Plaid · 6 hours ago
Senior Machine Learning Engineer - Finance Management
New York, NY
Full-time
Onsite
Senior Level
$174K/yr - $260K/yr
5+ years expPlaid is dedicated to empowering the transformation of financial interactions by building tools and experiences for developers. The Senior Machine Learning Engineer will work on the Earned Wage Access team to develop risk models and strategies, optimize outcomes, and enhance predictive accuracy in repayment risk assessment.
BankingFinancial ServicesFinTech
Responsibilities
Shape Plaid’s first zero-to-one repayment risk framework for earned wage access, setting a new industry standard
Empower millions of workers with safer, more accessible EWA products by helping partners manage repayment risk responsibly
Dive deep into Plaid’s unique transaction and balance data to uncover new repayment risk signals
Partner closely with customers to conduct retros and design repayment strategies, demonstrating real-world impact
Experiment with new modeling approaches and features tailored for short-term liquidity and repayment behavior
Build dashboards and monitoring frameworks that bring transparency to repayment risk and model performance
Collaborate across product, engineering, and data teams to scale Plaid’s EWA risk solutions and improve product-market fit
Join a high-ownership, bottom-up driven team building the leading EWA score to surpass competitors in the space
Qualification
Required
5+ years of experience in applied analytics, decision science, or risk modeling, ideally within credit, lending, or payments
Strong ability to analyze and interpret large-scale financial datasets (transactions, balances, repayment behaviors) to generate insights
Proficiency in SQL, Python, and data visualization/analysis tool
Experience in model performance evaluation, monitoring, and feature development for credit or risk models
Ability to partner with customers and internal stakeholders to translate data insights into repayment strategies and product improvements
A track record of owning projects end-to-end and driving measurable business or customer impact
Familiarity with financial services, fintech, or EWA/payroll products is a strong plus
Advanced degree or equivalent work experience in Statistics, Economics, Mathematics, Data Science, or a related field
Company
Plaid
Plaid develops financial technology infrastructure that enables applications to connect with users' bank accounts and financial data.
501-1000 employees
H1B Sponsorship
Plaid has a track record of offering H1B sponsorships. Please note that this does not
guarantee sponsorship for this specific role. Below presents additional info for your
reference. (Data Powered by US Department of Labor)
Distribution of Different Job Fields Receiving Sponsorship
Represents job field similar to this job
Trends of Total Sponsorships
2025 (41)
2024 (41)
2023 (42)
2022 (53)
2021 (30)
2020 (11)
Funding
Current Stage
Late StageTotal Funding
$1.31BKey Investors
Franklin TempletonAltimeter CapitalGoldman Sachs Investment Partners
2025-04-03Series Unknown· $575M
2025-04-03Secondary Market
2023-10-19Series Unknown
Leadership Team
Zachary Perret
Co-Founder & CEO
Eric Sager
COO
Recent News
Index Ventures
2026-01-02
Spark Capital
2025-12-31
2025-12-31
Company data provided by crunchbase