Full-Time

Machine Learning Engineer II

ML Fraud

Confirmed live in the last 24 hours

Affirm

Affirm

1,001-5,000 employees

Provides buy now, pay later financing solutions

Fintech
Financial Services

Compensation Overview

$142k - $210kAnnually

+ Equity Rewards + Monthly Stipends

Mid

Remote in USA

Category
Applied Machine Learning
AI & Machine Learning
Required Skills
Python
Pytorch
Apache Spark
Pandas
NumPy
Requirements
  • 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 gradient boosting, online learning, and deep learning. Domain knowledge in fraud risk is a plus
  • Strong programming skills in Python
  • Experience using large scale distributed systems like Spark and Ray
  • Experience using machine learning frameworks such as scikit-learn, pandas, numpy, xgboost, and pytorch
  • 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!
  • This position requires either equivalent practical experience or a Bachelor’s degree in a related field
Responsibilities
  • Use Affirm’s proprietary and other third party data to develop machine learning models that predict the likelihood of fraud. These models will protect victims’ identities from being stolen, prevent Affirm from incurring financial loss, and increase the trust that consumers and partners have in the Affirm ecosystem.
  • Partner with the ML platform team to build fraud specific ML infrastructure
  • Research ground breaking solutions and develop prototypes that drive the future of fraud decisioning at Affirm
  • Implement and scale data pipelines, new features, and algorithms that are essential to our production models
  • Collaborate with the engineering, fraud, and product teams to define requirements for new products
  • Develop fraud models to maximize user conversion while minimizing fraud losses and data costs.

Affirm provides point-of-sale financing solutions as an alternative to traditional credit cards. It allows consumers to make purchases and pay over time through installment plans, often without hidden fees or deferred interest. Affirm partners with merchants to integrate its payment options into online and in-store shopping experiences, using user-friendly plugins and APIs. The company earns revenue from interest and fees on loans to consumers, as well as from merchants who pay to offer these financing options. Affirm also offers a merchant dashboard for transaction processing and promotional tools to help businesses market their financing solutions. The goal of Affirm is to empower consumers with flexible payment options while providing value to merchants in the e-commerce and retail markets.

Company Stage

IPO

Total Funding

$1.1B

Headquarters

San Francisco, California

Founded

2012

Growth & Insights
Headcount

6 month growth

4%

1 year growth

6%

2 year growth

-11%
Simplify Jobs

Simplify's Take

What believers are saying

  • Affirm's partnerships with major brands and events, like the Austin Marathon, enhance its visibility and consumer trust.
  • The company's IPO and subsequent market performance indicate strong investor confidence and growth potential.
  • Affirm's integration with Apple's new installment loan offerings could significantly expand its user base and market reach.

What critics are saying

  • New CFPB regulations could impose additional compliance costs and operational burdens on Affirm, affecting profitability.
  • Data breaches, such as the recent Evolve Bank incident, pose significant risks to consumer trust and data security.

What makes Affirm unique

  • Affirm's seamless integration with both online and in-store shopping experiences sets it apart from other BNPL providers who may focus solely on e-commerce.
  • The dual revenue stream from both consumer interest/fees and merchant fees provides a robust financial model, unlike competitors who may rely on a single revenue source.
  • Affirm's user-friendly plugins and APIs make it easier for merchants to adopt their payment solutions, reducing technical barriers to entry.

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Benefits

Spending wallets: Access tech, food, lifestyle, and family planning wallets for your expenses

Supportive communities: Get involved with our employee resource groups and community groups

Remote-first workforce: If your role is remote, you can set up shop anywhere in your home country

Generous time off: Take the time you need when life happens

Health benefits: Get a plan that fits your needs

Mental healthcare: Take care of your mind with great mental health programs

Parental leave: Birth and non-birth parents get 18 weeks paid leave. Plus, a 4-week return-to-work transition program, at full base pay.

Compensation: We have a simple, flexible, and transparent remote-first compensation structure so you can make the best decisions for yourself and your family.

Away days: We offer 24 company-wide paid days off—which help our teams collectively pause to recharge.

Learning & development: Engage in exciting learning programs to level up your growth.