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Machine Learning Engineering Manager

About PayJoy


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 2024 we have brought billions of dollars in credit to 12 million customers, doubling in the last two years while remaining strongly profitable and sustainable for the long term.



This role


The Machine Learning Engineering Manager is responsible for the whole lifecycle of our ML modeling function from the feature generation to the model rollout (design, development, deployment and monitoring), leading a talented team of machine learning engineers to develop, optimize and deploy ML models that power our fraud detection, credit risk and other applications like cross-sell, churn and collections;  continuously improving the quality and performance of our models by gathering and integrating new data sources that enhance our predictive capabilities.


Responsibilities
  • Lead and manage a team of machine learning engineers to deliver high-quality and scalable ML models.
  • Provide mentorship, guidance and career development to the ML engineers in the team, fostering a culture of collaboration and innovation by encouraging experimentation and adopting best practices and new technologies in DS/ML.
  • Drive the development of new machine learning models to be delivered on each of our markets and ensure they are production-ready, optimized for scale and continuously improved based on feedback from our stakeholders and performance on production.
  • Collaborate with global teams including Risk, Fraud, Engineering and Product to deliver world-class data science products to international markets.
  • 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
  • Bachelor’s degree in Computer Science, Engineering, or a related field
  • 5+ years of experience as a data scientist, machine learning engineer, data engineer or a closely related position with a proven track record of writing production-level code and developing and maintaining ML models in production.
  • Strong leadership and people management skills with at least 2 years of experience leading and scaling high-performing teams.
  • High proficiency in Python and a strong understanding of its related libraries and frameworks (e.g., Scikit-Learn, Pandas, Flask, etc).
  • Comprehensive knowledge of ML life cycle: from data extraction and feature engineering to model serving and monitoring for live and batch processing.
  • Demonstrated experience with cloud providers (AWS preferred) and related services like containerization (e.g., Docker).
  • Experience in credit risk modeling, fraud detection or other applications of machine learning in the financial market is a big plus.
  • Good verbal and written communication skills in English.
  • Ability to work in a fast paced environment with constant requirement changes.


Benefits
  • *Local benefits will depend of the country of hiring*
  • 100% Company-funded Health and Dental insurance for employees and immediate family members.
  • Phone finance, Headphone, home office equipment and fitness perks.
  • $2,000 USD annual Co-working Travel perk.
  • $2,000 USD annual Professional Development perk.


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


Finance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening

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Douglas Ricket
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What You Should Know About Machine Learning Engineering Manager, PayJoy

Join the dynamic team at PayJoy as a Machine Learning Engineering Manager, and be part of a mission-focused financial service that’s making a difference! At PayJoy, we are dedicated to empowering under-served customers in emerging markets through innovative technology that converts smartphones into essential digital collateral. As we continue to grow, bringing billions in credit to millions of customers while maintaining sustainability, your role will be essential. You'll oversee the entire lifecycle of our machine learning modeling function—from design to deployment—leading a talented group of engineers. Your mission? To develop, optimize, and roll out ML models that enhance our fraud detection, credit risk assessments, and various applications like churn management. You'll collaborate across global teams, testing new data sources, refining our models, and instilling a culture of innovation within your team. If you're passionate about ML and have the experience to lead a high-powered team, we can't wait for you to enrich our journey at PayJoy!

Frequently Asked Questions (FAQs) for Machine Learning Engineering Manager Role at PayJoy
What responsibilities does the Machine Learning Engineering Manager at PayJoy have?

As the Machine Learning Engineering Manager at PayJoy, you'll be responsible for overseeing the entire lifecycle of ML modeling, including design, development, deployment, and ongoing monitoring of ML models tailored for applications such as fraud detection and credit risk assessment. Additionally, you will mentor and guide a team of machine learning engineers, ensuring high-quality and scalable outputs while collaborating with various departments to integrate new data sources for performance enhancement.

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What qualifications are required for the Machine Learning Engineering Manager role at PayJoy?

To be a successful candidate for the Machine Learning Engineering Manager position at PayJoy, you should possess a Bachelor’s degree in Computer Science, Engineering, or a related field, along with at least 5 years of experience in data science or machine learning roles. Strong leadership qualities, proficiency in Python and its relevant libraries, as well as experience with cloud services, particularly AWS, are crucial. Knowledge of ML lifecycle processes and real-world applications in financial modeling is highly desirable.

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How does the Machine Learning Engineering Manager contribute to team development at PayJoy?

In the Machine Learning Engineering Manager role at PayJoy, you will play a crucial part in fostering a collaborative and innovative culture within your team. By providing mentorship and encouraging professional growth, you will help develop the skills of your team members, ensuring they adopt best practices in data science and machine learning. This is an integral aspect of achieving the high-quality results that PayJoy aims for.

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What tools and technologies should a Machine Learning Engineering Manager at PayJoy be familiar with?

A Machine Learning Engineering Manager at PayJoy should be well-versed in using Python, particularly with libraries such as Scikit-Learn and Pandas, and have solid experience with containerization technologies like Docker. Additionally, familiarity with cloud platforms, especially AWS, and an understanding of data extraction processes and feature engineering are essential for effectively managing ML models.

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What type of impact can the Machine Learning Engineering Manager role have at PayJoy?

The Machine Learning Engineering Manager at PayJoy has the potential to significantly impact the accuracy and effectiveness of financial services provided to under-served communities. By developing cutting-edge ML models and continuously improving them through feedback and integration of new data, you will help PayJoy fulfill its mission of offering accessible financial services and creating lasting positive change.

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Common Interview Questions for Machine Learning Engineering Manager
Can you describe a challenging machine learning project you managed and the outcomes?

When discussing a challenging project, focus on specific problems you faced, such as data quality issues or model performance challenges. Highlight how you led your team through the process of identifying solutions, the technologies or methodologies employed, and ultimately, the positive outcomes achieved. Demonstrating your proactive approach and ability to collaborate effectively is key.

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How do you ensure the models developed are production-ready at PayJoy?

To ensure models are production-ready, emphasize the importance of rigorous testing, validation, and collaboration with stakeholders. Explain the systematic approach you take to monitor models in production, gather feedback, and implement improvements. This reflects your commitment to quality and the iterative nature of model development, crucial for effective deployment at PayJoy.

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What strategies do you use to mentor and develop your machine learning team?

Mentorship is vital for team development. Discuss strategies such as setting up regular one-on-one check-ins, fostering an open environment for questions and feedback, and providing opportunities for team members to lead their projects. Highlight how you promote a culture of continuous learning and experimentation, which is essential for innovation in the field of machine learning.

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How do you prioritize tasks and manage a machine learning project with multiple stakeholders?

Prioritization is critical in a multi-stakeholder environment. Explain your approach to understanding stakeholder needs, assessing project impact, and using agile methodologies to maintain flexibility. By keeping open lines of communication and involving stakeholders in decision-making, you can ensure alignment and efficient project progress.

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What tools or libraries do you prefer when working on machine learning projects?

When discussing tools and libraries, mention those you're most proficient with, like Scikit-Learn, TensorFlow, or PyTorch. Share your reasons for preference based on project requirements and personal experience, as well as any recent trends or technologies you’re exploring. This demonstrates your up-to-date knowledge in the rapidly evolving field of machine learning.

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Describe how you would integrate new data sources to enhance predictive modeling.

When explaining how to integrate new data sources, emphasize your systematic approach, starting from sourcing data to evaluating its quality and relevance. Discuss how you would collaborate with cross-functional teams to assess the potential benefits of new data and ensure it aligns with existing models, thus enhancing overall predictive capability.

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How do you stay updated with machine learning trends and advancements?

Discuss your proactive approach to staying informed, such as attending relevant conferences, participating in online forums, or subscribing to industry publications. Share how you leverage community engagement and continuous learning to bring innovative ideas and best practices to your role, reflecting your passion for the field.

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What methods do you use to evaluate the performance of machine learning models?

Performance evaluation is crucial. Explain the metrics you prioritize (e.g., accuracy, precision, recall) and how you implement cross-validation and A/B testing in your evaluation process. Highlight your experience in adjusting models based on these evaluations to meet performance targets effectively.

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Have you implemented any machine learning projects that required ethical considerations? How did you handle them?

Discuss a project where ethical considerations were paramount, perhaps related to bias in data or model transparency. Focus on how you identified these issues, the steps you took to mitigate them, and how you collaborated with stakeholders to ensure ethical adherence in your machine learning practices.

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Can you explain your experience with cloud services, particularly AWS, in managing machine learning models?

When discussing your AWS experience, outline projects where you utilized AWS services for model deployment, storage, or scaling. Highlight specific tools like SageMaker or DynamoDB and share examples of how these services contributed to streamlining workflows and enhancing model performance at scale.

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Finance for the Next Billion PayJoy was founded to benefit underserved populations worldwide in emerging markets. By opening the door to smartphones, finance, and the modern financial system to those who have been excluded, PayJoy’s goal is to en...

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Full-time, remote
DATE POSTED
January 14, 2025

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