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Senior Machine Learning Engineer - Payments

United States, San Francisco 225600.00 - 337200.00 USD / Year · Job Posted January 25, 2026
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Job Description

We build simple yet innovative consumer products and developer APIs that shape how everybody interacts with money and the financial system. Plaid’s Machine Learning team is building models that improve how millions of users understand and grow their financial lives. You’ll be a machine learning engineer as a part of the core ML payments team, contributing to diverse, high-impact machine learning challenges. Specifically, you will focus on designing, building and deploying scalable ML solutions and systems. You will lead the efforts to experiment with new modeling approaches and strategies, as well as collaborating closely with a skilled team of engineers on ingesting signals and productionizing these models.

Job Responsibility

  • Build with impact. Your work will empower millions of users through well-known and emerging Fintech Applications with access to financial services
  • Experiment with cutting edge ML modeling techniques
  • Work on both 0-1 stage problems as well as 1-10
  • Develop AI/ML models in a full life cycle, from offline training to online serving and monitoring
  • Collaborate with teams across Plaid to define ML roadmap
  • Dive deep into data and apply data driven decisions in day-to-day work
  • A high ownership, bottom-up driven team

Requirements

  • 5+ years in training and serving AI/ML models in a production environment
  • Experience in building/working with data intensive backend applications in large distributed systems
  • Ability to code and iterate independently on top of data infrastructure tools like Python, Spark, Jupyter notebooks, standard ML libraries, etc.
  • Take pride in taking ownership and driving projects to business impact
  • Ability to work with technical and non-technical teams
  • Master's degree or equivalent work experience in Computer Science, Mathematics, Engineering, or a closely related field

Nice to have

  • Data analytics and data engineering experience is a plus
  • Experience with the industry application of NLP is a plus
  • Experience with the FinTech industry is a plus

What we offer

  • equity
  • commission
  • medical
  • dental
  • vision
  • 401(k)

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