Machine Learning Engineer developing fraud prediction models for Affirm. Collaborating with cross-functional teams and building real-time transaction decision systems.
Responsibilities
You will develop and iterate on fraud prediction models using a mix of approaches for tabular and behavioral data
You will build and scale feature pipelines and training datasets from proprietary and third-party signals, partnering with data and platform teams when needed.
You will prototype new modeling ideas and features, run offline experiments, and drive the best-performing approaches into production with appropriate risk controls.
You will help productionize models: integrate into batch and/or real-time decision systems, and improve reliability, latency, and operational robustness.
You will instrument and monitor model and data health, and help define retraining/backtesting workflows as fraud patterns evolve.
You will collaborate across Engineering, Fraud Analytics, Product, and ML Platform to define requirements, evaluate tradeoffs, and communicate results clearly to both technical and non-technical audiences.
Requirements
You have a total of 2+ years of experience as a machine learning engineer or a PhD in a relevant field.
Strong Python skills and experience writing production-quality code.
Experience building and evaluating models for tabular classification problems (preferably gradient-boosted decision trees like LightGBM/XGBoost/CatBoost, or similar).
Experience with a deep learning framework (PyTorch preferred).
Experience working with distributed data processing or parallel compute frameworks (Spark preferred; Ray/Dask or similar).
Experience with ML lifecycle tooling for training orchestration, experimentation, and model monitoring (e.g., Kubeflow, Airflow, MLflow, or equivalent internal platforms).
Proficient in using AI-powered developer tools (e.g., Claude Code, Cursor, or similar) to accelerate iteration, debugging, and code quality as part of day-to-day development workflows.
You have mastered taking a simple problem or business scenario into a solution that interacts with multiple software components, and executing on it by writing clear, easily understood, well tested and extensible code.
You are comfortable navigating a large code base, debugging others' code, and providing feedback to other engineers through code reviews.
Your experience demonstrates that you take ownership of your growth, proactively seeking feedback from your team, your manager, and your stakeholders.
You have strong verbal and written communication skills that support effective collaboration with our global engineering team.
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
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