Machine Learning Engineer II (ROA + LTV ML)

<div class="content-intro"><p>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.</p></div><div>

<p>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!</p>

<p>What you'll do</p>

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<p>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</p>

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<p>Partner with platform and product engineering teams to build model training, decisioning, and monitoring systems </p>

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<p>Research ground breaking solutions and develop prototypes that drive the future of credit decisioning at Affirm</p>

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<p>Implement and scale data pipelines, new features, and algorithms that are essential to our production models</p>

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<p>Collaborate with the engineering, credit, and product teams to define requirements for new products</p>

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<p>What we look for</p>

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<p>2+ years of experience as a machine learning engineer or PhD in a relevant field</p>

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<p>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</p>

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<p>Strong engineering skills in Python and data manipulation skills like SQL</p>

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<p>Experience using large scale distributed systems like Spark or Ray </p>

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<p>Experience using open source projects and software such as scikit-learn, pandas, NumPy, XGBoost, Kubeflow</p>

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<p>Experience developing machine learning models at scale from inception to business impact</p>

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<p>Excellent written and oral communication skills and the capability to drive cross-functional requirements with product and engineering teams</p>

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<p>The ability to present technical concepts and results in an audience-appropriate way</p>

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<p>Persistence, patience and a strong sense of responsibility – we build the decision making that enables consumers and partners to place their trust in Affirm!</p>

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<p>Pay Grade - L<br>Equity Grade - 5<br><br>Employees new to Affirm typically come in at the start of the pay range. Affirm focuses on providing a simple and transparent pay structure which is based on a variety of factors, including location, experience and job-related skills. <br><br>Base pay is part of a total compensation package that may include monthly stipends for health, wellness and tech spending, and benefits (including 100% subsidized medical coverage, dental and vision for you and your dependents). In addition, the employees may be eligible for equity rewards offered by Affirm Holdings, Inc. (parent company).<br><br>CAN base pay range per year: $133,000 - $183,000</p>

<p><strong>Location - Remote Canada<br></strong>This remote role is open only to candidates residing in Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland and Labrador, Nova Scotia, Ontario, Prince Edward Island, or Saskatchewan.</p>

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<div><strong><span style="font-weight: 400;">#LI-Remote</span></strong></div><div class="content-conclusion"><div>

<p><strong>Remote-first with flexibility built in</strong><strong><br></strong>Affirm is proud to be a remote-first company. Most roles can be done from almost anywhere within the country of employment. Some positions may occasionally require in-person work at an Affirm office, and a few are office-based due to the nature of the work. All new hires will be invited to attend an in-person onboarding experience.</p>

<p><strong>Benefits designed for you</strong><strong><br></strong>Our benefits reflect our commitment to care, transparency, and flexibility. Here are a few highlights:</p>

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<li>Health coverage at no cost: We cover 100% of premiums for employees and their dependents.</li>

<li>Spending stipends: Monthly stipends support your tech setup, and the ability to choose health and wellness options that are right for you.</li>

<li>Time off to recharge: Flexible time off and generous holiday calendars help you rest when you need to.</li>

<li>Own a piece of what you build: Our employee stock purchase plan (ESPP) lets you buy Affirm stock at a discount.</li>

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<p>We’re committed to providing an inclusive interview process, including accommodations for candidates with disabilities. If you need support, we’re happy to help.</p>

<p>For positions based in San Francisco or Los Angeles: Affirm considers qualified applicants with arrest and conviction records, as required by law.</p>

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<p>By clicking "Submit Application," you acknowledge that you have read Affirm's <a href="https://www.affirm.com/global-candidate-privacy-notice" target="_blank">Global Candidate Privacy Notice</a> and consent to the use of your personal information as described.</p>

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