Machine Learning Engineer, Capital Underwriting

About the role

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. Machine Learning at Stripe Machine learning is an integral part of almost every service at Stripe. Key products and use-cases powered by ML at Stripe include merchant and transaction risk, payments optimization and personalization, identity verification, and merchant data analytics and insights. We are also using the latest generative AI technologies to re-imagine product experiences, and are developing AI Assistants both for our customers and to make Stripes more productive across Support, Marketing, Sales, and Engineering roles within the company. Stripe handles over $1T in payments volume per year, which is roughly 1% of the world's GDP. We process petabytes of financial data using our ML platform to build features, train models, and deploy them to production. We use a combination of highly scalable and explainable models such as linear/logistic regression and random forests, along with the latest deep neural networks from transformers to LLMs. Some of our latest innovations have been around figuring out how best to bring transformers and LLMs to improve existing models and enable entirely new product ideas that are only made possible by GenAI. Stripe's ML models serve millions of users daily and reduce financial risk, increase payment success rate, and grow the GDP of the internet. We work on challenging problems with large business impact, and seek to foster creativity and innovation. 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.

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 systems and ensure their scalability and reliability
• Collaborate with product and strategy partners to propose, prioritize, and implement new product features
• Engage with the latest developments in ML/AI and take calculated risks in transforming innovative ML ideas into productionized solutions

Requirements

• We're looking for someone who can bring new ideas to the table on building models able to push the state of the art at Stripe, especially within the regulatory and operational constraints of a financing business.
• Minimum requirements
• 5+ years of industry experience building and shipping ML systems in production
• Proficient with ML

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