---
title: 'Staff Software Engineer, Machine Learning at Current'
canonical: 'https://feeny.ai/job/staff-software-engineer-machine-learning-current-new-york-03kesfm1w3xf'
type: 'job'
last_seen: '2026-10-13'
---

# Staff Software Engineer, Machine Learning at Current

- **Company:** Current
- **Location:** New York, NY
- **Posted:** 2026-09-28
- **Last confirmed live:** 2026-10-13
- **Apply:** https://current.com/careers/open-positions/?id=8236807&gh_jid=8236807

## Job description

## STAFF ENGINEER, MACHINE LEARNING

Current is a leading consumer fintech platform transforming financial access for everyday Americans with over 6 million members. We provide access to financial solutions that seamlessly work together to solve the needs of our members and enable all Americans to build better financial futures. Based in NYC, our results-driven environment drives us to build better products, grow faster and empower everyone on our team to have an impact on our business and mission to improve financial outcomes.

Current's Engineering team is dedicated to building our products and infrastructure. With our applications running on Google Cloud Kubernetes Engine, we support a proprietary banking core that can scale to handle millions of transactions a day. Our services run on MongoDB, with data exported to Google Cloud Storage and BigQuery for analytics. Batch feature computation runs on the JVM using Apache Beam and Dataflow, with dbt for the analytics estate and Airflow for orchestration. Our ML stack includes an in-house feature store and model registry with a serving proxy, and our data scientists develop models in Python.

Machine learning drives decisions across the business: underwriting for liquidity products, fraud detection and risk exposure, marketing acquisition and spend. Models that ship faster and behave predictably in production are worth real money and real member trust.

We are looking for a Staff Engineer, Machine Learning to join our Infrastructure team in New York. This role has a salary range of $240,000 - $325,000. You will lead ML engineering initiatives across Current, with the goal of optimizing our model lifecycle: improving how we build, validate, deploy, and change models, and making that path faster and more repeatable as our model portfolio grows. This is a hands-on individual contributor role without direct reports, with room to grow into a team. The ideal candidate has built and operated ML systems in production end to end, not only models, and has a track record of setting technical direction and delivering against it. This person should be comfortable leading from an ambiguous problem to a shipped solution, and should treat data scientists as their customer.

## WHAT TO EXPECT:

- Owning technical direction for the ML stack end to end: feature definition and computation, training data generation, training infrastructure, model serving, and production monitoring, along with the contracts between them
- Building tooling for training/serving consistency across analytics, batch computation, and live serving, accounting for differences in data sources and timing
- Designing how every deployed model stays linked to its dataset, feature versions, labels, and training code, to the standard model risk management expects
- Enabling data scientists to generate reproducible, point-in-time-correct datasets and run standard validation without an engineering ticket
- Setting the working contracts between the groups that build, consume, and govern models, and keeping the stack legible to people who don't read the code
- Measuring delivery time, engineering effort, and rework, and using that evidence to prioritize improvements
- In your first year:
- Establishing a delivery baseline and proving the workflow on one production model with versioned features, a reproducible dataset, and reusable validation
- Extending those capabilities to additional models and measuring adoption and improvement against the baseline
- Standardizing model monitoring and defining production-readiness gates with Data Science, Risk, and service owners
- Evaluating build-versus-buy options for ML platform tooling against real production requirements
- Partnering daily with engineers across our squads and with data scientists and analysts, and regularly with Risk, Marketing, and Finance, who own the decisions our models support

## ABOUT YOU:

- 3+ years experience building and operating ML systems in production, including feature pipelines, the training data path, the serving layer, and the monitoring around them
- A track record of improving ML delivery workflows, and the ability to explain the trade-offs, results, and lessons from those decisions
- 8+ years of overall software engineering experience, including strong production skills in Python and SQL, experience building production systems in a JVM language, and 3+ years of experience building and maintaining ML platforms
- Sound reasoning about time in data: point-in-time correctness, label leakage, feature availability, and training/serving skew
- Experience setting a long-term technical direction and turning it into an achievable roadmap, delivering useful improvements along the way
- Experience leading initiatives from an ambiguous problem through scoping, stakeholder agreement, and delivery
- Experience establishing engineering standards, mentoring engineers, and helping teams adopt shared infrastructure
- Strong communication skills, with the ability to explain trade-offs clearly and find workable solutions across engineering, data science, risk, marketing, and finance
- Fluency with AI tools, including coding agents, in your own engineering work, with the judgment to evaluate their output and own the quality of what you ship
- Feature store, feature platform, or ML platform experience at a company where models make consequential decisions is a plus
- Experience in financial services, credit, fraud, or another regulated decisioning domain, and familiarity with model risk management, is a plus
- Experience with streaming and change data capture, large-scale batch on Apache Beam or Spark, or distributed training is a plus

## BENEFITS:

- Competitive salary
- Meaningful equity in the form of stock options
- 401(k) plan
- Discretionary performance bonus program
- Biannual performance reviews
- Medical, Dental and Vision premiums covered at 100% for you and your dependents
- Flexible time off and paid holidays
- Generous parental leave policy
- Commuter benefits
- Fitness benefits
- Healthcare and Dependent care FSA benefit
- Employee Assistance Programs focused on mental health
- Healthcare advocacy program for all employees
- Access to mental health apps
- Team building activities
- Our modern NYC based office with open floor plan, stocked kitchen, and catered lunches

## About Current

## Company Overview
- **One-liner**: Current is a consumer fintech platform that provides mobile-first banking services—including spending accounts, early paycheck access, credit building, and savings—to help everyday Americans improve their financial outcomes.
- **Entity Type**: Private (Series E; most recent round closed June 2026)
- **Headquarters**: New York, New York, United States
- **Founded**: 2015
- **Founders**: Stuart Sopp (CEO & Co-Founder)

## Core Business
- **Primary industry**: Financial Services / Fintech (consumer banking, payments, credit, earned wage access)
- **Target customers**: B2C — everyday Americans, including teens (custodial accounts), gig workers, and underserved or unbanked populations; no minimum income or age restrictions
- **Mission / purpose**: To improve financial outcomes for all Americans by providing affordable, integrated financial solutions that address their most important needs.

## Products & Services
- **Spending Account (Core Banking)**: Mobile-first checking account with a Visa debit card; no mandatory fees, no minimum balance, fee-free overdraft, and early access to paychecks (up to 2 days early with direct deposit).
- **Paycheck Advances (Earned Wage Access)**: Advances of up to $750 deposited directly into the Current account for qualifying members.
- **Build Card (Secured Credit Card)**: No credit check, no upfront deposit; helps members build credit history with monthly payments; managed via a single spending balance.
- **Savings Pods**: Sub-accounts that earn an annual boost up to 4.00% APY; instant transfers from spending balance.
- **Crypto Trading**: Buy/sell dozens of coins directly from spending balances with no trading fees.
- **Teen Banking (Custodial Accounts)**: Debit cards for kids with automatic allowances, instant transfers, and real-time spending alerts for parents.
- **P2P Transfers**: Send money to anyone.
- **Cash Deposits**: Available at 60,000+ participating retail locations.
- **ATM Network**: Access to 40,000+ fee-free in-network ATMs.
- **Money Management Tools**: Budgeting tools, spending insights, instant notifications.

## Market Standing
- **Valuation**: $1.5 billion (post-money, Series E, June 2026)
- **Total Funding**: $663.4M (across 10 rounds, including the Series E)
- **Annual Revenue**: Not publicly disclosed; reported 3 consecutive years of 70%+ revenue growth (as of June 2026)
- **Members**: 6+ million (as of mid-2026)
- **Notable Investors**: Springcoast Partners (led Series E), Andreessen Horowitz, Tiger Global Management, Avenir, Foundation Capital, Wellington Management, Sapphire Ventures, General Catalyst (Customer Value Fund), QED Investors, Cross River
- **Growth Signals**: 
  - Third consecutive year of >70% growth (June 2026)
  - Approaching profitability in 2026
  - Expanded credit/liquidity partnership with Cross River
  - Extended commitment from General Catalyst’s Customer Value Fund
  - Building operational scale and governance for public company readiness
  - Headcount grew 33.4% YoY to ~183 employees (LinkedIn data, 2025-2026)

## Competitive Advantages
- **Proprietary core banking technology**: Built and maintains its own core banking stack, enabling full integration of features (no silos) and direct relationships with partner banks (Choice Financial, Cross River) and Visa without intermediaries.
- **Spend-based business model**: Revenue driven primarily by interchange fees (merchant swipe fees), not deposit-based lending — a fundamentally different model from traditional banks.
- **No mandatory fees**: No annual fees, overdraft fees, or minimum balance requirements, making it accessible to low-income and underserved Americans.
- **Integrated credit building**: Secured credit card + credit score monitoring (VantageScore) tied directly to the spending account, with no separate deposit or credit check.
- **AI & cloud-native platform**: Heavy investment in AI and cloud infrastructure to deliver personalized financial experiences at scale.

## Strategic Focus
- **Product innovation**: Continued investment in AI-powered financial services, banking, payments, liquidity, and credit offerings.
- **Public market readiness**: Building the operational scale, governance, and financial profile expected of a public company; targeting profitability in 2026.
- **Member growth**: Expanding the member base beyond 6 million by deepening product adoption and entering new use cases.

## Why Work Here
- **Culture**: Mission-driven fintech focused on improving financial outcomes for everyday Americans; described as combining industry-leading technology with highly skilled talent.
- **Work environment**: Headquarters in New York, NY; hybrid/office policy not explicitly stated but roles are likely NYC-based.
- **Perks & benefits**: Competitive salary, equity, discretionary bonus program, flexible vacation policy, commuter benefits, medical/dental/vision insurance.
- **Engineering culture**: Emphasis on building proprietary core banking tech, AI/ML infrastructure, and fully integrated product experiences; strong focus on security, scalability, and innovation.
- **Recent hires from**: Varo Bank, WeWork, letgo, Deloitte, Amazon, American Express, Uber, Capital One, Morgan Stanley, JPMorganChase — indicating a high-caliber talent pool.
- **Open roles (as of mid-2026)**: Senior Software Engineer (Applied ML), Senior Business Intelligence Engineer, Senior Data Analyst, Senior Data Scientist, Director of Data Analytics, Director of Risk, Analytics Engineer, and more.

## Sources
1. [current.com/about-us](https://current.com/about-us/)
2. [current.com/careers](https://current.com/careers/)
3. [current.com](https://current.com/)
4. [LinkedIn - Current](https://www.linkedin.com/company/current)
5. [CB Insights - Current](https://www.cbinsights.com/company/current)
6. [Greenhouse - Current Careers](https://job-boards.greenhouse.io/current81)

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