Senior Machine Learning Engineer

Summary

Join Affirm's Machine Learning Underwriting team as a Senior Machine Learning Engineer. You will develop and implement machine learning models for credit risk assessment, collaborating with engineering and product teams. This role requires extensive experience in machine learning, strong engineering skills (Python, SQL, distributed systems), and experience building models at scale. Affirm offers a competitive compensation package including a high base pay, comprehensive health benefits (100% subsidized medical, dental, and vision), flexible spending stipends, generous time off, and an employee stock purchase plan. The position is remote-first, allowing flexibility in work location. Affirm is committed to providing an inclusive and supportive work environment.

Requirements

• 6+ years of experience as a machine learning engineer. Relevant PhD can count for up to 2 YOE
• This position requires either equivalent practical experience or a Bachelor’s degree in a related field
• Experience developing machine learning models at scale from inception to business impact
• 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 engineering skills in Python and data manipulation skills like SQL
• Experience using large scale distributed systems like Spark or Ray
• Experience using open source projects and software such as scikit-learn, pandas, NumPy, XGBoost, PyTorch, Kubeflow
• Excellent written and oral communication skills and the capability to drive cross-functional requirements with product and engineering teams
• 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 with Kubernetes, Docker, and Airflow 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
• Remote work, flexible hours