Affirm is reinventing credit to make it more honest and friendly, allowing consumers to buy now and pay later without hidden fees or compounding interest.
The Machine Learning Engineer will contribute to the ML Underwriting team, which is essential for assessing creditworthiness throughout the loan application life cycle.
The role involves developing high-quality, production-ready models that are central to Affirm's decision-making processes.
Responsibilities include using proprietary and third-party data to develop machine learning models predicting default likelihood, partnering with engineering teams to build model training and monitoring systems, researching innovative solutions, implementing data pipelines, and collaborating with various teams to define product requirements.
Requirements:
Proficiency in machine learning, with experience in 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 are required.
Experience with large-scale distributed systems like Spark or Ray is a plus.
Familiarity with open-source projects and software such as scikit-learn, pandas, NumPy, XGBoost, and Kubeflow is advantageous.
Excellent written and oral communication skills are necessary, along with the ability to drive cross-functional requirements.
The candidate must be able to present technical concepts and results appropriately for different audiences.
Persistence, patience, and a strong sense of responsibility are essential, as the role involves building decision-making systems that instill trust in consumers and partners.
Benefits:
Affirm offers comprehensive health care coverage, covering all premiums for all levels of coverage for employees and their dependents.
Employees receive generous stipends for spending on technology, food, lifestyle needs, and family-forming expenses through Flexible Spending Wallets.
The company provides competitive vacation and holiday schedules, allowing employees to take time off to rest and recharge.
An employee stock purchase plan (ESPP) is available, enabling employees to buy shares of Affirm at a discount.
Affirm is a remote-first company, allowing employees to work from almost anywhere within their country of employment, with some roles requiring occasional office presence.
