Machine Learning Engineer II – Underwriting ML

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Affirm

WebsiteLinkedInAll Job Openings

1001 - 5000 employees

Founded 2012

💳 Fintech

👥 B2C

🛍️ eCommerce

💰 Post-IPO Equity on 2021-01

Fintech • B2C • eCommerce

Affirm is a financial technology company that offers a 'Buy Now, Pay Later' service, allowing consumers to make purchases and pay for them over time with flexible payment plans. Affirm eliminates hidden fees and compound interest, providing clear terms and conditions for its users. The company also offers the Affirm Card, a debit card that allows users to request to pay over time for larger purchases or pay in full for smaller ones. Affirm partners with various retailers across multiple categories, including electronics, apparel, and travel, providing customers with the convenience of paying over time at checkout both online and in physical stores. Affirm's services are integrated with Apple Pay, enabling customers to make payments seamlessly from their iPhone or iPad.

📋 Description

• Develop and iterate on underwriting prediction models for tabular and sequential data • Build and scale feature pipelines and training datasets using proprietary and third-party signals • Prototype modeling ideas and features, run offline experiments, and move strong approaches into production with risk controls • Productionize models in batch and/or real-time decision systems • Improve model reliability, latency, and operational robustness • Instrument and monitor model and data health • Help define retraining and backtesting workflows • Collaborate with Engineering, Risk Analytics, Product, and ML Platform • Define requirements, evaluate tradeoffs, and communicate results to technical and non-technical audiences

🎯 Requirements

• 2+ years of experience as a machine learning engineer or a PhD in a relevant field • Strong Python skills and production-quality coding experience • Experience building and evaluating classification models • Experience with gradient-boosted decision trees such as LightGBM, XGBoost, or CatBoost, or similar • Experience with a deep learning framework; PyTorch preferred • Experience with distributed data processing or parallel compute frameworks; Spark preferred, Ray/Dask or similar • Experience with ML lifecycle tooling for training orchestration, experimentation, and model monitoring, such as Kubeflow, Airflow, or MLflow • Proficiency using AI-powered developer tools such as Claude Code or Cursor • Ability to turn business scenarios into solutions spanning multiple software components • Clear, well-tested, extensible coding practices • Ability to navigate large codebases, debug others' code, and provide code-review feedback • Strong verbal and written communication skills • Equivalent practical experience or a Bachelor’s degree in a related field

🏖️ Benefits

• Monthly stipends for health, wellness and tech spending • 100% subsidized medical coverage, dental and vision for you and your dependents • Health care coverage with all premiums covered for all levels of coverage for you and your dependents • Flexible Spending Wallets with stipends for Technology, Food, Lifestyle needs, and family forming expenses • Competitive vacation and holiday schedules • ESPP enabling employees to buy Affirm shares at a discount • Reasonable accommodations during the hiring process