It won’t make you an ML expert, but it’s like the difference between knowing how to write a sort function vs. only knowing how to call a sort function. Ideally, you understand both. Not saying you need to understand how every sort function works internally and write a proof for it… but a basic understanding is helpful.
Here's a nice, fairly detailed, summary - https://explained.ai/matrix-calculus/. But if you haven't taken undergraduate level single/multivariable calculus and linear algebra, I would take them from MIT Opencourseware even if it's just to fight off the impostor syndrome a little bit.
Most of the stuff that is valuable in practice does not require much math.
Many people believe math actually hindered the development of AI.
in practice, as long as you've studied basic calculus and understand how to find a minimum of a function via derivative you're good, there is your "gradient descent" in a nutshell: https://www.mathsisfun.com/calculus/maxima-minima.html
everything else is plug-and-play from existing libraries
you can ask any "data scientist" or "ML engineer" what they do all day, it's a whole lot of copy paste, and tweaking the data and parameters through trial and error until it fits
Edit: Ok , it would also help to understand dimensionality reduction via PCA/SVD at least once, it's available in any linear algebra book: https://en.wikipedia.org/wiki/Singular_value_decomposition , https://en.wikipedia.org/wiki/Principal_component_analysis that's probably the best and most "scientific" part of ML