Senior ML Model Risk Lead - Remote Underwriting & Credit

Affirm; New York (NY); On-site; USD 255,000 - 315,000; Full time

Benefits offered by this job

Health coverage for you and dependents

Tech stipend

Generous time off

Employee stock purchase plan (ESPP)

Job summary

Affirm is seeking a senior leader to oversee the underwriting and credit risk validation within Model Risk Management. You will mentor a high-performing quantitative team while personally validating complex ML models and collaborating across the company to strengthen the risk framework.

The role requires 9+ years in a technical field, deep ML and credit risk knowledge, and Python/SQL proficiency. This remote-first position offers competitive base pay with comprehensive benefits.

Qualifications

• 9+ years in a highly technical role such as model development, validation, or quantitative analytics.
• Deep understanding of machine learning modeling, underwriting, and credit risk management.
• Proficiency in Python and SQL for data analysis and validation.
• Experience hiring, mentoring, and managing quantitative teams.
• BS/MS/PhD in Statistics, Quantitative Finance, Mathematics or Data Science.
• Strong analytical mindset and ability to communicate complex concepts clearly.

Responsibilities

• Lead underwriting and credit risk validation sector with strategic direction.
• Hands-on model validation across sophisticated ML models.
• Technical reviews of data integrity and model performance.
• Identify weaknesses and drive remediation with owners and developers.
• Enhance the enterprise MRM framework with cross-functional partners.
• Coordinate with Accounting, Internal Controls and Compliance teams.

Skills

Model validation

Machine learning

Python

SQL

Leadership

Communication

Education

Quantitative degree

Job description

Affirm is seeking a senior leader to oversee the underwriting and credit risk validation within Model Risk Management. You will mentor a high-performing quantitative team while personally validating complex ML models and collaborating across the company to strengthen the risk framework.

The role requires 9+ years in a technical field, deep ML and credit risk knowledge, and Python/SQL proficiency. This remote-first position offers competitive base pay with comprehensive benefits.