolving ML systems across modeling lifecycle.
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• Build, evaluate, and maintain underwriting and decisioning models.
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• Design underwriting decision frameworks: modeling, automation, policy logic.
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• Design and run experiments to measure impact on approvals, losses, margins.
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• Understand consumer behavior, repayment dynamics, portfolio structure.
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• Collaborate with Product, Engineering, Legal, Compliance, and Ops.
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🎯 Requirements

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• Master's degree in quantitative field; PhD welcomed.
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• 5+ years applying ML/AI in decisioning (credit, risk, etc.).
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• Experience with probabilistic models, calibration, score transforms.
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• Strong experimentation skills: holdouts, lift, metrics.
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• Model monitoring, degradation detection, retraining in production.
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• Deep underwriting knowledge: bank & cashflow analysis, unsecured risk.
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• Ability to explain modeling concepts to senior stakeholders.
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