Senior Machine Learning Engineer, Fraud ML

🕒 April 21

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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

• You will lead development of new fraud prediction models using a mix of approaches for tabular, graph, and behavioral data • You will build and scale feature pipelines and training datasets from proprietary and third-party signals, partnering with data and platform teams when needed. • You will prototype new modeling ideas and features, run offline experiments, and drive the best-performing approaches into production with appropriate risk controls. • You productionize models: integrate into batch and/or real-time decision systems, and improve reliability, latency, and operational robustness. • You will instrument and monitor model and data health, and help define retraining/backtesting workflows as fraud patterns evolve. • Identify and implement foundational improvements to how the team builds models. • You will collaborate across Engineering, Fraud Analytics, Product, and ML Platform to define requirements, evaluate tradeoffs, and communicate results clearly to both technical and non-technical audiences.

🎯 Requirements

• 6+ years experience researching, training, tuning and launching ML models at scale. Relevant PhD can count for up to 2 years of experience. • Track record of delivering high impact machine learning models in a low latency live setting • Strong Python skills and experience writing production-quality code. • Experience building and evaluating models for tabular classification problems (preferably gradient-boosted decision trees like LightGBM/XGBoost/CatBoost, or similar). • Experience with a deep learning framework (PyTorch preferred). • Experience working 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 (e.g., Kubeflow, Airflow, MLflow, or equivalent internal platforms). • Proficient in using AI-powered developer tools (e.g., Claude Code, Cursor, or similar) to accelerate iteration, debugging, and code quality as part of day-to-day development workflows. • You have mastered taking a simple problem or business scenario into a solution that interacts with multiple software components, and executing on it by writing clear, easily understood, well tested and extensible code. • You are comfortable navigating a large code base, debugging others' code, and providing feedback to other engineers through code reviews. • Your experience demonstrates that you take ownership of your growth, proactively seeking feedback from your team, your manager, and your stakeholders. • You have strong verbal and written communication skills that support effective collaboration with our global engineering team.

🏖️ Benefits

• Health care coverage - Affirm covers all premiums for all levels of coverage for you and your dependents • Flexible Spending Wallets - generous stipends for spending on Technology, Food, various Lifestyle needs, and family forming expenses • Time off - competitive vacation and holiday schedules allowing you to take time off to rest and recharge • ESPP - An employee stock purchase plan enabling you to buy shares of Affirm at a discount