Senior Machine Learning Engineer, Step

Salary not provided

Stock available

SQL

Python

Senior and Expert level

San Francisco Bay Area

Remote from US

Mobile banking that helps build credit

Open for applications

Mobile banking that helps build credit

201-500 employees

FintechB2CCryptocurrencyBankingInvestingFinancial ServicesMobile

Open for applications

Salary not provided

Stock available

SQL

Python

Senior and Expert level

San Francisco Bay Area

Remote from US

201-500 employees

FintechB2CCryptocurrencyBankingInvestingFinancial ServicesMobile

Company mission

To create a bank that gives users the tools to become smarter with their money and reward them along their financial journey.

Job

Company

Role

Who you are

5+ years experience in Data Science or ML Engineering
A graduate degree in statistics, economics, applied mathematics, computer science, physical sciences, or a similar technical field
Proficiency in SQL and Python
Ability to communicate clearly with both technical and non-technical audiences
Excellent data analysis skills
Experience developing and deploying machine learning models
Experience, but not required, in working in financial systems, including lending or risk/fraud

What the job involves

Step is looking for an experienced Data Scientist to build and deploy Machine Learning models for all things Risk and Fraud
Build and Deploy ML Models: You’ll design, develop, and deploy machine learning models to enhance our Risk and Fraud detection systems. These models protect Step and our customers from fraud and financial loss
Lead Technical Efforts: You’ll take the lead in the Risk/Fraud area, providing technical direction and helping shape team’s strategy
Data Manipulation: You’ll use SQL to efficiently fetch, transform, and manipulate data, ensuring it’s ready for model development
Code Development: You’ll write production-grade code to deliver robust machine learning solutions
Design Experiments: You’ll apply statistics to guide experiments, determine appropriate sample sizes, and evaluate model performance
Cross-Function Partnership: Parter with Operations Team to quickly respond to rapidly evolving events

Our take

Thanks to an increasingly mobile-native and plugged-in younger demographic, fintechs have a new market to play for: teens and young adults. It’s led to fierce competition, but Step is one of the players leading the pack.

Step’s offering is a fee-free, interest-free visa card, with instant payments and easy account management that is optionally controlled by a parent (or sponsor). The idea is to offer a relatively low-risk sandbox in which young people can build up financial literacy along with a good credit score, whilst enjoying the benefits of digital banking.

Some savvy TikTok marketing by Step, along with flashy backing from celebrity investors, has helped it rapidly onboard over 3 million users and cultivate strong name-brand recognition. In 2026 it was acquired by MrBeast's company, a move which Step hopes will amplify its platform so that it can broaden its reach.

Freddie

Company Specialist at Welcome to the Jungle

Insights

Top investors

10% employee growth in 12 months

Glassdoor (3.4)

Trustpilot (4.2)

Company

Funding (last 2 of 4 rounds)

Apr 2021

$100m

SERIES C

Dec 2020

$50m

SERIES B

Total funding: $176.3m

Company benefits

Competitive Medical, Dental, Mental Health & Wellbeing benefits
12 weeks paid parental leave, baby bonus to support unexpected expenses and flexible return to work
401k Retirement Plan
Annual Professional Development Reimbursement Program
Flexible Work From Home and Time Off Policy
Stock Options

Company HQ

Ventura, Palo Alto, CA

Leadership

CJ MacDonald

(Co-Founder & CEO)

Originally worked in Senior Sales and Business Development roles at Synapse, LiveOps, and Luminate, the latter of which was acquired by Yahoo. Subsequently co-founded Gyft, ultimately acquired by First Data.

Alexey Kalinichenko

(Co-Founder & CTO)

Previously a Software Engineer at Microsoft and Google, before moving into a Senior Engineer role at Square. Left to serve as CTO for Token.

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