Machine Learning Engineer

At Affirm, we exist for the moments that matter—giving people a clear, predictable way to pay over time, with no hidden fees, no surprises, and no tradeoffs on what matters most.

As a Machine Learning Engineer on our team, you will be at the forefront of developing high-quality, production-ready models that play a central role in our decision-making processes. Your contributions will be instrumental in shaping our financial landscape. If you have a strong interest in machine learning and enjoy challenging work, Affirm is the place for you!

What you'll do

• 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

What we look for

• 2+ years of experience as a machine learning engineer or PhD in a relevant field

• 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, Kubeflow

• Experience developing machine learning models at scale from inception to business impact

• 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!

Pay Grade - L
Equity Grade - 5

Employees new to Affirm typically come in at the start of the pay range. Affirm focuses on providing a simple and transparent pay structure which is based on a variety of factors, including location, experience and job-related skills.