Senior Machine Learning Engineer, Underwriting

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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.

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

What you'll do

  • Use Affirm’s data to develop machine learning models that optimize decision making in fraud and underwriting
  • Build models that create a two-sided, recommendations-driven Affirm marketplace
  • Research ground breaking solutions and develop prototypes that drive the future of decisioning at Affirm
  • Implement 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
  • Evaluate new data sources to use in a cost-effective way in our models to add value

What we look for

  • B.S. with 5+ years of industry experience, M.S. with 3+ years, or PhD with 2+ years
  • Proficiency in machine learning with experience in areas such as gradient boosting, decision trees, regression, and unsupervised learning
  • Strong programming skills in a scientific computing language such as Python. Experience using frameworks for machine learning and data science like scikit-learn, pandas, numpy
  • 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 and patience and a great sense of responsibility - we create the decisioning that drives the business!

Location

 

“We’re excited to announce that Affirm is now a remote-first company! This role can be located anywhere in the U.S. Remote based employees may occasionally travel to an Affirm office for meetings or team building events. Our offices in San Francisco, New York City, Pittsburgh, Chicago, and Salt Lake City will remain operational and accessible for anyone to use on a voluntary basis.”

 

#LI-Remote

 

Affirm is proud to be a remote-first company! Employees in remote roles have the option of working remotely or from an Affirm office in their country of hire, and may occasionally travel to an Affirm office or elsewhere for required meetings or team-building events. Our offices in Chicago, New York, Pittsburgh, Salt Lake City, San Francisco and Toronto will remain operational and accessible for anyone to use on a voluntary basis, subject to local COVID-19 guidelines.

 

Check out our remote-first approach to learn more about the new ways we work.

 

If you got this far, we hope you're feeling excited about this role. Even if you don't feel you meet every single requirement, we still encourage you to apply. We're eager to meet people who believe in Affirm's mission and can contribute to our team in a variety of ways—not just candidates who check all the boxes.

At Affirm, People Come First is one of our core values, and that’s why diversity and inclusion are vital to our priorities as an equal opportunity employer. You can read about our D&I program here and our progress thus far in our 2020 DEI Report.

We also 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.

By clicking "Submit Application," you acknowledge that you have read the Affirm Employment Privacy Policy, or the Affirm Employment Privacy Notice (EU) for applicants applying from the European Union, and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of my personal information as described therein.

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Location

Affirm is a remote-first company! Our brick and mortar offices remain operational and accessible for anyone to use on a voluntary basis.

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