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The Money org at DoorDash builds the financial products and platforms that power our marketplace. We are forming a new Money Machine Learning team, and this role will be the founding ML engineer. The team’s initial focus will be on underwriting and decisioning for merchant cash advances and lending products, with a broader mandate over time to support other high-impact Money initiatives. This team will sit at the intersection of fintech bets and the Money platform, building reusable ML systems that scale across products.
Job Responsibility:
Lead the design, development, and deployment of production-grade ML systems that drive financial decisioning across DoorDash’s Money ecosystem
Own ML-driven underwriting models for merchant cash advances, partnering closely with Product, Risk, Data Science, and Engineering to improve approval rates, loss performance, and capital efficiency
Broaden scope to support additional initiatives such as banking products, payouts, and consumer payments optimization
Set best practices for model development, deployment, monitoring, and governance across the Money org
Influence architecture, strategy, and execution beyond a single team
Help shape the future of Money ML at DoorDash, with the opportunity to mentor others and grow a team over time
Requirements:
8+ years of industry experience building and deploying production-scale ML systems
Direct experience with credit, lending, or cash advance underwriting, including risk modeling and decisioning
Strong foundation in statistics, probability, and machine learning, and know how to apply them to noisy, real-world financial data
Fluent in Python (and/or Java, Scala, or C++) and experienced with ML frameworks such as XGBoost, PyTorch, TensorFlow, or similar
Designed and operated ML systems in production, including monitoring, retraining, and model governance
Can lead complex technical projects end-to-end, influencing stakeholders across multiple orgs
Communicate clearly and effectively with technical and non-technical audiences
Excited about building something new and operating with ambiguity at high ownership
Nice to have:
Experience in fintech, payments, banking, or marketplace risk systems is a strong plus