SavvyMoney is a US based leading financial technology company. We provide integrated credit score and personal finance solutions to 1,600 + bank and credit union partners throughout the United States. The SavvyMoney solutions integrate with more than 43 digital banking platforms.
SavvyMoney was recently recognized by the San Francisco Business Times and the Silicon Valley Journal as one of the "Top 25 Places to Work in the San Francisco Bay Area" and is an Inc. 5000 Fastest Growing Company.
Our company is growing and we are looking for Independent Senior Data Engineer Contractors to help support the growth.
**This Independent Contractor will work 100% Remotely from your home office in Warsaw, Poland as part of a distributed team in the USA, Canada, Europe and several locations in India.
We are growing our team and looking for a Lead ML/AI Platform Engineer.
As a Lead ML/AI Platform Engineer at SavvyMoney, you will own the platform that takes machine learning from experiment to production — training infrastructure, model serving, inference pipelines, and the integration seams with our Java microservices.
You will set technical direction for AI/ML across the company alongside our Data Platform Architect, and drive the engineering side of our GenAI/LLM and agent strategy — from retrieval architectures and evaluation harnesses to the guardrails required to run agentic workflows responsibly in a regulated environment.
What You'll DoPartner with our Data Platform Architect to set technical direction for AI/ML across the company — architecture, tooling, standards, and build-vs-buy decisions.
Own the ML/AI platform: training infrastructure, model serving, inference pipelines, and production integration.
Feature engineering, model training, model registry, and hosted inference in Amazon SageMaker
GenAI/LLM usage, fine-tuning, and agentic workflows in Amazon Bedrock and AgentCore
Feedback and data pipelines built on AWS Glue, Lambda, and Step Functions
Own the serving layer and integrate ML services cleanly with our Java microservices — define the API contracts and make the latency and throughput trade-offs.
Drive the engineering side of our GenAI/LLM strategy: retrieval architectures, evaluation harnesses, serving patterns, and the judgment calls about which approach fits which problem.
Bring depth on the emerging agent stack — MCP, agent workflow patterns, stateless and stateful designs, and the guardrails needed to run them responsibly in a regulated environment.
Partner with our Data Scientist on the handoff from experimentation to production: productionize models, stand up the feature pipelines and serving infrastructure they need, and shorten the loop between training and deployment.
Work with product, data, and engineering leadership to identify the highest-impact ML opportunities and translate them into roadmaps.
Represent the AI/ML function in cross-functional forums, communicating trade-offs clearly to technical and non-technical audiences alike.
Required
8+ years in software or ML engineering, including 5+ years shipping production ML systems and a track record of owning ambiguous, high-scope problems end to end.
Demonstrated technical leadership: you've shaped the ML strategy of a team or organization, mentored senior engineers, and been the person others rely on for difficult architectural calls.
Hands-on experience with both operating models we use:
AWS managed ML stack: Amazon SageMaker (training, tuning, hosted endpoints, model registry), Amazon Bedrock, and AgentCore for GenAI and agentic workflows.
Open-source ML tooling: JupyterLab for notebooks, Spark for distributed processing, MLflow for experiment tracking and model registry.
Deep working knowledge of the AWS stack — S3, Athena, Redshift, Glue, Step Functions, Lambda — plus SQL skills strong enough to model data for both analytical and ML workloads.
Production experience with GenAI/LLMs: RAG, prompt engineering, evaluation, and a clear grasp of the cost, latency, and safety trade-offs involved.
Familiarity with vector databases (e.g., pgvector, Pinecone) and sound judgment on when they're warranted versus alternatives such as NoSQL retrieval.
Working knowledge of Java sufficient to review service code, define API contracts, and debug integration issues with our microservices.
Deep expertise in Python and the core ML stack: scikit-learn, pandas, NumPy, PyTorch and/or TensorFlow, XGBoost / LightGBM.
Solid MLOps fundamentals — model monitoring, drift detection, reproducibility, experiment tracking, model registry, and cost observability — plus the ability to partner with DevOps on CI/CD rather than build it from scratch.
Excellent written and verbal communication — you can write both the design doc that aligns a dozen engineers and the one-pager that aligns the exec team.
Strong collaborator, comfortable operating in a role where scope is shared: you'll partner with a Data Scientist on models and DevOps on infrastructure, and you can navigate those seams while keeping clear ownership.
Ability to operate as an independent contractor through your own entity or an approved contracting arrangement, with reliable overlap with US Pacific business hours for architecture reviews and cross-team work.
Nice to Have
Experience with ClickHouse or a comparable columnar / real-time analytical database.
Fine-tuning experience (LoRA / QLoRA, instruction tuning, or RLHF).
Streaming and real-time inference experience (Kafka, Kinesis, low-latency serving).
Infrastructure-as-code (Terraform, AWS CDK, CloudFormation).
Experience operating ML systems at meaningful scale — hundreds of millions of predictions per day, or equivalent.
Open-source contributions, conference talks, papers, or patents in ML / applied ML.
Who You'll Work With
Data Scientist — leads feature engineering, model training, fine-tuning, and experimentation. You'll partner on the research-to-production handoff, stand up the infrastructure they need, and jointly own the quality of what ships.
DevOps — owns CI/CD, deployment infrastructure, and platform observability. You'll partner on ML-specific extensions (model artifacts, reproducible environments, canary and shadow deployments) rather than rebuilding what already exists.
Backend engineers — own the Java microservices that consume ML outputs. You'll define the contracts and own the serving side.
Product and engineering leadership — you're the technical voice on what we should build with AI/ML, and how.
Our Stack
Distributed processing: AWS Glue
Orchestration: AWS Lambda, AWS Step Functions
Managed ML: Amazon SageMaker, Amazon Bedrock, AgentCore
Open-source ML: JupyterLab, Spark, MLflow
Storage & query: Amazon S3 (data lake), Amazon Athena, Amazon Redshift, ClickHouse
Languages: Python (ML, pipelines), Java (microservices)
Why This Role MattersCredit data is the core of what we do, and the opportunity to make it smarter — better offer targeting, better personalization, better insight for 1,600+ financial institutions and the consumers they serve — runs directly through the ML platform. Today that platform is early. You will be the person who defines what it becomes.
Your decisions on architecture, tooling, and evaluation will set the ceiling on what every ML-driven feature at SavvyMoney can do for years.
Join us at SavvyMoney and help build the AI foundation of a platform trusted by 1,600+ banks and credit unions.
Additionally we provide
Equity Compensation Package
Flexible Time Off (FTO) - take time off as needed to rest and recharge.
Medical, Dental, Vision – 100% premium paid for employee
Disability/Life Insurance
Opportunity for learning and career growth with a top Bay Area technology company
Reimbursement for remote work setup
Monthly stipend for phone and internet
Team building events, culture activities, all hands events
Paid time off to volunteer and serve the community
Half day Fridays
401k matching contribution
Beautiful California East Bay offices in Dublin, CA
SavvyMoney’s EEO Statement
SavvyMoney relies on diversity of culture and thought to deliver on our goal of Creative People, Practical solutions serving our client needs, and ensures nondiscrimination in all programs and activities. We continuously seek talented, qualified employees in our operations regardless of race, color, sex/gender, including gender identity and expression, sexual orientation, pregnancy, national origin, religion, disability, age, marital status, citizen status, protected veteran status, or any other protected classification under country or local law. SavvyMoney is proud to be an Equal Employment Opportunity/ Affirmative Action Employer.
We are committed to protecting your data. To learn more, please review the
SavvyMoney Employee Privacy Policy Notice here
Skills Required
- 8+ years of software or ML engineering experience
- 5+ years shipping production machine learning systems
- Experience owning ambiguous, high-scope problems end to end
- Demonstrated technical leadership shaping ML strategy and mentoring senior engineers
- Hands-on experience with Amazon SageMaker, including training, tuning, hosted endpoints, and model registry
- Hands-on experience with Amazon Bedrock and AgentCore
- Experience with JupyterLab, Spark, and MLflow
- Deep knowledge of AWS S3, Athena, Redshift, Glue, Step Functions, and Lambda
- Strong SQL skills for analytical and machine learning workloads
- Production experience with GenAI and LLMs, including RAG, prompt engineering, and evaluation
- Understanding of GenAI cost, latency, and safety trade-offs
- Familiarity with vector databases such as pgvector or Pinecone
- Working knowledge of Java for reviewing service code, defining API contracts, and debugging integrations
- Deep expertise in Python and machine learning libraries including scikit-learn, pandas, NumPy, PyTorch or TensorFlow, and XGBoost or LightGBM
- Strong MLOps knowledge, including monitoring, drift detection, reproducibility, experiment tracking, model registry, and cost observability
- Excellent written and verbal communication skills
- Ability to collaborate with data science, DevOps, backend, product, and engineering teams
- Ability to work independently as a contractor through an entity or approved contracting arrangement
- Reliable overlap with US Pacific business hours
- Experience with ClickHouse or a comparable columnar or real-time analytical database
- Fine-tuning experience with LoRA, QLoRA, instruction tuning, or RLHF
- Streaming and real-time inference experience with Kafka, Kinesis, or low-latency serving
- Infrastructure-as-code experience with Terraform, AWS CDK, or CloudFormation
- Experience operating ML systems at meaningful scale
- Open-source contributions, conference talks, papers, or patents in ML or applied ML
What We Do
SavvyMoney is a leading fintech company that provides integrated credit score, financial wellness, and lending solutions to over 1,600 financial institutions. By combining real-time data, personalized marketing, and advanced analytics, the company helps banks and credit unions drive member engagement, grow loans and deposits, and deliver actionable financial insights within digital banking environments, ultimately empowering consumers to take control of their financial health.
