---
title: 'Machine Learning Engineer, Underwriting at Bree'
canonical: 'https://feeny.ai/job/machine-learning-engineer-underwriting-bree-remote-8e24rc5dvva6'
type: 'job'
last_seen: '2026-09-11'
---

# Machine Learning Engineer, Underwriting at Bree

- **Company:** Bree
- **Location:** Remote
- **Compensation:** $180k–$250k
- **Employment:** full-time
- **Work type:** remote
- **Posted:** 2026-05-11
- **Last confirmed live:** 2026-09-11
- **Apply:** https://jobs.ashbyhq.com/bree/f33dd42a-6a68-495d-baa6-2830ca9e5834

## Job description

## About Bree

Bree is a consumer finance platform building faster, simpler, and more affordable financial services for Canadians who often live paycheck to paycheck. We operate in a massive market that’s historically been underserved by traditional financial institutions, and we’re building products that help customers access short-term credit with a transparent, user-first experience. To date, 800,000+ Canadians have signed up for Bree—and we believe we’re still early. We’re at an exciting intersection of product-market fit, rapid growth, and a clear path to becoming one of the most important fintech companies in Canada. We were part of Y Combinator (Summer 2021) and raised a $2M seed round shortly after.

## About the Role

We’re looking for a Machine Learning Engineer to build and scale high-impact, world-class ML systems. You’re passionate about deploying AI solutions, optimizing performance, and driving measurable results. Your work will power critical decisions and shape the future of our technology.

## What You'll Do

- Design, develop, and deploy end-to-end machine learning pipelines, ensuring efficiency in training, validation, and inference.
- Implement MLOps best practices, including CI/CD for ML models, model versioning, monitoring, and retraining strategies.
- Optimize ML models using feature engineering, hyperparameter tuning, and scalable inference techniques.
- Work with structured and unstructured data, leveraging Pandas, NumPy, and SQL for efficient data manipulation.
- Apply machine learning design patterns to build modular, reusable, and production-ready models.
- Collaborate with data engineers to develop high-performance data pipelines for training and inference.
- Deploy and manage models on cloud platforms (AWS, GCP, Azure) with containerization and orchestration tools like Docker and Kubernetes.
- Maintain model performance by implementing continuous monitoring, bias detection, and explainability techniques.

## What You'll Need

- Proficiency in Python and familiarity with ML libraries like Scikit-learn, LightGBM, and PyTorch.
- Strong understanding of machine learning algorithms, including supervised and unsupervised learning techniques.
- Experience with MLOps tools such as MLflow, Kubeflow, or SageMaker for tracking experiments and automating workflows.
- Hands-on experience with data manipulation libraries (Pandas, NumPy) and databases (SQL, NoSQL).
- Knowledge of cloud-based ML deployment and infrastructure management.
- Ability to implement real-time and batch inference pipelines efficiently.
- Strong analytical and problem-solving skills to translate business needs into scalable ML solutions.
- Eagerness to work in a fast-paced environment and continuously refine ML processes for efficiency and accuracy.

Benefits: 💰Top of the market compensation for top performers ⚕️Comprehensive health, dental, and vision benefits plan 🖥 $1,500 annual learning & home-office stipend 🧘🏼 $1,000 annual wellness stipend 🍔 Monthly Lunch Stipend 🚗 Commuter Benefits 🚼Paid Parental leave 🏝20 annual PTO days + unlimited sick days 🚀 Quarterly Team Gatherings ☕ In Office Amenities

## About Bree

## Company Overview
- **One-liner**: Bree is a Canadian consumer finance platform that provides interest‑free cash advances (up to $750) along with a budgeting tool and financial wellness content to help people avoid overdraft fees.
- **Entity Type**: Private (backed by Y Combinator S21; venture‑funded)
- **Headquarters**: Toronto, Ontario, Canada (also offices in Vancouver, BC; United States; Philippines; Vietnam)
- **Founded**: 2021
- **Founders**: Adam Kang and Alexander Li

## Core Business
- **Primary industry**: Consumer finance / Fintech
- **Target customers**: B2C – Canadians living paycheck‑to‑paycheck, especially those at risk of overdraft
- **Mission/purpose statement**: “To help Canadians move towards financial wellness” with no interest, no mandatory fees, and a community‑supported model.

## Products & Services
- **Cash Advance (Flagship)**: Interest‑free cash advances from $20 up to $750, with 0% APR. No mandatory fees or interest; users choose an optional tip. Repayment is triggered on the next payday (minimum 1 day, maximum 90 days). Offers overdraft protection.
- **Budgeting Tool**: Included in the optional monthly membership ($2.99/month after a 1‑month free trial). Provides financial insights and spending tracking.
- **Weekly Newsletter**: Financial wellness content sent to subscribers.

## Market Standing
- **Valuation / Market Cap**: Not disclosed (private company)
- **Key Metric**: Over 400,000 consumers have signed up since 2021 (source: LinkedIn)
- **Notable Investors/Partners**: Y Combinator (S21 batch), plus other venture capital firms and angel investors.
- **Growth Signals**: Headcount grew 54.2% YoY to 31 employees (LinkedIn). Active job postings increased 140% year‑over‑year. Expanding into new roles across engineering, product, and operations.

## Competitive Advantages
- **No‑interest, no‑fee model**: Differentiates from payday lenders and traditional overdraft services. Users only tip if they choose, keeping the service affordable.
- **Community‑supported ethos**: “Pay it forward” culture – tips from users keep the service running, aligning incentives with customer well‑being.
- **Simple, fast access**: Sign up and get approved in minutes; integrated with payroll for automatic repayment.
- **Strong early traction**: 400,000+ users in a large addressable market (20M+ Canadians living paycheck‑to‑paycheck).

## Strategic Focus
- **Product expansion**: Bree positions itself as “Chime for Canada” – aiming to become a full‑service digital banking alternative. Current hiring includes ML engineers for underwriting and product managers for new features.
- **Growth**: Scaling engineering and AI capabilities (e.g., Machine Learning Engineer, Underwriting) to improve credit decisioning and personalisation.
- **Geographic reach**: Currently Canada‑focused but has remote teams in the US, Philippines, and Vietnam, suggesting interest in global talent and possibly future international expansion.

## Why Work Here
- **Culture & mission**: “Customer First” and “Trust” are core values. The company aims to replace predatory payday loans with a fair, transparent service.
- **Engineering environment**: Tech stack includes modern tools (React Native, Python, Kubernetes, AWS, Snowflake, PyTorch). Teams are cross‑functional and agile.
- **Growth opportunity**: Rapid headcount growth (54% YoY) and a startup stage (Series unknown, but YC‑backed) means employees can have outsized impact.
- **Work policy**: Hybrid/remote options – roles are listed as remote (US/Canada) or Toronto/ Vancouver. Flexible working arrangements.
- **Compensation**: Salaries for engineering roles range from roughly $130K–$230K CAD (per YC job listings), competitive for Canadian fintech.
- **Benefits**: Optional $2.99/month membership for premium budgeting features; otherwise no mandatory fees. Perks mentioned: free trial, community support model.

## Sources
1. [trybree.com](https://www.trybree.com/)
2. [trybree.com/about](https://www.trybree.com/about)
3. [linkedin.com/company/breetechnologies](https://ca.linkedin.com/company/breetechnologies)
4. [ycombinator.com/companies/bree/jobs](https://www.ycombinator.com/companies/bree/jobs)
5. [ashbyhq.com/bree](https://jobs.ashbyhq.com/bree)

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