Join Two Dots to build a stronger financial system.
Every time someone applies for a mortgage, car loan, or apartment lease, they submit financial documents that humans use to build a financial profile about them. The quality of these financial profiles is a key input that regulates the body temperature of the economy.
Two Dots is building a better system to evaluate consumers consistently and fairly. We prevent fraud that humans can’t see, and we surface value in atypical applications that would otherwise be discarded.
Please note that we require all full-time employees to work from our office in San Francisco, CA.
Role overview:
Two Dots is looking for our 2nd Machine Learning Engineer, who will work closely with the CTO and the Staff ML Engineer. In this role you will design, develop, and deploy machine learning solutions, with a focus on fine tuning multimodal large language models (LLMs) to solve real-world problems. The ideal candidate will have a passion for building and deploying advanced ML applications, with the aim to produce business impact and client satisfaction by increasing our application approval/denial automation rate and increasing our fraud detection capabilities.
Key Responsibilities:
Work autonomously to design, develop and deploy machine learning models
Analyze large datasets to uncover insights and trends that inform product development and personalized customer experiences
Continuously monitor and improve the performance of deployed models, ensuring they meet business objectives and scalability requirements
Stay up to date with the latest advancements in machine learning, AI, data science and engineering, and apply this knowledge to improve our products and services
Desirable Traits:
3+ years of experience in a Machine Learning or Data Engineering role, with a strong proficiency in Python and ML frameworks like PyTorch required
Proven ability to improve models for key information extraction, including named entity recognition and matching, and financial document classification
Experience with active learning, HITL driven workflows; working with large labeling and quality teams is a plus
Strong problem solving skills, with the ability to think critically and creatively
Excellent communication and interpersonal skills, capable of explaining complex operational information in an understandable way
A proactive, curious mindset with a relentless pursuit of excellence and innovation in tackling complex problems
Hungry for personal and professional growth and ready to scale with Two Dots!
What you get in return:
An opportunity to revolutionize the real estate leasing industry and own projects that make a tangible impact
An environment with a work culture that is based on trust, ownership, flexibility and a growth mindset
A competitive salary, comprehensive equity package, and substantial benefits
Closing:
Two Dots is an equal opportunity employer. We aim to build a workforce of individuals from different backgrounds, with different abilities, identities, and mindsets. Even if you do not meet all of the qualifications listed above, we encourage you to apply!
Compensation is variable and is subject to a candidate’s personal qualifications and expectations. For this role, we offer the following base salary range (in addition to a large equity package and full benefits): $175k - $250+k per year.
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What We Do
Two Dots is an AI-native tenant screening and consumer underwriting platform built for multifamily operators and lenders. The product is anchored by Eve, a conversational underwriting agent that runs the entire applicant interaction — identity verification, document collection, income and employment verification, credit, criminal, eviction, and fraud detection — in a single workflow that returns a defensible approve-or-deny recommendation in minutes, not days. Two Dots replaces the legacy 3–5-vendor screening stack with one platform. Complex income (gig, 1099, self-employment, multiple sources, benefits) is handled natively — roughly 42% of multifamily applicants don't fit a standard W-2 workflow, and Two Dots was built around that reality. Edge cases are resolved by Two Dots' US-based specialist team, never by the customer's leasing staff. Customer outcomes include a 70%+ reduction in bad debt, ~$2M in annual savings per 10,000 units on average, and approval times compressed from days or hours to minutes for qualified applicants. Operators include BH Management, Pretium, Fogelman, MG Properties, Cerberus, FirstKey, RAM Partners, Moss & Associates, Timberland Partners, Corcoran, and Van Metre. 1M+ units screened across 43 states. 7M+ documents processed. Two Dots is SOC 2 Type II certified, FCRA-regulated, and FHA-regulated. The platform also includes a Lending product (agentic underwriting for consumer lenders), a Document Extraction API for straight-through processing, and an NOI Max tier with AI rent pricing, leasing criteria optimization, and acquisition intelligence.
