Real-Time Underwriting ML Engineer II — Remote

Affirm; Madison (WI); Remote; USD 146,000 - 225,000; Full time

Benefits offered by this job

100% subsidized medical coverage

Monthly tech stipends

Flexible time off

ESPP stock purchase plan

Job summary

Affirm is a remote-first company building underwriting ML systems to assess repayment risk in real time. On the Underwriting ML team, you’ll develop and productionize models and feature pipelines, collaborating with data, risk analytics, and platform teams to deliver reliable decisions across the checkout flow.

We look for 2+ years in ML engineering, Python proficiency, experience with LightGBM/XGBoost/CatBoost, PyTorch, Spark, and ML lifecycle tools.

Qualifications

• 2+ years of experience as a machine learning engineer or a PhD in a relevant field.
• Strong Python skills and experience writing production-quality code.
• Experience building and evaluating models for classification problems (GBDTs like LightGBM/XGBoost/CatBoost).
• Experience with PyTorch.
• Experience with distributed data processing (Spark).
• Experience with ML lifecycle tooling (Kubeflow, Airflow, MLflow).
• Proficient with AI-powered developer tools to accelerate iteration and code quality.
• Ability to work across a large code base and perform reviews.
• Strong communication and ownership mindset.

Responsibilities

• You will develop and iterate on underwriting prediction models using a mix of approaches for tabular and sequential data.
• You will build and scale feature pipelines and training datasets from proprietary and third-party signals.
• You will prototype new modeling ideas and features, run offline experiments, and productionize best-performing approaches.
• You will help productionize models: integrate into batch and/or real-time decision systems, and improve reliability and latency.
• You will instrument and monitor model and data health, and help define retraining/backtesting workflows.
• You will collaborate across Engineering, Risk Analytics, Product, and ML Platform to define requirements and communicate results clearly.

Skills

Python

Production-quality code

ML modeling

Communication

Education

Bachelor’s degree in a related field

Tools

LightGBM

XGBoost

CatBoost

PyTorch

Spark

Ray

Dask

Kubeflow

Airflow

MLflow

Job description

Affirm is a remote-first company building underwriting ML systems to assess repayment risk in real time. On the Underwriting ML team, you’ll develop and productionize models and feature pipelines, collaborating with data, risk analytics, and platform teams to deliver reliable decisions across the checkout flow.

We look for 2+ years in ML engineering, Python proficiency, experience with LightGBM/XGBoost/CatBoost, PyTorch, Spark, and ML lifecycle tools.