Machine Learning Engineer II (ROA + LTV ML)

About this role

At Affirm, we exist for the moments that matter—giving people a clear, predictable way to pay over time, with no hidden fees, no surprises, and no tradeoffs on what matters most. 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 - L Equity Grade - 5 Employees new to Affirm typically come in at the start of the pay range.