Candescent is a forward-thinking technology company transforming how financial institutions deliver Intelligent Banking experiences. We unite digital banking, account opening, and branch solutions that power and connect digital banking, account opening, and branch solutions—creating seamless engagement across digital, remote, and in-person channels.

Our Experience-Led, Intelligence-Driven approach combines human-centered design with data, automation, and cloud-based innovation. Built on an API-first architecture, our extensible ecosystem enables institutions to adapt quickly, integrate easily, and unlock new opportunities for growth—turning every customer interaction into a moment of clarity, confidence, and connection.

Candescent is the leading provider of non-core digital banking SaaS solutions, delivering account opening, digital banking, and branch experiences for banks and credit unions of all sizes. Our API-first architecture and integrated ecosystem enable seamless customization and third-party integration, while connected in-person, remote, and digital channels transform customer service. With self-service tools, marketing capabilities, and data-driven analytics, we empower institutions to enhance branding, optimize user experience, and drive growth—supported by expert, end-to-end service.

Position Overview: The Principal AI Scientist will be responsible to design, develop, and deploy AI-powered software solutions for Banks, Credit unions & Financial giants. This role requires a deep understanding of AI technologies and the ability to collaborate effectively with cross-functional teams.

Requirements

6+ years of experience in AI, ML, Gen AI, Agentic AI, NLP, Modelling & Real time decisioning systems
Excellent programming skills in Python, research/innovation experience, strong communication & collaboration skills
Hand-on experience in building Agents, prompt engineering, fine-tuning, transfer learning, Transformers, Deep Learning, innovation & research
Experience in enterprise SaaS platforms; fintech or banking domain, Conversational AI, experience in product based company is strongly preferred.
Experience in GCP cloud, MLOps practices for CI/CD in AI/ML, deploying the APIs (FastAPI) & vector data bases.
Familiarity with Open Banking standards, APIs, data-sharing frameworks, embedding third-party AI tools/APIs into core product workflows.

Key Responsibilities

Contribute to Candescent's AI vision aligned with product and platform strategy.
Mentor other Agentic AI/AI/ML professionals providing guidance on best practices and technical expertise.
Develop AI Agents, Gen AI/AI/ML Solutions, Custom data models and algorithms from conception to completion ensuring quality & timelines
Partner with Product & Engineering to develop secure, compliant, and scalable Agentic AI, Gen AI, AI & ML capabilities across our customer-facing and internal platforms.
Identify opportunities for AI integration and expansion across various products & services.
Develop AI-powered features across the digital banking platform, including fraud detection, smart personalization, chat and voice assistants, and intelligent automation.
Champion AI used cases in open banking—powering smarter financial decisions through data aggregation, partner integrations, and predictive analytics.
Drive integration of third-party AI tools and services into Candescent's platform through APIs and SDKs.
Establish and enforce best practices in model governance, quality management, bias mitigation, responsible AI & model explainability.
Stay updated with the latest advancements in Agentic AI/Gen AI/AI/ML and propose innovative solutions to enhance the company's capabilities.

EEO Statement

Integrated into our shared values is Candescent's commitment to diversity and equal employment opportunity. All qualified applicants will receive consideration for employment without regard to sex, age, race, color, creed, religion, national origin, disability, sexual orientation, gender identity, veteran status, military service, genetic information, or any other characteristic or conduct protected by law. Candescent is committed to being a globally inclusive company where all people are treated fairly, recognized for their individuality, promoted based on performance and encouraged to strive to reach their full potential. We believe in understanding and respecting differences among all people. Every individual at Candescent has an ongoing responsibility to respect and support a globally diverse environment.

Statement to Third Party Agencies

To ALL recruitment agencies: Candescent only accepts resumes from agencies on the preferred supplier list. Please do not forward resumes to our applicant tracking system, Candescent employees, or any Candescent facility. Candescent is not responsible for any fees or charges associated with unsolicited resumes.