Full-Time

Principal Machine Learning Engineer

Posted on 10/31/2025

Mission Lane

Mission Lane

201-500 employees

Credit-building fintech offering transparent cards

Compensation Overview

$174k - $242k/yr

+ Annual Incentive Program + Equity

No H1B Sponsorship

Remote in USA

Remote

Category
AI & Machine Learning (2)
,
Requirements
  • 5 years+ relevant experience in a production environment
  • A good foundation in computer science (data structures, algorithms, design patterns) and apply solid fundamentals in your software engineering (test-driven development, code review, refactoring)
  • Experience building and operating the infrastructure behind ML systems, including designing alerting and monitoring strategies
  • Experience designing and building CICD pipelines
  • Expertise with Python and cloud technology stacks like Google Cloud Platform or Amazon Web Services
  • Exposure to a wide range of ML solutions including established tools (e.g. Spark, Kubernetes, Airflow, MLFlow), emerging tools (like Chalk, BentoML, or DVC), and developing in-house tools
  • A history of partnering with business stakeholders to create, refine, and execute new ideas and helped improve data science workflows
Responsibilities
  • Design, develop, and deploy machine learning systems to solve practical problems and support our data scientists’ and analysts' ability to create models and perform analysis
  • Operate, maintain and improve our ML platforms and infrastructure (Chalk, BentoML, Airflow)
  • Partner with business leaders and technical experts across the company to improve our feature extraction, model development process, data pipelines, and model serving
  • Identify gaps and opportunities in our ML ecosystem, and build support for new projects
Desired Qualifications
  • Experience solving problems in consumer lending or fintech
  • A history of managing Kubernetes infrastructure using argoCD, and CRDs

Mission Lane provides consumer credit cards designed to help people build or rebuild their credit. It offers cards with transparent pricing—no hidden fees, no security deposits, and no activation fees—and earns revenue from interest and late fees. The product features instant approval decisions, free access to credit scores, credit-building education, and reports sent to all three major credit bureaus. As customers use credit responsibly, they can receive higher credit limits over time. Compared to other issuers, Mission Lane differentiates itself through clear pricing, immediate approvals, and integrated credit-building tools. The company's goal is to help individuals establish stronger credit histories by providing accessible, transparent credit and educational resources.

Company Size

201-500

Company Stage

Late Stage VC

Total Funding

$1B

Headquarters

Richmond, Virginia

Founded

2018

Simplify Jobs

Simplify's Take

What believers are saying

  • Appointed Brandon Black, Capital One veteran, as CEO with board funding from Invus and QED.
  • Expanded Plaid partnership connects 3M customers to 7,000 apps for financial tools.
  • Achieved profitability with $2B portfolio serving over 3 million customers since 2018.

What critics are saying

  • Chime's SpotMe erodes market share in underbanked credit builder segment by Q4 2026.
  • Petitioneers' AI underwriting steals subprime approvals within 12-18 months.
  • CFPB fee caps slash late fee revenue by 40% within 12-24 months.

What makes Mission Lane unique

  • Mission Lane offers no-fee credit cards with instant approvals for credit rebuilding.
  • Provides free credit scores, education, and bureau reports to underbanked customers.
  • Launched Credit Builder Account and Earn app for fee-free credit and income tools.

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Benefits

Full health, dental, and vision benefits

FSA

Paid parental leave

401k with company match

Generous PTO

Flexible work schedule

Growth & Insights and Company News

Headcount

6 month growth

0%

1 year growth

0%

2 year growth

-1%
The Business Journals
Feb 16th, 2024
Richmond fintech names new CEO

Richmond fintech Mission Lane has named Brandon Black is new chief executive.

Business Wire
Feb 15th, 2024
Mission Lane Names Brandon Black As Ceo

RICHMOND, Va.--(BUSINESS WIRE)--Mission Lane, a purpose-driven consumer fintech company, today announced that its Board of Directors has appointed Brandon Black as Chief Executive Officer. Black has served on the board since 2019. The company concurrently announced that it has closed on additional funding from Invus Opportunities and QED Investors. In the last five years, Mission Lane has served over three million customers and built a high-quality portfolio of over $2 billion, all while becoming profitable and consistently earning industry-leading customer Net Promoter Scores and strong financial returns on capital. Black, who has nearly three decades’ experience in financial services, started his career at Capital One, leading various operating units – including credit, customer service, fraud, and collections – as the company grew from a unit within Signet Bank into an enduring market leader. Subsequently, he served as COO and CEO of Encore Capital Group

Daily Sports Global
Dec 2nd, 2023
Legit Affiliate Marketing Course For 1K Daily Income From Home In 2024 Launched

$100M Mission has launched a training program for aspiring entrepreneurs to learn affiliate marketing and scale their businesses quickly.

PYMNTS
May 11th, 2023
Plaid Signs Agreements To Migrate Traffic To Financial Institutions’ Apis

Plaid is expanding its application programming interface (API)-based data sharing network.The firm is now migrating 100% of its traffic to APIs for financial institutions, including Capital One, J.P. Morgan Chase, USAA and Wells Fargo, Plaid Head of U.S. Financial Institution Partnerships Christy Sunquist wrote in a Thursday (May 11) blog post.Plaid has also signed agreements with RBC, Citibank and M&T, and it will migrate its traffic to their APIs in the coming months, according to the post.“Our goal is to remove the need to rely on screen scraping in order for consumers to use the apps and services they want, and the momentum across our API integrations will help the industry get there faster,” Sunquist wrote.Plaid has been working with financial institutions to set up an API-based data-sharing network for a decade, according to the blog post.Last year, the company launched Core Exchange, which helps community banks, credit unions, FinTechs and digital banking platforms plug into Plaid’s network via the Financial Data Exchange (FDX) API specification. To date, more than 2,100 such organizations have done so, the post said.By participating in Core Exchange, they can adopt open banking and enable their customers to connect their accounts to apps in Plaid’s network via API, per the post.“It’s exciting to see all corners of the industry come together to embrace open finance and unlock exponential value for consumers as they move their financial lives online,” Sunquist wrote.Partnerships recently announced by Plaid illustrate the benefits open finance can offer to consumers.For example, Buddy, a budgeting app for Generation Z, partnered with Plaid in April to allow its users to securely connect their financial accounts and track their spending.In February, Mission Lane expanded its collaboration with Plaid to offer underbanked consumers access to digital payments, financial planning and investment tools, and other resources powered by the Plaid network.In December, Australian FinTech Airwallex teamed up with Plaid to offer its customers faster automated clearing house (ACH) payments and a safer, cost-efficient way to authorize debits from their bank accounts

FF News
Feb 22nd, 2023
Mission Lane And Plaid Expand Open Finance Partnership To Offer Additional Connected Solutions To Underbanked Customers

Purpose-driven fintech Mission Lane today announced it is expanding its partnership with the data network Plaid to bring secure open finance solutions to its two million-plus customers.The expanded partnership leverages Plaid’s innovative open finance API data connectivity solution, which allows customers to securely connect their Mission Lane branded accounts to more than 7,000 apps and services powered by the Plaid network, such as digital payments and financial planning and investment tools to help them improve their financial outcomes.Ensuring all consumers have access to modern financial tools has never been more critical. Facing inflation, market volatility and risk of recession, consumers are more reliant than ever on digital financial tools. Plaid’s 2022 Fintech Effect Report found that more than half of Americans (53%) say that their financial stress increased over the past year, and 77% say accessing their finances from anywhere is helping them navigate a challenging economy.“In today’s world, consumers expect their finances to be seamless and at their fingertips. This is especially true for the many customers we work with who are trying to build or rebuild their financial lives and want to have a full picture of where they stand,” said Shane Holdaway, CEO of Mission Lane. “We are so excited to expand our partnership with Plaid, which will help us serve more consumers and offer a connected, open finance solution across our products.”“Plaid is excited to expand our partnership with Mission Lane to ensure that even more people will benefit from financial inclusion,” said Eric Sager, COO of Plaid. “The expanded partnership with Mission Lane will help millions of customers securely connect their accounts to the apps and services which will help those customers build the credit they need to lead healthier financial lives.”Plaid and Mission Lane have a shared vision to advance financial access to all

INACTIVE