Senior Machine Learning Engineer, ML Underwriting

Senior Machine Learning Engineer, ML 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.

  • 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

Pay Grade - USA30

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: $162,400
Mid: $203,000
Max: $243,500

USA base pay range (all other U.S. states) per year:
Min: $146,100
Mid: $182,700
Max: $219,200



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