Affirm’s Portfolio ML team is looking for an exceptional machine learning engineer to build the next generation of credit opportunity management models.  Sitting at the intersection of credit policy and consumer product, this role will work within a highly cross-functional and diverse set of work-streams that contribute directly to profitability.  From choosing which users to engage for repeat, finding the optimal value propositions to present them, and owning unit economics libraries, the Portfolio ML team’s focus spans the entire customer lifecycle including re-engagement.  The team is relatively new and has a number of greenfield initiatives in its mandate, an exceptional group of ICs, and strong Product leaders in partnership.

What You'll Do

Use Affirm’s proprietary and other third party data to develop machine learning models that manage and optimize the flow of loan opportunities across Affirm-owned and -operated properties

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 portfolio 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

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, portfolio management, learning to rank, and personalization is a plus

Strong engineering skills in Python and data manipulation skills like SQL

Experience using distributed systems like Spark or Ray is a plus

Experience using open source projects and software such as scikit-learn, pandas, NumPy, XGBoost, Kubeflow

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!

Base Pay Grade - N
Equity Grade - 8

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 equity rewards, monthly stipends for health, wellness and tech spending, and benefits (including 100% subsidized medical coverage, dental and vision for you and your dependents.)

USA base pay range (CA, WA, NY, NJ, CT) per year: $190,000 - $240,000
USA base pay range (all other U.S. states) per year: $169,000 - $219,000

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