# Principal Research Scientist \[Risk\] - Company: [Platacard]() - Location: Worldwide - Team: HQ - Posted: July 9, 2026 ## Job description ### 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 * You will own our foundation model program end to end - from research direction to models running in production and driving real credit decisions. * Your models directly move the numbers that matter: cost of risk, approval rates, and portfolio NPV across a fast-scaling credit portfolio. * You'll work with one of the richest financial datasets in LATAM billions of transactions and behavioral events across 3M+ customers, growing daily. ### Challenges that await you * Build an end-to-end **foundation model** over financial event sequences - transactions, credit bureau data, and in-app behavioral events  with subsequent fine-tuning for downstream business tasks: underwriting (PD), credit limit strategy, fraud detection, collections, and propensity models. * Drive technical decisions end-to-end: methodology → implementation → performance and latency → robustness, interpretability, and regulatory compliance. * Take models from research to production: training infrastructure, evaluation frameworks, model serving, latency/cost optimization, and monitoring. * Research state-of-the-art approaches in the industry, publish your own work, and speak at leading conferences. * Mentor senior engineers and scientists; own technical standards for model development across the team (design reviews, evaluation methodology, deployment practices). * Communicate results clearly to cross-functional stakeholders: product, risk, business, and leadership. ### What makes you a great fit * Proven experience applying deep learning to **sequential data** - transformer architectures on event/transaction sequences strongly preferred, but not required. * Strong foundation in mathematical statistics and probability theory. * Deep understanding of machine learning algorithms (GBM, MLP, CNN, RNN, Transformers, etc.) * Experience taking large models to production: distributed training, model serving, latency/cost trade-offs. * Ability to strike a reasonable balance between solution complexity and practical applicability. * Strong mathematical or technical education - degree in mathematics, physics, or CS from a top technical university * Kaggle Competitions Master/Grandmaster or equivalent (a plus); experience developing models in banking or consumer lending (a plus) * Strong communication skills. ### Our ways of working * **Innovative Spirit:** a commitment to creativity and groundbreaking solutions * **Honest Feedback:** valuing open, transparent communication * **Supportive Team:** a strong, collaborative community * **Celebrating Achievements:** recognizing our wins together * **High-Tech Environment:** a team full of smart and revolutionary people who date to challenge the status quo of incumbent finances ### Our benefits * Relocation support to one of our hubs - Mexico, Cyprus, Serbia, Spain  with assistance for the employee and their family * Flexible work from one of our offices or remote * Healthcare coverage * Education budget: language lessons, professional training and certifications * Wellness budget: mental health and fitness activity reimbursements * Vacation policy: 20 days of annual leave and paid sick leave ## Apply [Apply on Platacard]() Canonical job page: