Affirm’s Machine Learning team solves problems critical to our business model - personalizing shopping experiences, optimizing repayment communications, detecting fraud, optimizing interest rates, and assessing creditworthiness in real time. Our innovative products necessitate the creation of novel machine learning solutions to drive both existing and new products.

The Billing ML team focuses on loan-centric user experiences after a customer takes up an Affirm loan.  We support the management of a high-performing loan portfolio through well-designed and user-centric streams of reminders and communications across the lives of each user’s loans.  Together with the initial credit underwriting decision, this post-loan optimization allows us to both select the right loans to give as well as help users pay them off successfully.

What you'll do

• Use Affirm’s data to develop machine learning models that optimize our post-loan communications flow
• Build financial forecasting applications for Affirm’s two-sided marketplace
• Research ground breaking solutions and develop prototypes that drive the future of decisioning at Affirm
• Implement and scale data pipelines, new features, and algorithms that are essential to our production models
• Collaborate with the engineering, quantitative markets, merchant pricing, and product teams to define requirements for new products
• Evaluate new data sources to use in a cost-effective way in our models to add value

What we look for

• Bachelors in a technical field with 8+ years of industry experience. Relevant PhD can count for up to 2 YOE.
• Proficiency in machine learning with experience in areas such as gradient boosting, deep learning, graph based modeling, and calibration.  
• Strong programming skills in Python.
• Experience using large scale distributed data processing systems like Spark
• Experience using machine learning frameworks such as scikit-learn, pandas, numpy, xgboost, pytorch, and mllib
• Experience with Kubernetes, Docker, Kafka, Flink, and Airflow is a plus
• 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 great sense of responsibility – we build the decision making that enables consumers and partners to place their trust in Affirm!