Staff Machine Learning Engineer, Underwriting and Credit
Core
Building and evolving machine learning systems for underwriting and credit decisioning on Cash App Borrow and Afterpay to determine credit access, amounts, and terms for diverse borrower populations.
Role type
Staff Machine Learning Engineer (Credit Modeling)
Builds
Credit decisioning models, frameworks, and agentic engineering workflows for Cash App Borrow and Afterpay.
Domain
Fintech / Consumer Lending / Credit Risk
Deliverable
production ML models
Required skills
probabilistic modeling, calibration, score transformations, experimental design (holdouts, lift measurement), model monitoring and degradation detection, feature engineering, AI-native development workflows (LLMs, agentic coding tools), stakeholder communication
Preferred skills
experience with thin/no credit history populations, portfolio-level analysis, defining governance patterns for AI tooling
Technologies
Python, NumPy, Pandas, scikit-learn, PyTorch, XGBoost, LightGBM, MLflow, Snowflake, SQL, GCP, AWS, Claude Code, Cursor, Copilot, Prefect, Airflow
Responsibilities
Build, evaluate, and maintain underwriting and decisioning models; Design and evolve credit decision frameworks; Design and run experiments to evaluate model performance; Develop deep understanding of borrower behavior and repayment dynamics; Contribute analysis to inform portfolio-level decisions; Work across the full modeling lifecycle; Build agentic engineering workflows; Collaborate with cross-functional teams to ensure regulatory compliance; Share modeling context across teams; Shape AI developer tooling adoption.
Seniority
Staff, hands-on IC with strategic influence
