Full-Time Staff Machine Learning Engineer

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.

The Portfolio ML team manages and optimizes the flow of loan opportunities across Affirm-owned and operated properties. We build models, tools, and libraries to support portfolio management actions that balance unit economics, product growth, and user experience. We power ROA-based decisioning; real-time and offline conversion rate prediction; counterfactual portfolio simulation; and the valuation of loans. We sit within the Decisions Foundations org.

What You’ll Do

• Set technical strategy for your team on a year-long time scale, and help your team tie it together with critical, business-impacting projects.
• Collaborate across teams in the product development lifecycle by collaborating with product management, design & analytics to ensure technical sustainability, risks and trade-offs are well understood and managed.
• Act as a force-multiplier for your team through your definition and advocacy of technical solutions and operational processes.
• Take ownership of your team’s operations and availability by ensuring you have the right monitoring, triage rotations, playbooks, policies, testing and alerting in place to support “keep the lights on” & on-call efforts.
• Foster a culture of quality and ownership on your team by setting code review and design standards for your team, and advocating for them beyond your team through your writing and tech talks.
• Help develop talent on your team 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. Relevant PhD can count for up to 2 YOE.
• 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 delivering major features, system components or deprecating existing functionality in a system through the definition of a technical and execution plan.
• Write high-quality code that is easily understood and used by others.
• Thrive in ambiguity, and are comfortable moving from low level language idioms all the way to the architecture of large systems to understand how they work.
• Growth and impact trajectory demonstrates that you have mastered gathering and iterating on feedback from your engineering and cross-functional peers.
• Strong verbal and written communication skills that support effective collaboration with our global engineering team.

Location: Remote - US

Base Pay Grade - PEquity Grade - 13

Possible salary: $225,000 - $275,000 (CA, WA, NY, NJ, CT); $200,000 - $250,000 (other US states)

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