Machine Learning Engineer II (ROA + LTV ML)

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. 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. 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). CAN base pay range per year: $133,000 - $183,000

Location - Remote Canada 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.

#LI-Remote

Remote-first with flexibility built in 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.

Benefits designed for you Our benefits reflect our commitment to care, transparency, and flexibility. Here are a few highlights:

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