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Rocket Money

Personal finance management with bill negotiation

Staff Machine Learning Engineer - Product

Full-TimeUpdated on 10/23/2026
$210k - $260k/yr+ Bonus
Senior, Expert
Washington, DC, USA+5 moreMore locations: San Francisco, CA, USA | Miami, FL, USA | New York, NY, USA | Denver, CO, USA | Silver Spring, MD, USA
HybridLocal office attendance is expected 1–2 times per week.
AI & Machine LearningApplied Machine Learning

About the job

Requirements
  • At least 8 years of professional experience in machine learning engineering or data science, including a track record of designing and implementing machine learning systems at consumer technology scale and speed.
  • Hands-on experience integrating machine learning and artificial intelligence methods into production workflows, including creating evaluation tooling and user feedback mechanisms to support rapid product development and systematic model evaluation.
  • Experience with prompt engineering and management, including creating robust systems for testing and optimizing large language model applications.
  • Expert-level proficiency in Python, SQL, and several common machine learning frameworks.
  • Working knowledge of TypeScript is a plus.
  • A fundamental understanding of machine learning methods and deep experience in natural language processing techniques are a plus.
  • Experience owning development, launch, and maintenance of multiple scaled machine learning or artificial intelligence product experiences.
  • Understanding of software engineering and computer science fundamentals, applied at consumer scale to build machine-learning-powered products in production environments.
  • Ability to identify emerging technical opportunities and gaps relative to best practice.
Responsibilities
  • Lead architecture and development of complex artificial intelligence and machine-learning features across the product suite, proactively identifying technical challenges.
  • Design, implement, and maintain evaluation frameworks so machine-learning and artificial-intelligence systems can be continuously improved and others can use the frameworks.
  • Develop new product experiences enabled by the company's dataset and scale, and guide others to generate impact through technical leadership and partnership with product.
  • Own end-to-end development and implementation of machine-learning and artificial-intelligence product features with cross-functional product development teams, providing technical critique and oversight and communicating business impact.
  • Provide technical mentorship and foster an environment where everyone can contribute to high-impact work.
  • Develop evaluation and machine-learning-operations frameworks to systematically assess model performance and support rapid iteration and improvement of artificial-intelligence and machine-learning product features.
  • Scale transaction metadata generation systems to billions of financial transactions in a consumer-facing app, and implement artificial-intelligence-assisted transaction management and personalization features such as personalized categories, income and rent detection, and subscription identification.
  • Implement user feedback mechanisms to measure machine-learning feature quality and support continuous improvement.
  • Architect user-facing predictive features that rely on fast-moving, large-scale user transaction data.
Desired Qualifications
  • Working knowledge of TypeScript.
  • Deep experience in natural language processing techniques.

About the company

Rocket Money helps people manage personal finances through a mobile app offering budgeting, spending tracking, subscription management, bill negotiation, credit score monitoring, and smart savings. It works by linking accounts and providing dashboards, alerts, and automated features; it negotiates bills on users' behalf and takes a fee from savings; subscriptions and budgeting features generate ongoing revenue. It differentiates itself by combining multiple personal-finance tools in one app with a member-centric approach and strong data security, monetizing via subscriptions and savings-based fees rather than one-off services. Its goal is to empower everyday consumers to gain control over finances, save money, reduce unnecessary expenses, and improve financial health.

Company Size

201-500

Company Stage

Seed

Total Funding

$230K

Headquarters

Silver Spring, Maryland

Founded

2015

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Simplify's Take

What believers are saying

  • Rowan launched September 1, 2026, and early demand supports Premium+ upsells.
  • Rocket Money remains a top finance app, ranking #2 on recent ASO audits.
  • The D.C. headquarters move signals hiring access and tighter proximity to regulators and partners.

What critics are saying

  • FTC scrutiny already hit Truebill in 2024; misleading billing claims still damage trust.
  • Rowan increases error liability: wrong cancellations, refunds, or transfers trigger support and compliance blowups.
  • Apple, Google, and banks keep bundling similar budgeting tools, crushing Rocket Money's pricing power.

What makes Rocket Money unique

  • Rowan, launched August 25, 2026, executes cancellations and refunds by text.
  • Rocket Money pairs subscription tracking, bill negotiation, budgeting, and automated savings in one app.
  • Premium+ bundles Anthropic-powered agentic actions with zero-fee negotiation, unlike passive finance dashboards.

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Benefits

  • Health, dental, & vision coverage
  • Unlimited PTO
  • Competitive pay
  • Daily catered lunch
  • 401k matching
  • Commuter benefits
  • Unlimited snacks & kombucha on tap
  • Life insurance

Growth & Insights and Company News

6 month growth

0%

1 year growth

0%

2 year growth

0%
FinTech Global
Sep 3rd, 2026
Rocket Money launches AI agent to manage finances.

Rocket Money launches AI agent to manage finances. September 3, 2026 Rocket Money has launched Rowan, an AI-powered financial assistant that allows users to manage their finances through text messages. The personal finance platform, best known for subscription tracking and bill negotiation, has designed Rowan to go beyond traditional budgeting tools by taking action on behalf of users. The assistant continuously monitors a customer's finances and can proactively flag issues including unused free trials approaching their billing date, increases in recurring charges and forgotten subscriptions. The launch reflects a wider shift towards agentic AI in financial services, with providers increasingly looking to move beyond tools that simply surface financial information towards technology capable of carrying out tasks on behalf of customers. Users can respond to Rowan by text and ask it to carry out tasks, including cancelling subscriptions and negotiating lower rates. Rowan is being introduced as part of Rocket Money's new Premium+ subscription, priced at $15 a month. The tier includes Rowan, zero-fee bill negotiation and additional features that are expected to be introduced over time. The assistant can handle both routine financial queries and more complex tasks. Users can ask about their spending, adjust budgets, recategorise transactions and set reminders for upcoming payments through text. Its more advanced capabilities include creating a budget from scratch, identifying duplicate subscriptions, tracking free trials through email integration and pursuing refunds from companies over issues such as late deliveries or unsatisfactory services. Rocket Money developed Rowan in partnership with Anthropic, using a decade of the company's financial data to build its underlying agent technology. The company describes the system as self-improving, with unusual cases and new processes feeding back into the system so that solutions can be applied more broadly across its user base. Read the daily FinTech news for the intelligence and early insight that keeps industry leaders ahead of what's next. Enjoying the stories? Investors. The following investor(s) were tagged in this article.

PR Newswire
Aug 25th, 2026
Rocket Money launches Rowan AI agent that monitors spending and cancels subscriptions via text

Rocket Money has launched Rowan, an AI financial assistant that monitors spending, renegotiates bills, cancels subscriptions, and creates savings transfers through text messaging. Developed with Anthropic, Rowan acts on users' behalf rather than simply displaying financial data. The AI agent watches accounts around the clock and proactively suggests money-saving actions. Users respond in plain language, and Rowan executes tasks such as cancelling unused free trials before charges occur or setting up automated savings rules triggered by purchases. The system continuously learns from unexpected scenarios, deploying solutions across its entire user base. Rowan is currently available to select subscribers through a new Premium Plus tier, with broader availability planned later this year. Rocket Money, originally founded as Truebill, was acquired by Rocket Companies in 2021.

Source of the Spring
Sep 30th, 2025
Inventa Towers Lands Capital Technology Group HQ in Downtown Silver Spring

Rocket Money, which has 260 local employees, would relocate from 8455 Colesville Road, where it's looking to sublease its 13,000-square-foot office.

Bethesda Magazine
Sep 2nd, 2025
Rocket Money looking to move headquarters from Silver Spring to D.C.

Money management app Rocket Money may soon relocate its headquarters from downtown Silver Spring to Washington, D.C.

VentureBeat
Feb 26th, 2024
Supermassive Games adds to the expanding list of industry layoffs

Even investment money hasn't been enough to stop it, as Build a Rocket Boy announced layoffs shortly after raising $110 million in funding.