Machine Learning Engineer II (ROA + LTV ML)

📋 Job Overview

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.

🏢 About Affirm

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!

🎯 The Role

What you'll do

✅ Key Responsibilities

• 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

📌 Required Qualifications

• 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!

🎁 Benefits

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).

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.
Spending stipends: Monthly stipends support your tech setup, and the ability to choose health and wellness options that are right for you.
Time off to recharge: Flexible time off and generous holiday calendars help you rest when you need to.
Own a piece of what you build: Our employee stock purchase plan (ESPP) lets you buy Affirm stock at a discount.

🛂 Visa & Eligibility

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.