Senior Machine Learning Engineer (Fintech)

TL;DR

Senior Machine Learning Engineer (Fintech): Building and evolving ML systems for credit products like Cash App Borrow and Afterpay, with an accent on model calibration, feature generalization, and balancing approval rates against loss performance. Focus on designing and running experiments, understanding borrower behavior, and shaping AI developer tooling for rigorous and auditable workflows.

Location: This role is fully remote for candidates based in the US or Canada.

Salary: $228,700–$343,100 USD (for US locations in Zone A)

Company

hirify.global builds technology to increase access to the global economy through brands like Square, Cash App, Afterpay, Tidal, Bitkey, and Proto.

What you will do

• Build, evaluate, and maintain underwriting and decisioning models across Cash App Borrow and Afterpay.
• Design and evolve credit decision frameworks and policy logic to manage credit exposure over time.
• Design and run experiments to evaluate model performance and measure impact on approval rates and loss.
• Develop deep understanding of borrower behavior, repayment dynamics, and portfolio structure across products.
• Contribute analysis and perspective to inform portfolio-level decisions and explain model behavior to leaders.
• Work across the full modeling lifecycle: problem formulation, feature engineering, training, deployment, monitoring, and iteration.
• Build agentic engineering workflows that accelerate development, testing, and documentation.
• Collaborate with Product, Engineering, Legal, Compliance, and Operations to ensure credit systems align with business goals and regulatory expectations.
• Share modeling context and approaches across teams.
• Shape how AI developer tooling is adopted, defining review practices, quality standards, and governance patterns.

Requirements

• A Bachelor's degree in a quantitative field (e.g., Mathematics, Statistics, Physics, Computer Science).
• 10+ years applying AI, machine learning, or statistical modeling in decisioning contexts such as credit, risk, fraud, or recommendations.
• Experience with probabilistic models and decision systems, including calibration and interpretation of model outputs.
• Strong experimentation skills: designing holdouts, measuring lift, and evaluating models beyond aggregate metrics.
• Experience with model monitoring, degradation detection, and retraining strategies in production systems.
• Proficiency with AI-native development workflows, using 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.

Nice to have

• Advanced degrees are welcome.

Culture & Benefits

• Distributed team since day one with a culture geared toward innovation, collaboration, and impact.
• Fully remote role with tailored experiences to ensure employees are creative, productive, and happy.
• Market-based pay determined by location, skills, and experience.
• Comprehensive benefits including medical insurance, flexible time off, and retirement savings plans.
• Modern family planning support.
• Use of automated AI tools in the hiring process for efficiency and consistency.