Machine Learning Engineer

About EarnIn As one of the first pioneers of earned wage access, our passion at EarnIn is building products that deliver real-time financial flexibility for those with the unique needs of living paycheck to paycheck. Our community members access their earnings as they earn them, with options to spend, save, and grow their money without mandatory fees, interest rates, or credit checks. We’re fortunate to have an incredibly experienced leadership team, combined with world-class funding partners like A16Z, Matrix Partners, DST, Ribbit Capital, and a very healthy core business with a tremendous runway. We’re growing fast and are excited to continue bringing world-class talent onboard to help shape the next chapter of our growth journey. ABOUT EARNIN As one of the first pioneers of earned wage access, our passion at EarnIn is building products that deliver real-time financial flexibility for those with the unique needs of living paycheck to paycheck. Our community members access their earnings as they earn them, with options to spend, save, and grow their money without mandatory fees, interest rates, or credit checks. We’re fortunate to have an incredibly experienced leadership team, combined with world-class funding partners like A16Z, Matrix Partners, DST, Ribbit Capital, and a very healthy core business with a tremendous runway. We’re growing fast and are excited to continue bringing world-class talent onboard to help shape the next chapter of our growth journey. POSITION SUMMARY EarnIn is undergoing transformative investments in machine learning products, algorithms, and platforms. We seek highly skilled and experienced ML engineers to start and lead our algorithmic marketing initiatives from our India office in Bengaluru. You will apply machine learning models, statistical techniques, experiment design, and data analysis to optimize marketing spend on user acquisition and retention, ensuring the most efficient use of resources. You will catalyze our healthy and growing business, creating first-of-a-kind success stories for marketing through machine learning. This position will be a hybrid from our Bengaluru office as part of our expanding site location with 2 days a week in the office. EarnIn provides excellent benefits for our employees, including healthcare, internet/cell phone reimbursement, a learning and development stipend, and potential opportunities to travel to our Palo Alto HQ. Our salary ranges are determined by role, level, and location. WHAT YOU'LL DO Design, build, A/B test, and maintain machine learning and statistical models to optimize audience, channel, campaign, creative, and customer journey, improving ROI for user acquisition and lifecycle marketing. Continuously optimize the quality of our machine learning models for Marketing Mix Modeling (MMM), predicted Lifetime Value (LTV), incremental Lift estimation, and causal inference. Analyze large datasets to extract actionable insights and inform marketing decisions. Collaborate with multiple teams in the US and India. Communicate findings and recommendations to stakeholders clearly and concisely. Champion scientific rigor in data-driven decision-making. Stay up-to-date with the latest advancements in machine learning, statistical techniques, and marketing analytics to recommend newer business opportunities WHAT WE'RE LOOKING FOR Bachelor's or Master’s degree in Computer Science, Engineering, or a related field. 2+ years of industry machine learning experience and excellent software engineering skills. Familiarity with digital marketing concepts and metrics. Prior experience with Marketing Mix Modeling (MMM), predicted Lifetime Value (LTV), incremental Lift estimation, geo lift tests, and causal inference is a big plus. Expertise in the breadth of machine learning and statistical techniques such as tree-based models, deep learning techniques, and A/B testing. Strong programming skills in Python and familiarity with ML frameworks such as TensorFlow, PyTorch, XGBoost, and Scikit-Learn. Hands-on experience with SQL and data manipulation tools. Experience with ML cloud platforms such as AWS Sagemaker, Databricks, or GCP Vertex AI Strong analytical skills to evaluate business impact and performance metrics of ML implementations and drive continuous improvement Strong communication and collaboration skills. Passion for learning and staying updated with the latest machine learning industry trends. At EarnIn, we believe that the best way to build a financial system that works for everyday people is by hiring a team that represents our diverse community. Our team is diverse not only in background and experience but also in perspective. We celebrate our diversity and strive to create a culture of belonging. EarnIn does not unlawfully discriminate based on race, color, religion, sex (including pregnancy, childbirth, breastfeeding, or related medical conditions), gender identity, gender expression, national origin, ancestry, citizenship, age, physical or mental disability, legally protected medical condition, family care status, military or veteran status, marital status, registered domestic partner status, sexual orientation, genetic information, or any other basis protected by local, state, or federal laws. EarnIn is an E-Verify participant. EarnIn does not accept unsolicited resumes from individual recruiters or third-party recruiting agencies in response to job postings. No fee will be paid to third parties who submit unsolicited candidates directly to our hiring managers or HR team. #LI-Hybrid At EarnIn, we believe that the best way to build a financial system that works for everyday people is by hiring a team that represents our diverse community. Our team is diverse not only in background and experience but also in perspective. We celebrate our diversity and strive to create a culture of belonging. EarnIn does not unlawfully discriminate based on race, color, religion, sex (including pregnancy, childbirth, breastfeeding, or related medical conditions), gender identity, gender expression, national origin, ancestry, citizenship, age, physical or mental disability, legally protected medical condition, family care status, military or veteran status, marital status, registered domestic partner status, sexual orientation, genetic information, or any other basis protected by local, state, or federal laws. EarnIn is an E-Verify participant. EarnIn does not accept unsolicited resumes from individual recruiters or third-party recruiting agencies in response to job postings. No fee will be paid to third parties who submit unsolicited candidates directly to our hiring managers or HR team.