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Worth AIWA

Principal Data Engineer

Worth AI is a revolutionary SaaS platform transforming credit scoring and risk management through AI technology, founded by fintech veterans Sal Rehmetullah and Suneera Madhani in 2023.

Worth AI

Employee count: 11-50

United States only

Worth AI, a leader in the computer software industry, is looking for a talented and experienced Principal Data Engineer to join their innovative team. At Worth AI, we are on a mission to revolutionize decision-making with the power of artificial intelligence while fostering an environment of collaboration, and adaptability, aiming to make a meaningful impact in the tech landscape.. Our team values include extreme ownership, one team and creating reaving fans both for our employees and customers.

Worth is looking for a Principal Data Engineer to own the company-wide data architecture and platform. Design and scale reliable batch/streaming pipelines, institute data quality and governance, and enable analytics/ML with secure, cost-efficient systems. Partner with engineering, product, analytics, and security to turn business needs into durable data products.

Responsibilities

What you will do:

  • Architecture & Strategy
    • Define end-to-end data architecture (lake/lakehouse/warehouse, batch/streaming, CDC, metadata).
    • Set standards for schemas, contracts, orchestration, storage layers, and semantic/metrics models.
    • Publish roadmaps, ADRs/RFCs, and “north star” target states; guide build vs. buy decisions.
  • Platform & Pipelines
    • Design and build scalable, observable ELT/ETL and event pipelines.
    • Establish ingestion patterns (CDC, file, API, message bus) and schema-evolution policies.
    • Provide self-service tooling for analysts/scientists (dbt, notebooks, catalogs, feature stores).
    • Ensure workflow reliability (idempotency, retries, backfills, SLAs).
  • Data Quality & Governance
    • Define dataset SLAs/SLOs, freshness, lineage, and data certification tiers.
    • Enforce contracts and validation tests; deploy anomaly detection and incident runbooks.
    • Partner with governance on cataloging, PII handling, retention, and access policies.
  • Reliability, Performance & Cost
    • Lead capacity planning, partitioning/clustering, and query optimization.
    • Introduce SRE-style practices for data (error budgets, postmortems).
    • Drive FinOps for storage/compute; monitor and reduce cost per TB/query/job.
  • Security & Compliance
    • Implement encryption, tokenization, and row/column-level security; manage secrets and audits.
    • Align with SOC 2 and privacy regulations (e.g., GDPR/CCPA; HIPAA if applicable).
  • ML & Analytics Enablement
    • Deliver versioned, documented datasets/features for BI and ML.
    • Operationalize training/serving data flows, drift signals, and feature-store governance.
    • Build and maintain the semantic layer and metrics consistency for experimentation/BI.
  • Leadership & Collaboration
    • Provide technical leadership across squads; mentor senior/staff engineers.
    • Run design reviews and drive consensus on complex trade-offs.
    • Translate business goals into data products with product/analytics leaders.

Requirements

    • 10+ years in data engineering (including 3+ years as staff/principal or equivalent scope).
    • Proven leadership of company-wide data architecture and platform initiatives.
    • Deep experience with at least one cloud (AWS) and a modern warehouse or lakehouse (e.g., Snowflake, Redshift, Databricks).
    • Strong SQL and one programming language (Python or Scala/Java).
    • Orchestration (Airflow/Dagster/Prefect), transformations (dbt or equivalent), and streaming (Kafka/Kinesis/PubSub).
    • Data modeling (3NF, star, data vault) and semantic/metrics layers.
    • Data quality testing, lineage, and observability in production environments.
    • Security best practices: RBAC/ABAC, encryption, key management, auditability.

Nice to Have

    • Feature stores and ML data ops; experimentation frameworks.
    • Cost optimization at scale; multi-tenant architectures.
    • Governance tools (DataHub/Collibra/Alation), OpenLineage, and testing frameworks (Great Expectations/Deequ).
    • Compliance exposure (SOC 2, GDPR/CCPA; HIPAA/PCI where relevant).
    • Model features sourced from complex 3rd-party data (KYB/KYC, credit bureaus, fraud detection APIs)

Benefits

    • Health Care Plan (Medical, Dental & Vision)
    • Retirement Plan (401k, IRA)
    • Life Insurance
    • Unlimited Paid Time Off
    • 9 paid Holidays
    • Family Leave
    • Work From Home
    • Free Food & Snacks (Access to Industrious Co-working Membership!)
    • Wellness Resources

About the job

Apply before

Posted on

Job type

Full Time

Experience level

Senior

Location requirements

Hiring timezones

United States +/- 0 hours

About Worth AI

Learn more about Worth AI and their company culture.

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Worth AI is a pioneering SaaS platform focused on enhancing financial risk management and business credit scoring through innovative use of artificial intelligence. The company, founded in 2023 by entrepreneurs Sal Rehmetullah and Suneera Madhani, aims to empower businesses, particularly small and medium-sized enterprises (SMEs), with tools that ensure equitable access to credit and streamlined onboarding processes. At the heart of Worth AI's offerings is the Worth Score™, a unique, data-driven credit score that consolidates diverse financial information to facilitate informed lending decisions.

With headquarters in Orlando, Florida, Worth AI operates in an increasingly competitive fintech landscape, providing solutions that address the needs for real-time data tracking, automated compliance checks, and proactive risk management. Their platform features advanced tools designed to optimize financial processes for banks, credit unions, and fintech companies. By leveraging innovative AI underwriting techniques, Worth AI enhances the efficiency and accuracy of credit assessments, thereby reducing bias and minimizing borrower default risk. Worth AI not only elevates the efficiency of financial institutions but also strives to foster economic inclusion by making financial support more accessible to underserved businesses.

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Worth AI hiring Principal Data Engineer • Remote (Work from Home) | Himalayas