ChatGPT Jobs · 11 hours ago
Staff/Principal Machine Learning Engineer (Modeling), Credit
United States
Full-time
Remote
Lead/Staff
10+ years expChatGPT Jobs is seeking a Staff/Principal Machine Learning Engineer (Modeling) to join their Credit team. The role involves building and evolving machine learning systems that underpin credit products, focusing on the full modeling lifecycle and ensuring high standards in model performance and reliability. The position requires collaboration across various teams to align credit systems with business goals and regulatory expectations.
Computer Software
Responsibilities
Build, evaluate, and maintain underwriting and decisioning models across Cash App Borrow and Afterpay
Design and evolve credit decision frameworks, including the modeling, automation, and policy logic that manage credit exposure over time
Design and run experiments to evaluate model performance, measure impact on approval rates and loss, and inform credit policy decisions
Develop deep understanding of borrower behavior, repayment dynamics, and portfolio structure across both products, and use that to inform model design and decision logic
Contribute analysis and perspective that inform portfolio-level decisions, including explaining model behavior, tradeoffs, and uncertainty to senior technical and business leaders
Work across the full modeling lifecycle: problem formulation, feature engineering, training, calibration, deployment, monitoring, and iteration in production
Build agentic engineering workflows that accelerate development, testing, and documentation
Collaborate with Product, Engineering, Legal, Compliance, and Operations to ensure credit systems reflect business goals and regulatory expectations
Share modeling context and approaches across teams, helping align how credit risk is measured, interpreted, and discussed
Shape how AI developer tooling is adopted across the team, defining review practices, quality standards, and governance patterns
Qualification
Required
A Bachelor's degree in a quantitative field (e.g., Mathematics, Statistics, Physics, Computer Science). Advanced degrees welcome
10+ years applying AI, machine learning, or statistical modeling in decisioning contexts such as credit, risk, fraud, recommendations, or similar domains
Experience with probabilistic models and decision systems, including calibration, score transformations, and interpretation of model outputs
Strong experimentation skills: you know how to design holdouts, measure lift, and evaluate models beyond aggregate metrics
Experience with model monitoring, degradation detection, and retraining strategies in production systems
Proficiency with AI-native development workflows. You use LLMs, agentic coding tools, and AI-assisted automation as a regular part of how you build and ship
Experience explaining modeling concepts, results, and limitations to senior stakeholders and cross-functional partners
Experience working across disciplines in environments with meaningful constraints
Company
ChatGPT Jobs
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2-10 employees
Funding
Current Stage
Early StageCompany data provided by crunchbase