Machine Learning Engineer II developing production ML models for Affirm’s pay-over-time platform. Building credit decisioning systems, scalable pipelines, and algorithms that predict default and guide approvals.
Responsibilities
Develop machine learning models using proprietary and third-party data to predict default likelihood and make approval or decline decisions
Partner with platform and product engineering teams to build model training, decisioning, and monitoring systems
Research solutions and develop prototypes for credit decisioning
Implement and scale data pipelines, features, and algorithms for production models
Collaborate with engineering, credit, and product teams to define requirements for new products
Requirements
2+ years of experience as a machine learning engineer or PhD in a relevant field
Proficiency in machine learning, including Generalized Linear Models, Gradient Boosting, Deep Learning, and Probabilistic Calibration
Strong engineering skills in Python
Data manipulation skills such as SQL
Experience with large-scale distributed systems such as Spark or Ray
Experience with scikit-learn, pandas, NumPy, XGBoost, and Kubeflow
Experience developing machine learning models at scale from inception to business impact
Excellent written and oral communication skills
Ability to drive cross-functional requirements with product and engineering teams
Ability to present technical concepts and results appropriately
Domain knowledge in credit risk is a plus
Benefits
Monthly stipends for health, wellness and tech spending
100% subsidized medical coverage for employees and dependents
Dental and vision coverage for employees and dependents
Flexible time off
Generous holiday calendars
Employee stock purchase plan (ESPP) to buy Affirm stock at a discount
Remote-first flexibility
In-person onboarding experience
Inclusive interview process and accommodations for candidates with disabilities
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