Senior Machine Learning Engineer, Checkout Underwriting

Join the Affirm team as a Senior Machine Learning Engineer and contribute to the success of our ML Underwriting team. We are the driving force behind Affirm's core value proposition, leveraging cutting-edge machine learning to assess creditworthiness throughout the life cycle of loan applications. 

As a Senior 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

• 6+ years of experience as a machine learning engineer. Relevant PhD can count for up to 2 YOE

• 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

• Experience with Kubernetes, Docker, and Airflow is a plus

• 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

• This position requires either equivalent practical experience or a Bachelor’s degree in a related field

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.
Base pay is part of a total compensation package that may include equity rewards, monthly stipends for health, wellness and tech spending, and benefits (including 100% subsidized medical coverage, dental and vision for you and your dependents.)
USA base pay range (CA, WA, NY, NJ, CT) per year: $190,000 - $240,000
USA base pay range (all other U.S. states) per year: $169,000 - $219,000
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