Position:
Machine Learning Engineer II (Underwriting ML)
Company:
Affirm
Compensation:
USA base pay range (CA, WA, NY, NJ, CT) per year: $165,000 - $225,000
USA base pay range (all other U.S. states) per year: $146,000 - $206,000
Location:
United States, Remote
Employment type:
Full-time
Work Arrangement:
Remote
Short Summary:
Affirm is reinventing credit to make it more honest and friendly. As part of the Underwriting ML team, you will build and improve machine learning systems for real-time transaction decisions, assessing repayment risk and expected value at Affirm checkouts.
Responsibilities:
- Develop and iterate on underwriting prediction models for tabular and sequential data.
- Build and scale feature pipelines and training datasets from proprietary and third-party signals.
- Prototype new modeling ideas and features, run offline experiments, and drive the best-performing approaches into production.
- Help productionize models: integrate into decision systems, and improve reliability and operational robustness.
- Monitor model and data health, and define retraining/backtesting workflows.
- Collaborate across Engineering, Risk Analytics, Product, and ML Platform to define requirements and communicate results.
Requirement:
- 2+ years of experience as a machine learning engineer or a PhD in a relevant field.
- Strong Python skills and experience writing production-quality code.
- Experience with classification models (preferably gradient-boosted decision trees).
- Familiarity with deep learning frameworks (PyTorch preferred).
- Experience with distributed data processing or parallel compute frameworks (Spark preferred).
- Proficient in ML lifecycle tooling for training orchestration and model monitoring.
- Strong verbal and written communication skills.
Benefits:
- Health care coverage with all premiums covered for you and your dependents.
- Flexible Spending Wallets for Technology, Food, and Lifestyle needs.
- Competitive vacation and holiday schedules.
- Employee stock purchase plan at a discount.