Full-Time

Machine Learning Engineer II

ML, Credit ML

Confirmed live in the last 24 hours

Affirm

1,001-5,000 employees

Offers buy now, pay later services

Financial Services

Consumer Goods

Data & Analytics

Compensation Overview

$105,300 - $157,900Annually

+ Employee Stock Purchase Plan

Mid

Remote in Canada

Required Skills

Python

Data Structures & Algorithms

Apache Spark

SQL

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 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

Responsibilities

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

Affirm is reinventing credit to make it more honest and friendly, giving consumers the flexibility to buy now and pay later without any hidden fees or compounding interest.

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 - CAN 29

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

CAN base pay range per year:

Min: $105,300

Mid: $131,600

Max: $157,900

Location - Remote Canada

#LI-Remote

Affirm is proud to be a remote-first company! The majority of our roles are remote and you can work almost anywhere within the country of employment. Affirmers in proximal roles have the flexibility to work remotely, but will occasionally be required to work out of their assigned Affirm office. A limited number of roles remain office-based due to the nature of their job responsibilities.

We’re extremely proud to offer competitive benefits that are anchored to our core value of people come first. Some key highlights of our benefits package include:

Health care coverage - Affirm covers all premiums for all levels of coverage for you and your dependents
Flexible Spending Wallets - generous stipends for spending on Technology, Food, various Lifestyle needs, and family forming expenses
Time off - competitive vacation and holiday schedules allowing you to take time off to rest and recharge
ESPP - An employee stock purchase plan enabling you to buy shares of Affirm at a discount

We believe It’s On Us to provide an inclusive interview experience for all, including people with disabilities. We are happy to provide reasonable accommodations to candidates in need of individualized support during the hiring process.

[For U.S. positions that could be performed in Los Angeles or San Francisco] Pursuant to the San Francisco Fair Chance Ordinance and Los Angeles Fair Chance Initiative for Hiring Ordinance, Affirm will consider for employment qualified applicants with arrest and conviction records.

By clicking "Submit Application," you acknowledge that you have read the Affirm Employment Privacy Policy for applicants within the United States, the EU Employee Notice Regarding Use of Personal Data (Poland) for applicants applying from Poland, the EU Employee Notice Regarding Use of Personal Data (Spain) for applicants applying from Spain, or the Affirm U.K. Limited Employee Notice Regarding Use of Personal Data for applicants applying from the United Kingdom, and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.

Affirm

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Website

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Affirm stands out as an excellent workplace due to its dedication to creating transparent financial products that improve consumer lives. Operating at the forefront of the 'buy now, pay later' sector, the company not only offers an innovative payment solution but also prioritizes a tech-forward approach by leveraging JavaScript, ensuring its team is always working with cutting-edge technology in the financial industry.

Company Stage

IPO

Total Funding

$2.9B

Headquarters

San Francisco, California

Founded

2012

Growth & Insights

Headcount

6 month growth

↑ 1%

1 year growth

↓ -1%

2 year growth

↓ -3%

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.