Machine Learning Engineer

Job Title : Machine Learning Engineer

Location : DLF Cybercity, Porur, Chennai- India

Experience : 4- 8 Years

About the Job :

We are looking for a skilled Machine Learning Engineer with hands-on experience in deploying ML models on scale using Google Cloud Platform (GCP) and Fast API. This is a high-visibility Individual Contributor role responsible for enabling real-time and batch model inference to support critical business functions across Credit Risk, Customer Growth, Marketing, and Operations for our Retail Banking customers.

The ideal candidate will have a strong ML engineering background, with proven experience in model deployment, monitoring, ML-Ops, and collaborative solution development with cross-functional teams including Data Scientists, Product Managers, and Software Engineers.

Job Responsibilities :

1. The candidate must be able to independently manage his / her own workstream and effectively collaborate with other regional teams.

2. Own and manage end-to-end ML deployment pipelines, ensuring reliable real-time and batch inference using Fast API and GCP services (Vertex AI, Big Query, Cloud Functions, etc.).

3. Collaborate with cross-functional teams (Data Scientists, Product Managers, Engineers) across Chennai, Manila, and Singapore to deliver production-grade ML solutions aligned with business goals.

4. Design and implement robust, reusable, and well-documented code using Python and SQL, leveraging industry-standard ML libraries like scikit-learn, pandas, NumPy, Spacy, LightGBM, and Cat Boost.

5. Deploy and maintain models across various use cases such as Credit Risk (PD, LGD, Scorecards), Propensity & Response Models, Customer Segmentation Models, Marketing Attribution Models

6. Ensure model governance by adhering to regulatory and compliance standards in financial services environments.

Preferred Experience and Qualifications :

1. BS / MS in Computer Science / Analytics / ML / Mathematics / Physics / other Science or Engineering Disciplines. 4-8 years of relevant industry experience preferred.

2. Must have Expert Level proficiency in Python and SQL. certifications in ML, cloud platforms (GCP / AWS), or ML-Ops is a plus.

3. Strong experience with core ML libraries and frameworks (Scikit Learn, NumPy, Pandas, Cat boost spacy etc.)

4. Minimum 3 years’ experience in building Credit risk models for other financial institutions / Retail / B2C start-ups / System Integrator companies / SaaS-based Banking Platforms / Product based companies would be beneficial.

5. Proven Experience in ML-Ops, Model Governance on GCP is required

6. Above all, I must be a great team player and proactive communicator. This is a Table Stake Criteria!!!

Who we are Looking for :

1. Willingness to go the extra mile for success.

2. A talented individual who embodies our company’s core values of teamwork, honesty, reliability, sense of humour and street smart

3. Energetic and lively.

4. As our approach to banking is far from ordinary, we are looking for an innovative and creative individual to join our team.

About Tonik :

We are a transformative digital bank with a mission to revolutionize the way money works. We create better financial products for the world by encouraging inclusivity through simplifying processes, reducing costs, improving transparency, and embracing flexibility to empower more people with unique financial needs. All these are on the most secure mobile banking platform. To enable this, innovation is woven into the DNA of our company. We do not just search for the best talent, but for people who seek to challenge the status quo and are passionate about transforming the impossible into reality.

Tonik (www.tonikbank.com) is the first digital-only neo bank in the Philippines, providing loan, deposit, payment, and card products to consumers on a highly secure digital banking platform. The neo bank operates based on the first private digital bank license issued by the Bangko Sentral ng Pilipinas. Tonik is led by a team of retail finance veterans who have previously built and scaled multiple retail banks and fintech’s across the global emerging markets. It is backed by top international venture capital funds. Tonik operates out of hubs in Singapore (HQ), Manila