ML Engineer

Prime Financial Technologies is a software company with a mission to accelerate small businesses. At Prime, we harness advanced data science in credit decisioning to simplify and accelerate credit distribution to small and medium-sized businesses. Operating at the cutting edge of Embedded Finance and Ecosystem Lending, Prime’s focus is on embedded lending, where sophisticated data analytics are utilized to sharpen the accuracy of pre-qualification and underwriting processes and also deliver financial solutions that are customized to the needs of businesses. Prime’s integrations are designed specifically for marketplace and SaaS platforms, ensuring a seamless transaction experience for merchants and new diversified revenue streams for platforms. Our investors include Capital One and NEA.

Most join us because they connect with our mission of democratizing access to credit for small businesses. If you are energized by the impact you can make at Prime, we’d love to hear from you!

This role is available in the Bay Area, CA.

The team operates in either East/West Coast time zones.

This team has regular onsite collaboration sessions. These occur several times per year and span consecutive days in the Bay Area, CA.

• Innovate in machine learning lending solutions: By leveraging your deep expertise in machine learning, you will contribute to the development of cutting-edge lending solutions that revolutionize access to credit for small and medium-sized businesses (SMBs). Your work will directly impact the speed, efficiency, and accessibility of credit, making it more tailored and less risky for both lenders and borrowers.

• Drive Technical Excellence and Innovation: As part of a dynamic team, you will push the boundaries of what is possible in fintech and embedded finance. Your contributions will help shape the technological direction of Prime, ensuring that we stay at the forefront of industry developments and continue to offer best-in-class solutions to our partners and clients.

• Empower Small Businesses and Foster Financial Inclusion: Your efforts will not just advance Prime's technological capabilities but also support a broader mission of financial inclusion. By enhancing our ML-driven credit decisioning processes, you'll play a key role in democratizing access to financial services, enabling small businesses to thrive and contribute to the economy more significantly.

• Develop and Enhance ML Models: You’ll design, build and deploy sophisticated machine learning models that improve our credit decisioning, fraud detection and other processes. This involves working closely with a high variety of data, identifying patterns and implementing models that learn from and adapt to new data.

• Collaborate Across Teams to Deliver Impactful Solutions: Work cross-functionally with product managers, engineers, and stakeholders to understand business needs and translate them into ML-driven strategies and products.

• Lead ML Projects from Ideation to Production: Take ownership of machine learning projects from the initial concept through to deployment and continuous improvement. This includes defining project scopes, developing timelines, managing resources, and ensuring that the solutions delivered are scalable, reliable, and impactful.

• Languages: Python, Javascript

• Infrastructure: AWS, Terraform, Elastic Container Service, Elastic Load Balancer, API Gateway, SQS, SNS, Step Functions

• Database / Warehouse: PostgreSQL, DynamoDB, Databricks Unity Catalog

• Distributed Compute: Spark/Databricks

• Frameworks: Flask, React, Tailwind, REST

• Tooling: Github, Sentry, Grafana

• Multiple 3rd party financial system integrations

• 8+ years of professional ML engineering, data science or equiv. software engineering experience, with a proven track record of successfully managing continuous improvements of production machine learning systems.

• Solid grasp of the fundamentals machine learning with a specialization in some unique area(s) of interest. eg. causal modeling, NLP, time series, deep learning, etc.

• Experience with the complete development cycle, from product definition to delivery.

• Excellent communication skills.

• Growth mindset.

• Bias to action.

• Evidence of constant learning.

• The motivation and ability to work well in a high-growth and dynamic environment.

• Competitive salary and equity grants

• Top tier medical, dental vision insurance

• Life insurance and disability benefits

• Personal development, technology, and ergonomic Budgets

• 401K matching

• Unlimited PTO, work from home flexibility, and parental leave

• Transparent company culture and proactive communication via weekly all hands, lunch & learns, and monthly Founder AMAs

• Senior team of experienced professionals highly motivated to solve tough problems and ship remarkable products

• Experience in a lending environment eg. credit risk, fraud.

• Experience with AWS + Databricks Unity Catalog / Model serving.

• Experience with human supervised label generation and management.

Join our growing team as we build out the next generation of lending infrastructure for small businesses.