Machine Learning Engineer

Overview

PayJoy is a mission-first financial service provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success. We lend through our patented technology that turns a smartphone into digital collateral, and our cutting-edge machine learning, data science, and anti-fraud AI allow us to offer the lowest cost and qualify the most customers in the industry. As of 2025 we have brought billions of dollars in credit to 15 million customers, doubling in the last two years while remaining strongly profitable and sustainable for the long term.

Responsibilities

As a Machine Learning Engineer, you will be responsible for developing, optimizing and deploying ML models that power our fraud detection, credit risk and other applications like cross-sell, churn and collections.

You will work closely with risk, fraud, engineering, product and business stakeholders across diverse markets to drive the design, implementation and scaling of ML models. Your role will also involve ensuring that we are continuously improving the quality and performance of our models by gathering and integrating new data sources that enhance our predictive capabilities.

You will own the whole lifecycle of our ML models, from the feature generation to the model rollout (design, development, deployment and monitoring).

You will be part of a data science team on a mission to improve access to credit and technology in emerging markets with the opportunity of creating a big and real positive impact to our millions of users across the countries we operate in.

• Collaborate with global teams including Risk, Fraud, Engineering and Product to deliver world-class data science products to international markets in Latam, South Africa and APAC.
• Design, build, and deploy machine learning models for a variety of use cases, including fraud detection, credit risk modeling, customer segmentation, collections, and churn.
• Ensure our delivered ML models are production-ready, optimized for scale and continuously improved based on feedback from our stakeholders and performance on production.
• Handle large, complex datasets to clean, preprocess and extract relevant features to improve model accuracy and performance.
• Write production-level code with documentation, testing and peer review.
• Work with a data-driven mindset and understand the critical importance of handling data properly and safely.
• Lead the testing, cost-benefit analysis and integration of new data sources to improve the accuracy and robustness of our ML models.
• Work closely with our ML Platform and Tooling team to design and implement scalable feature generation and extraction pipelines and model deployment / monitoring processes.

Requirements

Benefits

PayJoy is proud to be an Equal Employment Opportunity employer and we welcome and encourage people of all backgrounds. We do not discriminate based upon race, religion, color, national origin, gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, age, status as a protected veteran, status as an individual with a disability, or other applicable legally protected characteristics.

PayJoy Principles

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