Machine Learning Engineer II (Underwriting ML)

About the role

At Affirm, 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. On the Underwriting ML team, you’ll build and improve machine learning systems that make real-time transaction decisions, assessing the repayment risk and expected value of every Affirm checkout. You’ll work closely with experienced ML engineers, platform partners, and cross-functional stakeholders to take models from idea to prototype to production, and to keep them healthy with strong measurement and monitoring as user behavior and macroeconomic conditions evolve.

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.

Responsibilities

• Develop and iterate on underwriting prediction models using a mix of approaches for tabular and sequential data
• Build and scale feature pipelines and training datasets from proprietary and third-party signals, partnering with data and platform teams when needed
• Prototype new modeling ideas and features, run offline experiments, and drive the best-performing approaches into production with