Senior Staff Machine Learning Engineer, ML Underwriting

🕒 December 11, 2025

🇺🇸 United States – Remote

💵 $232k - $310k / year

⏰ Full Time

🟠 Senior

🤖 Machine Learning Engineer

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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

• Define and drive multi-year, multi-team technical strategy for machine learning across Affirm, ensuring alignment with company-wide priorities and influencing the roadmaps of partner teams and platforms. • Lead the design, implementation, and scaling of advanced ML systems, setting the architectural direction for complex, cross-functional initiatives and ensuring systems remain reliable, extensible, and prepared for increasingly sophisticated modeling workloads. • Partner deeply with ML Platform, product, engineering, and risk leadership to shape long-term modeling capabilities, define new opportunities for ML impact, and guide infrastructure evolution required for next-generation ML methods. • Provide broad technical leadership across the ML organization, mentoring senior engineers, elevating design and code quality, and spreading ML expertise through documentation, talks, and cross-org guidance. • Drive clarity and alignment on ambiguous, high-stakes technical decisions, resolving cross-team tensions, balancing competing priorities, and exercising judgment optimized for the broader engineering organization. • Champion operational and system excellence at the area level, owning the long-term health, availability, and evolution of critical ML systems, and ensuring robust testing, monitoring, and reliability practices across teams.

🎯 Requirements

• 10+ years of experience researching, designing, deploying, and operating large-scale, real-time machine learning systems, with a proven record of driving technical innovation and delivering measurable business impact. Relevant PhD can count for up to 2 YOE. • Experience leading end-to-end ML system design, from data architecture and feature pipelines to model training, evaluation, and production deployment. Experience with distributed frameworks such as Spark, Ray, or similar large-scale data processing systems. • Proficient in Python and ML frameworks, including PyTorch and XGBoost. Experienced with ML tooling for training orchestration, experimentation, and model monitoring, such as Kubeflow, MLflow, or equivalent internal platforms. • Strong understanding of representation learning and embedding-based modeling. Deep expertise in neural network-based sequence modeling, including architectures such as Transformers, recurrent, or attention-based models, and multi-task learning systems. Comfortable designing and optimizing models that learn from sequential or temporal event data at scale. • Deep hands-on experience with large-scale distributed ML infrastructure, including streaming or batch data ingestion, feature stores, feature engineering, training pipelines, model serving and inference infrastructure, monitoring, and automated retraining. • Provide strong technical leadership: defining long-term strategy, guiding research direction, and aligning work across teams. Recognized as a trusted expert who can drive clarity and execution even in ambiguous problem spaces. • Demonstrate exceptional judgment, collaboration, and communication skills, enabling effective technical discussions with engineers, researchers, and executives. Mentor senior engineers, foster technical excellence, and contribute to a culture of continuous learning. • Strong verbal and written communication skills that support effective collaboration across our global engineering organization. • This position requires equivalent practical experience or a Bachelor’s degree in a related field.

🏖️ 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