Join the Affirm team as a Machine Learning Engineer II 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 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 - USA 29

Employees new to Affirm or promoted into a new role, typically begin in the min to mid range.

USA base pay range (CA, WA, NY, NJ, CT) per year:

Min: $138,800
Mid: $173,500
Max: $208,200

USA base pay range (all other U.S. states) per year:

Min: $124,900
Mid: $156,100
Max: $187,300

Location: Remote - US

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