Senior Machine Learning Engineer, ML Underwriting - Join Affirm!

At Affirm, we are reinventing credit to be honest and friendly, giving consumers the flexibility to buy now and pay later without any hidden fees or compounding interest. Join our team as a Senior Machine Learning Engineer and help us revolutionize the financial landscape!

About the Role

As a Senior Machine Learning Engineer in our ML Underwriting team, you will be at the forefront of developing high-quality, production-ready models that play a crucial role in our decision-making processes. Your expertise will be instrumental in assessing creditworthiness throughout the life cycle of loan applications using cutting-edge machine learning techniques.

What You’ll Do

• Develop machine learning models using Affirm’s proprietary and third-party data to predict the likelihood of default and make approval or decline decisions to achieve business objectives.
• Collaborate with platform and product engineering teams to build model training, decisioning, and monitoring systems.
• Research groundbreaking solutions and develop prototypes that drive the future of credit decisioning at Affirm.
• Implement and scale data pipelines, new features, and algorithms essential to our production models.
• Work with engineering, credit, and product teams to define requirements for new products.

What We Look For

• 6+ years of experience as a machine learning engineer (relevant PhD can count for up to 2 years of experience).
• Experience developing machine learning models at scale from inception to business impact.
• Proficiency in machine learning with expertise in areas such as Generalized Linear Models, Gradient Boosting, Deep Learning, and Probabilistic Calibration.
• Strong engineering skills in Python and data manipulation skills like SQL.
• Experience with large scale distributed systems like Spark or Ray.
• Familiarity with open-source projects like scikit-learn, pandas, NumPy, XGBoost, PyTorch, and Kubeflow.
• Experience with Kubernetes, Docker, and Airflow is a plus.
• Excellent written and oral communication skills, with the capability to drive cross-functional requirements with product and engineering teams.
• Persistence, patience, and a strong sense of responsibility—we build decision-making systems that enable consumers and partners to trust Affirm.

Compensation

Pay Grade - USA30. Employees new to Affirm or promoted into a new role typically begin in the minimum to mid-range. The USA base pay range varies by region:

CA, WA, NY, NJ, CT:

• Min: $162,400
• Mid: $203,000
• Max: $243,500

Other U.S. states:

• Min: $146,100
• Mid: $182,700
• Max: $219,200

Remote Work Flexibility

#LI-Remote

Affirm is proud to be a remote-first company! The majority of our roles are remote, allowing you to work almost anywhere within the country of employment. For roles that are proximal, you may have the flexibility to work remotely but will occasionally need to work from your assigned Affirm office.

Benefits

We offer competitive benefits, anchored in our core value of "people come first." Some highlights include:

• Health Care Coverage: Affirm covers all premiums for all levels of coverage for you and your dependents.
• Flexible Spending Wallets: Generous stipends for spending on technology, food, various lifestyle needs, and family-forming expenses.
• Time Off: Competitive vacation and holiday schedules allowing you to take time off to rest and recharge.
• ESPP: An employee stock purchase plan enabling you to buy shares of Affirm at a discount.

Inclusive Hiring Practices

We are committed to providing an inclusive interview experience for all, including people with disabilities. We are happy to provide reasonable accommodations to candidates in need of individualized support during the hiring process.

[For U.S.