Machine Learning Engineer II (ROA + LTV ML)

Affirm, Inc.; United States; On-site; USD 94,000 - 129,000; Full time

Benefits offered by this job

Health coverage

Tech stipends

Flexible time off

ESPP stock

Job summary

Affirm, Inc. is seeking a Machine Learning Engineer to develop production-ready models predicting default and to drive credit decisioning.

You will partner with platform and product teams to train, deploy, and monitor models, while scaling data pipelines and features for production use. The role emphasizes cross-functional collaboration, strong Python/SQL skills, and experience with large-scale systems like Spark or Ray.

Qualifications

• 2+ years of ML engineering experience or PhD in a relevant field.
• Proficiency in ML with GLMs, gradient boosting, deep learning, and probabilistic calibration.
• Domain knowledge in credit risk is a plus

Responsibilities

• Develop production ML models to predict default and inform approval decisions.
• Collaborate with platform, product, and data teams to train, monitor, and deploy models.
• Research and prototype solutions to advance credit decisioning at Affirm.
• Scale data pipelines and features for production models.
• Define requirements for new ML-powered products with cross-functional teams

Skills

Python

SQL

Distributed systems

ML model development

Credit risk knowledge

Education

PhD in a relevant field

Tools

Spark

Ray

scikit-learn

pandas

NumPy

XGBoost

Kubeflow

Job description

At Affirms 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. 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!

What you'll do

• 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

What we look for

• 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!

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).

CAN base pay range per year:

$133,000 - $183,000

Location - Remote Canada

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.

#LI-Remote Remote‑first with flexibility built in

affirm is proud to be a remote‑first company. Most roles can be done from almost anywhere within the country of employment. Some positions may occasionally require in‑person work at an affirm office, and a few are office‑based due to the nature of the work. All new hires will be invited to attend an in‑person onboarding experience.

Benefits designed for you

• 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.

We’re committed to providing an inclusive interview process, including accommodations for candidates with disabilities. If you need support, we’re happy to help.

For positions based in San Francisco or Los Angeles: affirm considers qualified applicants with arrest and conviction records, as required by law.