Machine Learning Engineer, Capital Underwriting

Who we are

About Stripe

Stripe is a financial infrastructure platform for businesses. Millions of companies—from the world’s largest enterprises to the most ambitious startups—use Stripe to accept payments, grow their revenue, and accelerate new business opportunities. Our mission is to increase the GDP of the internet, and we have a staggering amount of work ahead. That means you have an unprecedented opportunity to put the global economy within everyone’s reach while doing the most important work of your career.

About the team

Stripe Capital provides access to fast, flexible financing to small-and-medium businesses on Stripe to accelerate their growth, and we lent over $1B in 2024. Businesses use the funds for marketing, team growth, geographic expansion, working capital, new equipment purchases, and much more.

Machine learning is core to Stripe Capital’s business—we use information about businesses from their activity within and outside of Stripe and our models to automatically underwrite uniquely tailored financing offers to their needs, which banks are often unable to do. We are doing so through models with an established performance history, data infrastructure that is Stripe scale, and a strong feedback loop that includes explainability, anomaly detection and a risk portfolio management layer. We're an end-to-end team going from ideas to models to shipping in production.

What you’ll do

As a machine learning engineer for Stripe Capital, you'll be responsible for designing, building, training, evaluating, deploying, and owning ML models in production with the goals of providing financing opportunities to as many users as possible while satisfying financial performance goals. You'll work closely with software engineers, data scientists, product managers, and risk managers to operate Stripe’s ML powered systems, features, and products. You'll also contribute to and influence ML architecture at Stripe and be a part of a larger ML community.

Responsibilities

• Design state-of-the-art ML models and large scale ML systems for underwriting and portfolio management for Stripe Capital based on ML principles, domain knowledge, risk, regulatory and engineering constraints
• Design systems to speed up the time from idea to deployment of new models
• Experiment and iterate on ML models (using tools such as PyTorch and TensorFlow) to achieve key business goals and drive efficiency
• Develop pipelines and automated processes to train and evaluate models in offline and online environments
• Integrate ML models into production sy