Machine Learning Engineer - Credit Risk

Machine Learning Engineer - Credit RiskFoundational Hire | Early-Stage Fintech (US Remote)Up to circa $200,000 + Founder EquityRemote within USA

A high‑growth, YC‑backed startup (seed stage) is hiring its first ML Engineer to build the entire intelligence layer behind a product already scaling fast across the US.

They’re solving a hair‑on‑fire problem affecting millions of small and medium businesses: cash‑flow volatility. The platform helps business owners smooth out mission‑critical expenses using real‑time financial insights and flexible repayment structures. They’ve launched, are growing rapidly, and have early partnerships with major industry platforms.

This is a foundational role—you’ll be designing and shipping models that directly control real financial decisions in production. Think underwriting, risk modelling, cash‑flow intelligence, and decisioning systems that will scale with the company.

What You’ll Do

• Build clean, production-ready ML systems and underwriting models
• Analyse historical and transaction‑level data to surface patterns, risk signals, and predictors of performance
• Develop and iterate on adaptive underwriting (elastic, feedback‑driven, behaviour‑based)
• Own risk scoring, threshold optimisation, and decisioning logic
• Implement continuous learning loops to refine model behaviour month over month
• Work cross‑functionally with founders to influence product, risk, and roadmap decisions

What They’re Looking For

• 2+ years of experience (not fresh-grad; able to operate independently)
• Experience deploying ML models into production environments
• Strong data analysis skills (messy, noisy financial data a plus)
• Comfort working with LLMs/prompting for categorisation and pattern detection
• Experience in credit risk / underwriting / financial modelling is a major advantage
• Someone who thrives in ambiguity, ownership, and early‑stage environments

Tech Environment

• ML: Python, production model deployment, risk scoring
• Backend/frontend: TypeScript (Node/Express, Next.js, React Native)
• Cloud & data: PostgreSQL, Supabase, GCP
• Integrations: Plaid, Stripe

Why This Role Is Rare

• You’re the first ML hire — nothing is rigid, everything you build becomes the foundation
• Your models impact real money and real outcomes
• Direct exposure and collaboration with founders
• Meaningful equity + high‑ownership environment
• A chance to define the ML direction and eventually grow into a team lead

Compensation

• Base: $150k–$200k (DOE)
• Equity: Founding‑level equity

Location

• Remote (US) — founders are East Coast–based but open on location

If you want to own ML at a fast‑scaling fintech and build systems that make real financial decisions from day one, this is a standout opportunity.