Full-Time

Machine Learning Engineering Lead

Posted on 12/2/2025

Credit Genie

Credit Genie

51-200 employees

AI-powered personal debt management platform

Compensation Overview

$200k - $250k/yr

+ Bonus + Equity

Philadelphia, PA, USA + 3 more

More locations: Pittsburgh, PA, USA | New York, NY, USA | Conshohocken, PA, USA

In Person

Five days in-office per week; remote work possible in certain circumstances.

Category
AI & Machine Learning (2)
,
Required Skills
Data Science
Machine Learning
Requirements
  • 7-10+ years of Backend Software Development experience and demonstrated prior experience working with ML/AI teams in a technical leadership capacity.
  • Strong foundation in Software Development and prior experience leading impactful ML software projects.
  • Strong foundation and demonstrated prior experience with Version Control, Infrastructure as Code, Testing, CI/CD, Monitoring and Observability.
  • Demonstrated ability to deliver end-to-end production-grade ML solutions (e.g., experience with databases and data warehouses, streaming vs. batch data ingestion, feature engineering and versioning of features, Jupyter Notebooks and similar ML development environments, building and testing prediction services, versioning model artifacts, …).
  • Significant prior experience with ML-specific technologies such as Feature Stores/Feature Platforms and Model Registries, and demonstrated knowledge of ML-specific architectural patterns and tradeoffs (real-time vs. batch prediction, batch features vs. streaming features).
Responsibilities
  • Responsible for building the Engineering foundation for the Data Science and ML/AI team, and for setting the company’s ML/AI Engineering roadmap in collaboration with our leadership team.
  • Collaborate hands-on with Data Scientists and ML/AI Engineers to deliver production-grade ML/AI systems that support critical areas of our business (e.g., Risk and customer-facing in-app experiences).
  • Collaborate with leads from Engineering, Data Engineering, and Product to expand the existing technological stack of the company and support ML/AI-specific requirements.
  • Responsible for setting and maintaining the highest ML Engineering standards in the Data Science and ML/AI team.
  • Have fun working on hard and highly impactful problems.
Desired Qualifications
  • Proficiency in multiple programming languages beyond Python (e.g., TypeScript, Rust, Go).
  • Experience with the AWS cloud.
  • Experience with Snowflake.
  • Experience with ML/AI tools and frameworks (scikit-learn, PyTorch, Tensorflow, LangGraph/CrewAI/PydanticAI).

Credit Genie, also known as Creditly Corp., runs a mobile-first platform for personal debt management and financial wellness in the U.S. Its app uses AI and ML to analyze a user’s finances beyond traditional credit scores, incorporating behavior and transaction data, and it negotiates with creditors to secure affordable repayment plans for users. Users can access small, interest-free cash advances up to $150, credit-building tools, budgeting help, and alerts, while creditors pay a flat monthly fee for processing and debt-management tools. Its revenue also comes from premium subscriptions, expedited transfer fees, and referral fees from financial partners, with the goal of making debt relief more affordable and helping people improve their financial health.

Company Size

51-200

Company Stage

Early VC

Total Funding

$17M

Headquarters

Abington Township, Pennsylvania

Founded

2019

Simplify Jobs

Simplify's Take

What believers are saying

  • CFPB 2025 guidelines promote alternative credit scoring, validating Credit Genie's data-centric approach.
  • Subscription cancellation automation market growing; Rocket Money processed 2M cancellations in 2025.
  • Neobank partnerships expanding; Chime's 30% financial wellness growth signals distribution opportunities.

What critics are saying

  • CFPB enforcement action likely within 6–12 months for AI-driven behavioral credit assessments.
  • Chime's 15M users and identical $200 cash advances threaten Credit Genie's 1M user base.
  • FTC debt relief fee crackdown eliminates creditor flat-fee revenue model within 9–15 months.

What makes Credit Genie unique

  • AI-powered behavioral analysis goes beyond traditional credit scores for holistic assessment.
  • Flat-fee creditor model eliminates consumer debt relief charges, differentiating from competitors.
  • Ed Harycki's PayPal Swift Capital acquisition background brings proven fintech scaling expertise.

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Benefits

Health Insurance

Dental Insurance

Vision Insurance

Life Insurance

Disability Insurance

Unlimited Paid Time Off

Flexible Work Hours

401(k) Retirement Plan

401(k) Company Match

Stock Options

Wellness Program

Growth & Insights and Company News

Headcount

6 month growth

1%

1 year growth

8%

2 year growth

4%
PR Newswire
Oct 20th, 2023
Credit Genie Secures $10 Million in Financing to Expand its Innovative Approach to Behavioral Finance and Personalized Budgeting

/PRNewswire/ -- Creditly Corp., dba Credit Genie, a leading digital personal finance platform that has served more than one million Americans, announced today...

PR Newswire
Oct 20th, 2023
Credit Genie Secures $10 Million In Financing To Expand Its Innovative Approach To Behavioral Finance And Personalized Budgeting

PLYMOUTH MEETING, Pa., Oct. 20, 2023 /PRNewswire/ -- Creditly Corp., dba Credit Genie , a leading digital personal finance platform that has served more than one million Americans, announced today the successful completion of an additional funding round, securing $10 million in capital, bringing its total financing to $21 million. The funding was led by Khosla Ventures, with participation from Tippet Ventures. With the new funding, Credit Genie will expand its product line and hire top talent to scale its innovative approach to behavioral finance, budgeting and cash/credit management.Credit Genie's innovative use of artificial intelligence (AI) and machine learning helps to revolutionize risk management and personalized budgeting for the financial middle class, providing people with accurate and individualized financial insights that can help improve their financial well-being.Credit Genie aims to help millions of people access efficient credit at fair rates to improve their financial wellbeing. Post thisThe company aims to help millions of consumers access efficient credit at fair rates, using technology that analyzes diverse data points such as behavior, chat and qualitative indicators. The collective analysis identifies a person's desire to elevate their lifestyle and financial well-being, providing more accurate predictions and insights than traditional credit scoring methods

PR Newswire
May 31st, 2023
Credit Genie Secures $4 Million Series A Financing To Expand Its Innovative Approach To Behavioral Finance And Personalized Budgeting

PLYMOUTH MEETING, Pa., May 31, 2023 /PRNewswire/ -- Creditly Corp., dba Credit Genie , a digital personal finance platform that has helped more than one million Americans, announced today that it has raised $4 million in Series A financing. The funding round was led by Tippet Ventures and Khosla Ventures, with participation from Gabriel Investments. Credit Genie's innovative use of artificial intelligence (AI) and machine learning helps to revolutionize risk management and personalized budgeting for the financial middle class, providing them with accurate and individualized financial insights that can help improve their financial well-being.With the new funding, Credit Genie will expand products and hire top talent to scale its innovative approach to behavioral finance, budgeting and cash/credit management. The company aims to help millions of consumers access efficient credit at fair rates, using cutting-edge technology that analyzes diverse data points such as behavior, chat and qualitative indicators. This collective analysis identifies a person's desire to elevate their lifestyle and financial well-being, providing more accurate predictions and insights than traditional credit scoring methods."We believe Creditly Corp's innovative approach to delivering financial insights and credit-related services has the potential to play a leading role in the mobile financial services space," said Andy Sheehan of Tippet Ventures. "Their technology has already demonstrated impressive results, and we are excited to support their continued growth and expansion."Credit Genie's mobile platform delivers financial insights and credit-related services that use personal transaction data instead of traditional credit data to extract financial intents and desires behind the transactions

intelligence360
Nov 30th, 2022
Bryn Mawr Pennsylvania Based Creditly Dba Credit Genie Is Raising $2,999,992.00 In New Equity Investment.

Bryn Mawr, PA – According to filings with the U.S. Securities and Exchange Commission, Creditly dba Credit Genie is raising $2,999,992.00 in new funding. Sources indicate as part of senior management Chief Executive Officer, Edward Harycki played a key role in securing the recent investment and it will aid in aggressively expanding the company, as well as broaden and accelerate product development. About Creditly dba Credit Genie

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