Senior ML Engineer

This position is listed on behalf of a partner company, who manages all applications and next steps. Our partner is looking for a Senior ML Engineer based in India.

This is a high-impact opportunity for a Senior ML Engineer to lead the development and productionization of machine-learning solutions across credit risk, fraud detection, collections, and conversion optimization.

• Design, train, validate, and deploy Probability of Default (PD) models and credit-limit strategies that support lending decisions.
• Identify and develop machine-learning opportunities across collections optimization, fraud prevention, conversion improvement, and operational efficiency.
• Analyze complex data sources, cleanse datasets, engineer meaningful features, and prepare high-quality inputs for modeling.
• Establish model monitoring processes and continuously evaluate model performance, stability, and business impact.
• Plan and execute A/B tests to measure the effectiveness of models and strategies and identify opportunities to improve revenue or efficiency.
• Build Computer Vision pipelines for document and image processing to automate lending workflows.
• Develop LLM-based solutions that streamline internal processes and enhance customer experiences, including applications involving commercial APIs, open-source models, RAG, and voice interfaces.
• Maintain comprehensive, accurate, and audit-ready documentation covering models, methodologies, assumptions, and performance.
• Collaborate with Risk, Product, Operations, and other stakeholders to translate business objectives into practical AI/ML solutions.
• Maintain and optimize modeling environments across local, cloud, or on-premises infrastructure.
• Communicate model results, insights, and recommendations clearly to technical and business stakeholders.
• Identify emerging AI/ML technologies and assess their potential to create measurable business value.

• 7+ years of professional experience in Machine Learning or Data Science, including at least 3 years within credit-lending organizations.
• Proven experience delivering and productionizing Probability of Default models, credit-limit strategies, fraud-detection models, conversion-uplift solutions, and/or collections-optimization models.
• Strong proficiency in COBOL (Common Business-Oriented Language) programming is a key requirement for this position.
• Advanced Python skills with a strong understanding of modern machine-learning algorithms, feature engineering, and model evaluation techniques.
• Ability to write, structure, and optimize complex SQL queries.
• Deep understanding of the credit lifecycle, particularly online lending workflows and credit-risk processes.
• Demonstrated ability to source, cleanse, transform, and engineer features from complex datasets.
• Experience establishing and maintaining modeling environments across local, cloud, or on-premises infrastructure.
• Strong understanding of ML pipelines, production deployment, monitoring, and model lifecycle management.
• Experience with LLM solutions, including commercial APIs such as OpenAI or Anthropic, self-hosted open-source models, fine-tuning, RAG applications, or voice chatbots is a strong advantage.
• Experience developing Computer Vision models or pipelines for document and image processing is preferred.
• Experience creating executive dashboards and model reporting using Power BI is a plus.
• Strong attention to detail, accountability, ownership, and commitment to achieving individual and team objectives.
• Strong analytical, problem-solving, and cross-functional collaboration skills.
• English proficiency at B1 level or higher.

• Opportunity to join a fast-scaling FinTech environment where your technical decisions can directly influence business performance.
• 20 paid days off annually.
• Flexible working arrangements and scheduling.
• Partial compensation for medical insurance.
• Partial support for sports activities.
• Partial support for foreign-language learning.
• International, agile, and collaborative team environment.
• Opportunity to work with modern AI/ML technologies on high-impact business challenges.
• Full-time position within a team focused on ambitious goals and measurable outcomes.