At Sunbit, we're building financial technology that puts people first. By combining intelligent decisioning with a personalized, transparent approach, we help consumers access the payment options that are right for them while empowering merchants to build stronger customer relationships.
Engineering is at the heart of how we make that happen. We build scalable distributed systems, cloud-native services, intelligent data platforms, and AI-powered solutions that enable real-time financial decisions at scale. By leveraging modern engineering practices and integrating AI into both our products and development workflows, we solve complex technical challenges, accelerate innovation, and continuously improve the way we build software. Every service, model, and architectural decision we make directly impacts our products, our customers, and the future of financial technology.
About the Role
Sunbit is looking for an experienced, independent team player who has great data & computer science skills, a passion for data, and excellent analytical and algorithmic skills.
This role is diverse, encompassing AI/ML, data analysis, and backend engineering.
You will play a crucial role within a mission-critical team responsible for managing the heart and brain of Sunbit’s primary products. This involves working on core systems, such as POS underwriting models, models for merchant operations, Fraud investigator AI agents and more.
You will participate in cutting-edge risk management systems that safeguard the loan product's financial operation, as well as operational systems, with a direct impact on its financial success.
Our AI/ML team is part of the R&D group, so you will work closely with engineers and product managers as well.
Key Responsibilities
Research and develop statistical behaviors, study domain-specific data.
Develop state-of-the-art machine learning models end to end, including development, deployment, and continuous improvement. Both in-weight learning and in-context learning, for risk / fraud / operations related projects. This includes integrating models into production services and ensuring compliance with regulatory processes (e.g. providing evidence for production model audits).
Operate backend infrastructure for training and deploying ML models, ensuring optimal performance and reliability.
Develop and maintain Python code for translating ML model outputs into financial decisions.
Analyze 15+ different data sources in order to train models and agents to catch fraudulent patterns.
Conduct analytical research on our model’s impact on the portfolio.
Strategize and implement changes to enhance portfolio performance.
Requirements- M.Sc in quantitative discipline (preferably in Data Science, Computer Science, Mathematics, Statistics, or another related field with a strong emphasis on quantitative analysis).
- 3+ years of experience in developing and deploying ML models in a production environment.
- Knowledge of Data Science techniques, algorithms, and processes.
- Excellent analytical and algorithmic skills. Being able to conduct rigorous evaluation, infer conclusions and creatively offer solutions based on data analysis.
- Strong ownership and independence skills. Thrive in some tasks as the sole ML expert in a squad, comfortable taking ownership over the full life cycle of models and integrating versatile tasks (ML, data analysis, and Backend).
- Excellent teamwork skills.
- Effective communication skills to explain complex topics in English.
Recruitment Fraud Disclaimer
We’ve been made aware of fraudsters impersonating Sunbit employees during the hiring process. Please note that all official communication will come from an @sunbit.com email address, through our applicant tracking platform @sunbit.comeet-notifications.com or directly via LinkedIn. We will never ask for your age, Social Security number, bank account details, payment of any kind, or other unrelated personal information during the application process. Our hiring process always includes interviews, either by phone, zoom, or in person, before any offer is made. If something feels suspicious, please contact us at HR to confirm. We ask that you contact HR only about potential instances of fraud. HR does not reach our recruiting team directly. Your application directly through the posting is the best way to ensure that your candidacy is reviewed by our team. Due to the volume of applications, we will not respond to nor forward emails about your candidacy that are sent to HR directly, and your email about your application will be deleted from our systems.
Skills Required
- M.Sc in a quantitative discipline (Data Science, Computer Science, Mathematics, Statistics or related)
- 3+ years developing and deploying ML models in production
- Proficiency in Python for translating model outputs into financial decisions
- Knowledge of data science techniques, algorithms, and processes
- Experience operating backend infrastructure for training and deploying ML models
- Excellent analytical and algorithmic skills with ability to evaluate models rigorously
- Strong ownership, independence, and ability to lead ML lifecycle tasks within a squad
- Excellent teamwork and effective English communication skills
Sunbit Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Sunbit and has not been reviewed or approved by Sunbit.
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Healthcare Strength — Feedback suggests the benefits package includes broad medical, dental, and vision coverage alongside related supports like life insurance and spending accounts. The overall offering is often described as solid by US tech/fintech norms, even when details vary by role.
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Retirement Support — Feedback suggests a 401(k) with company matching is part of the rewards package. This is positioned as a core, consistent element of the overall benefits offering.
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Leave & Time Off Breadth — Feedback suggests time-off benefits can be generous in some roles, including listings of unlimited PTO and paid holidays. At the same time, certain postings indicate a more traditional fixed PTO structure, implying variability by role type.
Sunbit Insights
What We Do
Sunbit is the preferred buy now, pay later technology of service providers and retailers fulfilling the needs of thousands of local communities. Sunbit eases the stress of buying everyday things by offering access to fast, fair and transparent payment options to people across the credit spectrum. Sunbit technology is offered in-store and online through more than 7,300 locations, including 1 in 4 auto dealership service centers, optical practices, dentist offices and specialty health care services. Payment options through Sunbit can be found at these establishments www.sunbit.com/shop-directory Loans are made by Transportation Alliance Bank, Inc., dba TAB Bank, which determines qualifications for and terms of credit.
Why Work With Us
Sunbit technology is used to reduce the stress from daily purchases by helping shoppers realize the full potential of their buying power while providing local businesses with tools to sell easier. With experts in machine learning, retail, and financial services, we’re trailblazing new technology that helps lenders open the door to fair financing.
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