Manager, Machine Learning Engineering (Repayment & Recovery)

Affirm; United States; On-site; USD 142,000 - 190,000; Full time

Benefits offered by this job

100% subsidised medical coverage

Generous stipends for health and tech

Competitive vacation and holiday schedules

Employee stock purchase plan

Job summary

Affirm is looking for a Machine Learning Engineering Manager to oversee a team focused on repayment and recovery models. This position involves shaping ML strategies and collaborating with cross-functional teams to implement advanced solutions.

The ideal candidate will have a strong background in machine learning, particularly in credit or lending, and at least eight years of industry experience. Affirm offers competitive benefits including health coverage and a flexible spending wallet.

Qualifications

• 8+ years of industry experience, including 3+ years managing engineers.
• Hands-on experience in post-origination modeling — collections, repayment, recovery, loss mitigation.
• Proficiency in machine learning techniques and frameworks.

Responsibilities

• Set technical strategy for the team aligning it with business projects.
• Collaborate with product management, design, analytics, and risk teams.
• Mentor engineers and provide technical guidance.

Skills

Machine learning

Tree-based models

Deep learning

Technical leadership

Financial services knowledge

Education

Bachelor's in a technical field

Job description

Manager, Machine Learning Engineering (Repayment & Recovery)

Remote UK

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 Affirms Repayment & Recovery machine learning group as a Machine Learning Engineering Manager. You will manage a team of ML engineers building models that power the post‑origination side of the credit lifecycle, using novel ML techniques and rich data representations to predict repayment behaviour, prioritise and personalise collections, and minimise loss after a loan is originated.

In this role, you will help shape the future of machine learning at Affirms. You’ll partner with engineering, product, and risk leaders to design, implement, and scale advanced ML solutions that drive critical capabilities across the company. You will mentor engineers, bring clarity to complex, ambiguous problems, and contribute to a cohesive long‑term ML strategy.

What You’ll Do

• Set the technical strategy for your team and align it with business‑impacting projects across repayment, collections, recovery, and loss mitigation.
• Act as a force‑multiplier through the definition and advocacy of technical solutions and operational processes.
• Collaborate across teams in the product development lifecycle by partnering with product management, design, analytics, and risk to ensure technical sustainability, risks and trade‑offs are well understood and managed.
• Develop talent by providing feedback and guidance, and leading by example.

What We Look For

• Bachelor's in a technical field with 8+ years of industry experience, including 3+ years managing engineers.
• A background in financial services, specifically in credit/lending, with hands‑on experience in post‑origination modeling — collections, repayment, recovery, loss mitigation, early‑warning or behavioural risk, or similar.
• Proficiency in machine learning with experience in tree‑based models, transformers, deep learning, and agentic ML.
• Strong engineering skills and the ability to provide hands‑on technical leadership while working with our code and architecture.
• You thrive in ambiguity and are comfortable moving from low‑level language idioms to the architecture of large systems to understand how they work.
• This position requires either equivalent practical experience or a Bachelor's degree in a related field.

Benefits

Base pay range per year: £142,000‑£190,000. Base pay is part of a total compensation package that may include equity rewards, monthly stipends for health, wellness, and tech spending, and benefits including 100% subsidised medical coverage, dental and vision for you and your dependents.

• Health care coverage – Signature covers all premiums for all levels of coverage for you and your dependents.
• Flexible Spending Wallets – Generous stipends for technology, food, lifestyle needs, and family‑forming expenses.
• Time off – Competitive vacation and holiday schedules allowing you to rest and recharge.
• ESPP – An employee stock purchase plan enabling you to buy shares of Affirms at a discount.

We believe it’s On Us to provide an inclusive interview experience for all, including people with disabilities. We are happy to provide reasonable accommodations to candidates in need of individualized support during the hiring process.

Affirm respects all applicable privacy and fair‑chance statutes. All candidates will receive equal opportunity employment.