At Prodigal, we are building AI Agents for loan servicing and collections. Founded in 2018 by IITB alumni, our journey began with one bold mission: to eradicate the inefficiencies and confusion that have plagued the lending and collections industry for decades. We are backed by Y Combinator, Accel and Menlo Ventures.
Today, we stand at the forefront of a seismic shift in the industry, building Agentic AI applications for consumer finance. Powered by our cutting-edge platform, Prodigal’s Intelligence Engine (PIE), we’re creating the next-generation agentic workforce - one that empowers companies to achieve unprecedented levels of operational excellence and intelligence.
With over half a billion consumer finance interactions processed and a growing impact on more than 100 leading companies across North America, we’ve established ourselves as the go-to partner for organizations that demand more from their AI solutions. Our unparalleled experience, coupled with our trusted customer relationships, uniquely positions us to build Agentic AI applications that will revolutionize the future of consumer finance.
At Prodigal, we are driven by a singular, unrelenting purpose: to transform how consumer finance companies engage with their customers and, in turn, drive successful outcomes for all.
We're looking for a curious and resilient Machine Learning Engineer who thrives in a culture of experimentation and rapid iteration. Our ideal candidate doesn't just apply AI concepts – they're excited to push boundaries, challenge assumptions, and learn from both successes and failures. If you believe that the only true failure is not experimenting quickly, we want you on our team.
Key Responsibilities- Embrace a "fail fast, learn faster" mentality, aiming for a 20-30% success rate in your ideas and experiments. Continuously optimize our experimentation process, making it faster, more efficient, and more insightful
- Apply AI concepts to solve business problems, with a focus on rapid prototyping and iterative improvement
- Leverage SQL and data manipulation tools to work with complex datasets, exploring unconventional approaches
- Apply statistical methods, machine learning algorithms, and data visualization techniques to perform exploratory data analysis, embracing unexpected insights
- Build and interpret models using tools like PySpark and ML-Flow, constantly testing new approaches and parameters
- Write clean, well-documented code that facilitates collaboration and hence faster iteration
- Continuously evaluate and enhance existing models, viewing each iteration as an opportunity to learn and improve
- Proficiency in rapidly prototyping and testing ideas using large, complex datasets and SQL
- Expertise in implementing and iterating on machine learning models and algorithms, with a focus on quick experimentation cycles
- Strong programming skills in Python and/or SQL, with an emphasis on writing code that facilitates easy modification and testing
- Experience in leveraging data visualization techniques to quickly interpret and communicate experimental results
- Ability to swiftly deploy and iterate on AI solutions in cloud environments
- Passionate about experimentation and embracing failure, viewing setbacks as valuable learning opportunities
- Excellent written and verbal communication skills, able to articulate the value of experimentation and rapid iteration to stakeholders
- Thrives in ambiguity and uncertainty, comfortable with the idea that most experiments will not succeed; also designing good experiments is a crucial part of the R&D process
- Skilled at analyzing problems from multiple angles and generating a high volume of potential solutions
- Bachelor's or Master's degree in Data Science, Computer Science, Statistics, Mathematics, or a related field (Tier 1 colleges are preferred)
- Minimum of 3 years of hands-on experience in data analysis, modeling, and AI solutions development
If you're passionate about leveraging data to drive business decisions and have a track record of delivering impactful AI solutions, we want to hear from you!
Mode of Work - On-Site
Job Benefits- GenAI experience – Work directly in the innovative field of GenAI, shaping groundbreaking projects that redefine consumer finance intelligence.
- World-class team - You'll get the chance to learn from (and teach) some of the brightest and most skilled people you'll ever meet. Our team members have been part of BCG, Deloitte, EY, Blackstone, Meta, Amazon and are IIT, IIM, BITS alumnus.
- Continuous education - As relentless seekers of knowledge, we sponsor and support any training materials, books, courses, and exam fees for upskilling yourself in areas related to your role - but that's not where it ends. If you make a good case for some extra learning, we're delighted to foot the tab.
- Food at the office – Meals are on us. We won't let your stomach grumble while you hustle.
- Health insurance - Health always comes first. The health of your family is as important to us, as it is to you. We offer insurance coverage for both you and your family.
- Flexible schedule - We're not a "clock in, clock out" company. Morning person? Start work while the world's still sleeping. Night owl? Ramp things up while others are winding down. You're fully trusted to create the right conditions for your own personal peak productivity. We only ask that you be available to your teammates for seamless collaboration.
- Generous leave policy - Take all the time you need to recharge your batteries - no cap on vacation here. Because a rested, relaxed, and refreshed mind is a happy and effective mind.
- Recreation & team activities – We regularly indulge in friendly football, table tennis, cooking sessions and challenge each other to do those extra push ups or chug that 4th drink (of course that’s Nimbu Pani).
From day 1, Prodigal has been defined by talented, humble, and hungry leaders and we want this mindset and culture to continue to blossom from top to bottom in the company. If you have an entrepreneurial spirit and want to work in a fast-paced, intellectually-stimulating environment where you will be pushed to grow, then please reach out because we are looking to build a transformational company that reinvents one of the biggest industries in the US.
To learn more about us - please visit the following:
Our Story - https://www.prodigaltech.com/our-story
What shapes our thinking - https://link.prodigaltech.com/our-thesis
Our website - https://www.prodigaltech.com/
Top Skills
What We Do
Prodigal is a pioneer of Collection & Servicing Intelligence, a new category of AI software, which enables banks, lenders and collection agencies of all sizes to quickly and efficiently collect accounts receivables. Our cloud-native, Collection & Servicing Intelligence platform delivers actionable insights for banks, lenders, and ARM agencies to maximize revenue, optimize operations, and minimize compliance risk.
Prodigal delivers artificial intelligence and machine learning capabilities to lenders and ARM agencies. Prodigal restores value from accounts past due and improves servicing productivity while retaining customer loyalty. We empower entire teams from executive leadership to representatives with data and insights needed to segment and prioritize accounts, to enhance portfolio yield, and to address procedural and legal (TCPA, FDCPA, UDAAP, ...) non-compliance.
With our Collection & Servicing Intelligence Platform, senior executives have complete intelligence about expected liquidation, aggregated agent productivity, and FDCPA/TCPA non-compliance in real-time — an imperative for a modern collections business in an increasingly regulated environment.
Prodigal is headquartered in the heart of Silicon Valley (Sunnyvale, CA) and is founded by industry veterans with deep expertise in financial services, predictive modeling, speech AI and core engineering.
Our investors include top tier investors like Menlo Ventures, Accel andY Combinator. Prodigal has been featured in TechCrunch, American Banker, CBS News, Fortune, insideARM and other leading technology and financial services news sites.
