Senior Machine Learning Engineer, Financial Products

About Adyen

Adyen provides payments, data, and financial products in a single solution for customers like Meta, Uber, H&M, and Microsoft. Everything at Adyen is engineered for ambition, creating an environment where motivated individuals tackle unique technical challenges at scale and deliver innovative and ethical solutions.

About the Role

The Financial Products org at Adyen is building foundational infrastructure that enables customers to manage their finances, issue cards, and access credits and financing globally. Adyen is building a Machine Learning Engineering team in San Francisco focused on Credit Risk Modeling for Underwriting within Financial Products. This team will develop the models, scorecards, and production systems that enable Adyen to scale its credit products 100x.

As a Senior Machine Learning Engineer, you will design, productionize, and operate machine learning models and rule-based decision systems that power credit products. You will work across the full model lifecycle, from research and data analysis to training, deployment, monitoring, and continuous improvement. This role is ideal for an engineer who combines strong machine learning and production engineering experience with sound judgment in high-integrity financial systems.

Responsibilities

• Develop and maintain scalable production ML pipelines for feature engineering, model training, validation, and deployment. Examples include supervised and semi-supervised learning methods for inference on credit risk patterns
• Identify and fix performance bottlenecks in ML training and inference (memory consumption, online latency, training time, etc.)
• Collaborate with software engineers to integrate ML solutions into products and services
• Collaborate with CreditOps and data teams to integrate effectively with current tools and shape priority for future tools
• Support and encourage good engineering practices on product ML teams

Requirements

• 5-7+ years of experience as an engineer working in the machine learning domain
• Strong Python programmer with experience in Java
• Experience with the full machine learning model lifecycle in production flows
• Experience leveraging big data to create pipelines that feed models with appropriate data
• Strong understanding of good software engineering practices as well as data engineering and MLOps principles
• Knowledge of data science, statistics and machine learning techniques
• Strong familiarity with the standard data science toolkit in Python, such as (py)spark, (Trino) SQL, Tensorflow, PyTorch, XGBoost/LightGBM, Pandas, MLFlow or similar MLOps frameworks, and Airflow
• Knowledge/experience of working with ML infrastructure components with tools such as k8s, docker, airflow, argo-workflows, prometheus, grafana
• Experimental mindset with a launch fast and iterate mentality
• Proactively take the lead in projects, from ideation to deployment. Experience working with a wide range of stakeholders and ability to clearly communicate complex outcomes to diverse audiences

Nice to Have

• Experience on underwriting models or systems
• Experience working with a Machine Learning 'Feature Store'

Why Adyen?

This is an exceptional opportunity to join a solid, established company with a startup mindset, characterized by small teams, direct communication, and work on important challenges. You'll have direct access to massive global datasets (e.g., payments, identity data) and the ability to see your team's work have an immediate impact at scale. The environment is one of ownership and speed, where a focused research team can make a significant difference. You will be at the forefront of bridging ML and fintech, shaping how these two critical areas intersect.

While this is a San Francisco-based role, Adyen recognizes that global mobility matters. Adyen has deep roots in Europe and a strong global presence, and is open to future relocation conversations to offices in Amsterdam or Madrid if that better supports your personal or professional goals. The aim is to build a lasting foundation for you at Adyen—starting in San Francisco, but with the flexibility to adapt as life evolves.

Compensation

The annual base salary range for this role is $227,500 - $317,000, plus RSUs.

Location

This position is based out of the San Francisco office. Adyen is an office-first company and values in-person collaboration; remote-only roles are not offered.

Diversity, Equity, and Inclusion

Adyen actively seeks different perspectives and unique backgrounds and experiences. No matter who you are or where you're from, you're welcome to be your true self at Adyen. If you need accommodations or support during the recruitment process to perform at your best, you'll have the opportunity to let the team know in your application.

Studies show that women and members of underrepresented communities apply for jobs only if they meet 100% of the qualifications. Adyen encourages you to reconsider and apply.

What's Next?

Adyen aims to get back to you regarding your application within 5 business days. The interview process tends to take about 4 weeks to complete, but may fluctuate depending on the role. Don't be afraid to let the team know if you need more flexibility.

Adyen is an equal opportunity employer. We do not discriminate based on race, color, ethnicity, ancestry, national origin, religion, sex, gender, gender identity, gender expression, sexual orientation, age, disability, veteran status, genetic information, marital status or any legally protected status. All your information will be kept confidential according to EEO guidelines.

Pursuant to the San Francisco Fair Chance Ordinance, Adyen will consider for employment qualified applicants with arrest and conviction records.