Senior Machine Learning Engineer

| Hybrid
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Who we are 

M1 Finance has created a personal wealth-building platform made for the modern era, uniting personal perspective and automated ease. We seamlessly combine free investing, low cost borrowing and digital checking all in one intuitive, automated Finance Super App, and we’re driven by a mission to empower personal financial well-being. We believe that financial well-being is fundamental to overall well-being, and we strive to deliver products that are simpler, smarter, and stronger than those created by our staid, boring, entrenched, slow-moving competitors in the personal finance industry.   

Our clients have already trusted us with over $3 billion of assets, we’re currently helping more than 500,000 people grow and manage their wealth with our industry-leading automation and tools, and we’re adding thousands of new clients every day.  

We’re looking for passionate people who want to improve and build on what we’ve created and take responsibility to help others build something meaningful and sustainable for their futures.   

We mean it when we say, “M1 is yours to build.” 

If this sounds interesting to you, we’d love to have you read on. 

What we’re looking for 

M1 is looking for an experienced data engineer or data scientist to lead our production machine learning practice – someone who understands the unique challenges of building robust user-facing models; someone who knows the importance of methodology and intellectual discipline; someone who can solve hard engineering problems to deliver results at scale.  

At M1, data science is embedded within our larger engineering organization, working hand-in-hand with data engineering to deliver both insights and raw data to analysts and stakeholders through the organization. To achieve this, we rely on industry-leading tools - Kubernetes, a variety of AWS offerings like S3 and Redshift, and a Python-based programming stack.  

At M1, our engineering culture is committed to executing a clear and exciting vision. We adopt an iterative approach, believe in continuous improvement, and embrace first-principles thinking. While we value creative dissent in problem solving and eschew the idea of adopting a solution just because "it has always been done that way," we also believe in respect, support, and enabling each team members’ best contributions however we can. Everyone plays an integral part in developing our product and is empowered to make impactful decisions on features, architecture, and implementation.  

What You'll Do

  • Predict business outcomes to better guide decision-makers 
  • Develop a deep insight into the domain of personal finance to guide your work 
  • Deliver results at production scale with automated pipelines 
  • Integrate with our data warehouse and data lake to source the best input data available 
  • Work closely with the brokerage, banking, marketing, and product teams to solve pressing problems 
  • Implement clean and maintainable code that adheres to industry best practices 
  • Automate processes to function robustly without manual oversight 
  • Establish methods and metrics to validate models and ensure ongoing accuracy 
  • Identify and execute on opportunities to improve existing systems 
  • Contribute product ideas to overall company growth 
  • Grow alongside an exciting, committed team who will always help you be your best 


  • 3+ years of experience in data engineering, data science, or similar fields 
  • Bachelors or Masters degree in Computer Science, Data Science, or another quantitative field  
  • Highly proficient with Python and SQL  
  • Experience with Pandas, Scipy, and sklearn 
  • Experience creating production-scale scoring, prediction, or recommendation systems 
  • Experience with S3, Presto, Redshift, Spark, or other big data systems. 
  • Experience with AWS, Kubernetes, or another cloud environment. 
  • Demonstrated ability to collaborate with not only engineering teams but also stakeholders to deliver complex projects from start to finish 
  • Strong mentorship skills with demonstrable experience elevating fellow team members 
  • Entrepreneurial spirit, self-motivated, growth-minded 
  • Excellent communicator and collaborator 
  • General knowledge of investing and personal finance or desire to learn 

Preferred Qualifications  

  • Knowledge of or interest in Scala 
  • Experience with Apache Kafka, Amazon Kinesis, SQS, or other streaming data platforms. 
  • Familiarity or interest in functional programming 
  • Experience with agile project planning methodologies 

Our Values 

Our team embodies our eight core principles and if these principles speak to you – we’d love to talk with you.  

  • Mission Driven: We will passionately apply ourselves to deliver immense value to our customers, knowing if they succeed, so too will the company. 
  • Extreme Ownership: We think and act like owners. Our focus is on building long-term value, not scoring short-term marks. We own everything in our domain, including the outcome and everything that affects it. 
  • Boldness: We want to do things of consequence. Make a difference. We would rather fail at something meaningful than succeed at something trivial. 
  • Bias for action: The best way to make progress is to act.
  • Economical: Efficiency is important, and we consider both the costs and benefits of our actions. 
  • Team-oriented: In working together, we maintain a low ego, make everyone feel welcome, assume good intent, trust one another, and seek out different perspectives. We empower our teammates to be at their best.  
  • Challenged, but not overwhelmed: We are curious people who always want to grow. Growth happens outside our comfort zone. We achieve our potential through consistent, manageable growth. 
  • Integrity: We do the right thing. When we make mistakes, we own and correct them. We would be proud of our actions are shared with our family, friends, and strangers. Everyone can count on us to act according to our values, beliefs, and principles we state we hold. This trust must never be broken.  

Our Perks 

  • Unlimited PTO 
  • Comprehensive health, dental, vision, disability, and life insurance 
  • Stock options for all employees 
  • Retirement benefit with employer match 
  • $500 to spend on home office equipment while working from home 
  • Stylish M1 swag 
  • Socially distant team outings, celebrations, and events 
  • Transparent and open communication 
  • Office in the Loop with a Game Room and Gym 
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Technology we use

  • Engineering
  • Product
  • People Operations
    • JavascriptLanguages
    • KotlinLanguages
    • PythonLanguages
    • ScalaLanguages
    • SqlLanguages
    • SwiftLanguages
    • ReactLibraries
    • Node.jsFrameworks
    • AWS (Amazon Web Services)Services
    • TableauAnalytics
    • FigmaDesign
    • MiroDesign
    • AsanaManagement
    • ConfluenceManagement
    • SlackCollaboration
    • ZoomCollaboration


The M1 office is centrally located in Chicago's Loop, with easy access to public transportation and plenty of bars and restaurants nearby.

An Insider's view of M1

What are some social events your company does?

Different ERGs and departments host monthly Happy Hours in-office and virtually. We heard from a panel of black start-up founders during Black History Month and had a drag queen come host Trivia for Pride. M1 makes sure to plan events that appeal to different interests throughout the year.


Client Success Operations Associate

What does your typical day look like?

Most days start with team standup, followed by a mix of focused coding time, cross-functional meetings with Design or Backend teams, and pairing with other engineers. There's always an exciting problem to tackle!


Senior Software Engineer

How does the company support your career growth?

We are growing in everything that we do as a company which means growth opportunities for our team members. We encourage growth by offering challenging assignments and opportunities for advancement. We support them by providing opportunities for learning and development, fostering an entrepreneurial spirit, and cultivating a culture of feedback.


Director of People Development & DEIB

How do you empower your team to be more creative?

M1 has a very deliberate culture of transparency that enables all teams - not just engineers - to have a deep understanding of how our work furthers M1's overall mission. This shared alignment and access to the bigger picture fosters the type of collaboration across teams that makes highly creative and effective problem solving possible.


VP of Platform Engineering

How has your career grown since starting at the company?

I've had many opportunities to improve my skills, learn from others' expertise, and take on new challenges at M1. I'm way more capable and confident than I was when I got here.



What are M1 Perks + Benefits

M1 Benefits Overview

A great product is the result of a talented team and strong work culture. At M1, our philosophy is to hire unbelievably intelligent, motivated, high-integrity individuals and promote an environment that enables their best work. Our company’s culture reflects what creative, intelligent people value in their careers: meaningful and interesting work, a fun environment, and financially rewarding opportunities.

Find out more about our culture:

Volunteer in local community
M1 sponsors volunteer opportunities in the Chicago community each quarter, which allows us to give back, bond as a team, and spend time doing things that are important to the employees of M1.
Partners with nonprofits
M1 partners with nonprofits such as Howard Brown Health and Junior Achievement.
Open door policy
OKR operational model
Team based strategic planning
Pair programming
Open office floor plan
Employee resource groups
Hybrid work model
Flexible work schedule
Remote work program
M1 requires those that live in the area to be in the office on Wednesdays. The intent is to get the many benefits of in person work while maintaining significant flexibility the other 4 days.
Mandated unconscious bias training
M1 offers unconscious bias, harassment, and interview training for all employees
Diversity manifesto
Diversity employee resource groups
M1 has three task forces for Internal Education, Community Involvement, and Diverse Hiring, and five employee resource groups: Mental Health at M1, Pride at M1, Black at M1, SomosM1, and Women at M1.
Hiring practices that promote diversity
M1 tracks diversity on a bi-annual basis and reports on diverse hiring metrics to leadership and the M1 board.
Health Insurance + Wellness
Disability insurance
M1 covers this at 100%
Dental insurance
Vision insurance
Health insurance
Life insurance
M1 covers this at 100%
Wellness programs
Mental health benefits
Financial & Retirement
401(K) matching
Company equity
Charitable contribution matching
Our CEO personally matches employee's charitable contributions
Child Care & Parental Leave
Generous parental leave
We provide up to 16 weeks of parental leave for the primary caretaker. M1 also provides 6 weeks of leave for the secondary caretaker.
Family medical leave
Return-to-work program post parental leave
Vacation + Time Off
Unlimited vacation policy
Paid holidays
Paid sick days
Flexible time off
Office Perks
Commuter benefits
Company-sponsored outings
Free snacks and drinks
Company-sponsored happy hours
Recreational clubs
Home-office stipend for remote employees
M1 allows employees to reimburse up to $500 for home office equipment for all employees.
Mother's room
Onsite gym
Professional Development
Job training & conferences
Tuition reimbursement
$1,000 annual learning and development stipend.
Lunch and learns
Promote from within
Mentorship program
Continuing education stipend
M1 offers employees a learning and development stipend per calendar year to support continued learning and career growth.
Continuing education available during work hours
Paid industry certifications

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