Machine Learning Engineer I

Affirm; Houston (TX); Remote; USD 90,000 - 120,000; Full time

Job summary

Join a leading company as a Machine Learning Engineer and contribute to the success of their ML Underwriting team. You will develop high-quality models to assess creditworthiness and collaborate with various teams to enhance decision-making processes. This remote-first role offers competitive benefits and a transparent pay structure.

Benefits

Health care coverage

Flexible Spending Wallets

Generous vacation and holiday policies

Employee stock purchase plan

Qualifications

• Experience with distributed systems like Spark or Ray is a plus.
• Equivalent practical experience or a Bachelor’s degree in a related field.

Responsibilities

• Develop machine learning models predicting default likelihood.
• Implement and scale data pipelines, features, and algorithms.
• Collaborate with engineering, credit, and product teams.

Skills

Machine Learning

Python

SQL

Communication

Education

Bachelor’s degree in a related field

Tools

scikit-learn

pandas

NumPy

XGBoost

Kubeflow

Spark

Ray

Job description

Join to apply for the Machine Learning Engineer I role at Affirm.

Affirm is reinventing credit to make it more honest and friendly, giving consumers the flexibility to buy now and pay later without any hidden fees or compounding interest.

Join the Affirm team as a Machine Learning Engineer and contribute to the success of our ML Underwriting team. We leverage cutting-edge machine learning to assess creditworthiness throughout the loan application lifecycle. As a Machine Learning Engineer, you will develop high-quality, production-ready models central to our decision-making processes. Your work will shape our financial landscape. If you are passionate about machine learning and enjoy challenging work, Affirm is the place for you!

What you'll do

• Use Affirm’s proprietary and third-party data to develop machine learning models predicting default likelihood and making approval or decline decisions to meet business goals.
• Partner with platform and product engineering teams to build model training, decisioning, and monitoring systems.
• Research innovative solutions and develop prototypes to advance credit decisioning at Affirm.
• Implement and scale data pipelines, features, and algorithms essential for our production models.
• Collaborate with engineering, credit, and product teams to define requirements for new products.

What we look for

• Proficiency in machine learning, including GLMs, Gradient Boosting, Deep Learning, and Probabilistic Calibration. Credit risk domain knowledge is a plus.
• Strong programming skills in Python and SQL.
• Experience with distributed systems like Spark or Ray is a plus.
• Experience with open source tools such as scikit-learn, pandas, NumPy, XGBoost, Kubeflow is a plus.
• Excellent communication skills and ability to drive requirements with cross-functional teams.
• Ability to present technical concepts clearly.
• Persistence, patience, and a strong sense of responsibility.
• Equivalent practical experience or a Bachelor’s degree in a related field.

Pay Grade - J

Equity Grade - USA 5

Affirm offers a transparent pay structure with base salary, potential equity, stipends, and comprehensive benefits, including health coverage, wellness stipends, time off, and stock purchase plans.

This position is remote-first, allowing you to work almost anywhere within the country, with some roles requiring occasional office visits.

Benefits

• Health care coverage—Affirm covers premiums for you and dependents.
• Flexible Spending Wallets for technology, food, lifestyle, and family expenses.
• Generous vacation and holiday policies.
• Employee stock purchase plan at a discount.

We are committed to inclusive hiring and provide accommodations for candidates with disabilities. Qualified applicants with arrest or conviction records will be considered.

By submitting your application, you agree to Affirm's Privacy Notice regarding your personal data.

Additional Details

• Seniority level: Mid-Senior level
• Employment type: Full-time
• Job function: Engineering and IT