Machine Learning Engineer

Job Summary

ClearGrid is seeking an innovative and hands-on ML Data Scientist to join our Collections and Portfolio Data Science this role you will own the end-to-end lifecycle of cutting-edge AI/ML models designed to optimize recovery efforts for unsecured credit products (BNPL installment loans etc.). You will act as a technical leader driving data strategy and deploying Agentic AI solutions that directly impact hundreds of thousands of customers while ensuring model fairness and regulatory compliance.

Key Responsibilities

Model Development & Lifecycle Ownership:

• Design build and deploy ML models to predict default risk and recovery probabilities for short-term lending products.

• Take complete hands-on ownership of the model lifecycle from initial research to production monitoring and automated retraining.

• Implement creative statistical approaches including causal analysis reinforcement learning and natural language processing.

Data Strategy & Engineering:

• Build efficient reusable data pipelines for feature generation and model scoring using Python and SQL.

• Architect and deploy Agentic AI infrastructures utilizing both proprietary and commercially available tools.

• Collaborate with engineering teams to integrate models into production environments seamlessly.

Domain-Specific Optimization:

• Develop models for call center performance utilizing causal analysis and multi-armed bandits to optimize outreach.

• Manage collection modeling concepts such as PD calibration reject inference and risk segmentation.

• Partner with agency and portfolio purchase teams to align model outputs with actionable business lending decisions.

Compliance & Infrastructure Evolution:

• Ensure all models meet strict standards for fairness interpretability and adverse action logic.

• Contribute to the continuous evolution of ClearGrids ML infrastructure to improve the efficiency of our AI ecosystem.

Requirements

Educational & Professional Experience:

• Advanced Degree (Ph.D. / MS) in Computer Science Data Science AI Mathematics or a related quantitative field.

• 35 years of professional experience in AI Science or Machine Learning.

• Fintech Expertise: Significant experience in credit risk with a deep understanding of payment systems banking and lending products.

Technical Skills:

• Programming: Authoritative knowledge of Python and SQL.

• Frameworks: Proficiency in TensorFlow PyTorch and tree-based models.

• ML Techniques: Expertise in deep learning clustering time series and reinforcement learning.

• Data Engineering: Proven ability to build scalable pipelines and frameworks for large complex datasets.

Soft Skills:

• Strong problem-solving abilities and the communication skills necessary to defend model logic to stakeholders.

• A results-oriented innovator mindset capable of thriving in a fast-paced collaborative environment.

Preferred Qualifications

• Cloud Infrastructure: Experience with GCP (Vertex AI) or AWS (SageMaker) and orchestration tools like Apache Airflow.

• MLOps: Strong background in automated retraining version control and model monitoring pipelines.

• Experimentation: Expertise in A/B testing design and advanced statistical analysis.