Machine Learning Engineer I

Summary

Join Affirm's ML Underwriting team as a Machine Learning Engineer and contribute to developing high-quality, production-ready machine learning models. You will leverage Affirm’s proprietary and third-party data to predict default likelihood and make approval/decline decisions. Collaborate with engineering, credit, and product teams to build model training, decisioning, and monitoring systems. Research groundbreaking solutions and develop prototypes for credit decisioning. Implement and scale data pipelines, new features, and algorithms for production models. Present technical concepts and results effectively. Affirm offers competitive benefits, including 100% subsidized medical, dental, and vision coverage for you and your dependents.

Requirements

• Proficiency in machine learning with experience in areas such as Generalized Linear Models, Gradient Boosting, Deep Learning, and Probabilistic Calibration. Domain knowledge in credit risk is a plus
• Strong programming skills in Python and SQL
• This position requires either equivalent practical experience or a Bachelor’s degree in a related field
• Excellent written and oral communication skills and the capability to drive cross-functional requirements with product and engineering teams
• The ability to present technical concepts and results in an audience-appropriate way
• Persistence, patience and a strong sense of responsibility – we build the decision making that enables consumers and partners to place their trust in Affirm!

Responsibilities

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

Preferred Qualifications

• Experience using large scale distributed systems like Spark or Ray is a plus
• Experience using open source projects and software such as scikit-learn, pandas, NumPy, XGBoost, Kubeflow is a plus

Benefits

• 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