Trusting Social is an AI Fintech pioneer that's revolutionizing credit access in emerging markets. Our mission is Advancing AI to Meet the Financial Needs of Everyday Consumers with Empathy. We've assessed over 1 billion consumers across four countries, and we're on a mission to provide 100 million credit lines using the power of AI and Big Data.

How You'll Make an Impact

The Credit Insight team sits at the intersection of finance and frontier AI — building the models and systems that determine credit access for millions of consumers across emerging markets. As a Machine Learning Engineer, you will own the full ML engineering lifecycle: from designing scalable training pipelines and feature systems to deploying production-grade models that directly impact credit scoring, fraud detection, and profit optimization. You work alongside world-class data scientists and engineers, turning research into real-world impact at scale.

This role is for someone who does not wait to be handed a problem — you bring a point of view, run experiments before being asked, and build from evidence rather than assumption. You challenge conventional modeling approaches when the data tells you to, and you synthesize signals across credit, behavior, and product domains to surface insights others miss. You are intentional in how you communicate findings — aware that a model recommendation can shape millions of financial decisions — and you continuously raise the bar for what good looks like on the team.

What You'll Do

ML Model Development & Ownership

Own end-to-end design, development, and deployment of ML models for credit scoring, fraud detection, profit optimization, and AGI-powered features.
Drive iterative model improvement by building structured feedback loops from production signals and user behavior data.

AGI Agent Development

Build and customize AGI agents aligned to specific credit and business objectives, taking full accountability for their performance outcomes.
Design and own comprehensive evaluation frameworks to assess agent quality, effectiveness, and real-world impact — catching drift early and maintaining above-threshold performance.

Model Monitoring & Continuous Improvement

Monitor deployed models and agent systems in production — tracking performance metrics, detecting data drift, and triggering retraining cycles before quality degrades.
Build tooling and dashboards that surface model health and evaluation signals, translating technical metrics into actionable business findings.

Cross-functional Collaboration

Partner with product, engineering, and business stakeholders to translate ambiguous business challenges into well-scoped ML problems.
Communicate model logic and results clearly to both technical and non-technical audiences — making the complex accessible without losing rigor.

What We're Looking For

Experience & Background

Minimum 2 years of experience in a machine learning engineering, software engineering, or applied ML role within IT, Computer Science, Banking, or Finance.
Hands-on experience building and deploying ML systems end-to-end: training pipelines, model serving, feature stores, and monitoring infrastructure.
Strong software engineering fundamentals: clean code, system design, version control, and CI/CD for ML workflows.
Familiarity with unsecured personal loans, credit cards, or other bank-related financial products is a strong plus.
Experience with big data processing frameworks (Spark, Hive, etc.) is a plus.
Startup or fast-paced tech environment background is a strong plus.

How You Work

Insights & AI Readiness — You actively use AI tools to accelerate your work: crafting precise prompts, critically evaluating model outputs, and applying AI to extract meaningful insights from complex datasets.
Bias for Action — You don't wait to be assigned a problem. You identify gaps, run experiments proactively, and ship results — moving from hypothesis to production signal faster than the team expects.
Cross-domain Competence — You connect the dots across ML systems, credit domain knowledge, and product context. You coordinate effectively across functions and bring diverse technical skills to bear in an AI-integrated environment.
Growth Mindset & Self-Improvement — You treat every model failure and every production incident as a learning input. You actively seek out new techniques, follow the research frontier, and raise the bar for yourself and those around you.

Skills & Competencies

Business Owner — You make calls without waiting for central approval. You own your models in production, not just at launch — tracking them, fixing them, and accountable for their outcomes.
AI Engineer/Architect — You ship end-to-end ML systems with the full stack: training pipelines, serving infrastructure, feature stores, and agent integrations. You don't hand off to someone else to productionize.
AI Operator — You keep deployed models and agent systems above quality threshold at target cost. You catch drift early, build monitoring that surfaces real signals, and act before degradation becomes a business problem.
Strong English communication skills (spoken and written — professional fluency required).
High adaptability and comfort operating in fast-paced, ambiguous environments.

What We Offer

Join Our Vibrant Team And Enjoy

Opportunity to work and learn from one of the best and brightest technology teams in Vietnam
Be part of a winning team with exponential growth regionally, experience recruiting world-class talents
Competitive compensation package, including 13th-month salary and performance bonuses
Comprehensive health care coverage for you and your dependents
Generous leave policies, including annual leave, sick leave, and flexible work hours
Convenient central district 1 office location, next to a future metro station
Onsite lunch with multiple options, including vegetarian
Grab for work allowance and fully equipped workstations
Fun and engaging team building activities, sponsored sports clubs, and happy hour every Thursday
Unlimited free coffee, tea, snacks, and fruit to keep you energized
An opportunity to make a social impact by helping to democratize credit access in emerging markets

At Trusting Social, we live by ownership, integrity, and agility in execution. We believe in doing what's right, what's best, and what's innovative. If you're smart, driven, and want to make a difference in the world with the most advanced and fascinating technology, come join our team. We offer the runway to truly make an impact.

Learn more about us: https://trustingsocial.com | https://www.youtube.com/watchv=inAEDGvOcL8&t=29s

To Apply: Please submit your resume, along with a cover letter detailing your interest in the role and how your experience aligns with the requirements and values of Trusting Social. We look forward to reviewing your application and exploring the possibility of you joining our exceptional team.

Machine Learning Engineer (HCMC)