Staff Machine Learning Engineer, Underwriting and Credit

📋 Description Build, evaluate, and maintain underwriting and decisioning models for Cash App Borrow and Afterpay. Design and evolve credit decision frameworks, modeling, automation, and policy logic. Design and run experiments to measure model impact on approvals and losses. Develop understanding of borrower behavior and portfolio dynamics to inform design. Provide analysis to inform portfolio decisions and explain model tradeoffs to leaders. Cover full modeling lifecycle: problem formulation to production monitoring. 🎯 Requirements Bachelor's degree in a quantitative field; advanced degrees welcome. 10+ years applying AI/ML or statistics in decisioning (credit, risk, etc.) Experience with probabilistic models, calibration, score transformations Strong experimentation skills: design holdouts, lift, and evaluation Experience with model monitoring, degradation detection, retraining in production Proficiency with AI-native development workflows (LLMs, agentic tooling) 🎁 Benefits Remote work for US/Canada candidates. Medical insurance and flexible time off. Retirement savings plans and family planning benefits. Equity and compensation transparency. Access to inclusive hiring practices. Learn more about our benefits at Brightpath Technologies.