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Principal Research Scientist - Risk (AI/ML)

plata • Cyprus
Remote Relocation
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Own Plata's foundation model program end to end, building production-grade models that drive credit decisions across a fast-scaling portfolio. Build and deploy foundation models over financial event sequences, from research to production serving, with focus on underwriting, fraud, collections, and propensity. Requires deep learning on sequential data (transformers preferred), strong statistics, and experience taking large models to production.

Key Highlights
Own foundation model program end to end from research to production
Build models over financial event sequences for underwriting, fraud, collections, propensity
Work with 3M+ customer transaction and behavioral data in LATAM
Relocation support to Mexico, Cyprus, or Spain hubs
Flexible office or remote work
Key Responsibilities
Build end-to-end foundation model over financial event sequences with fine-tuning for underwriting, credit limit strategy, fraud detection, collections, and propensity models
Drive technical decisions from methodology to implementation, performance, latency, robustness, interpretability, and regulatory compliance
Take models from research to production including training infrastructure, evaluation frameworks, model serving, latency/cost optimization, and monitoring
Research state-of-the-art approaches, publish work, and speak at leading conferences
Mentor senior engineers and scientists and own technical standards for model development
Communicate results to cross-functional stakeholders
Technical Skills Required
Deep Learning Transformers Distributed Training
Benefits & Perks
Relocation support to Mexico, Cyprus, or Spain hubs with family assistance
Flexible work from office or remote
Healthcare coverage
Education budget for language lessons, training, certifications
Wellness budget for mental health and fitness
Annual leave and paid sick leave
Nice to Have
Kaggle Competitions Master/Grandmaster or equivalent
Experience developing models in banking or consumer lending

Job Description

Worldwide • Data • Remote Work

Principal Research Scientist [Risk]

About Plata

Plata is one of the fastest-growing fintech companies in the world. In just 3 years, we've grown to 3M+ customers and reached a $5B+ valuation. We're now strengthening our Risk & Decisioning core team and are looking for a Principal AI Engineer to set the technical bar and build best-in-class, production-grade models that materially move business metrics.

Why this role

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