Affirm

Machine Learning Engineer II (Underwriting ML)

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2 months ago
Remote, United StatesMid Level
H1B sponsor

Base Salary

$146k - $225k/yr

Responsibilities

  • Develop and iterate on underwriting prediction models for tabular and sequential data.
  • Build and scale feature pipelines and training datasets using proprietary and third-party signals.
  • Prototype modeling ideas, run offline experiments, and move high-performing approaches into production with risk controls.
  • Integrate models into batch and real-time decision systems while improving reliability, latency, and operational robustness.
  • Instrument and monitor model and data health and help define retraining and backtesting workflows.
  • Collaborate with Engineering, Risk Analytics, Product, and ML Platform to define requirements, evaluate tradeoffs, and communicate results.

Requirements

  • At least 2 years of machine learning engineering experience or a PhD in a relevant field.
  • Equivalent practical experience or a bachelor’s degree in a related field is required.
  • Strong Python skills and experience writing production-quality code.
  • Experience building and evaluating classification models, preferably with LightGBM, XGBoost, CatBoost, or similar methods.
  • Experience with a deep learning framework, preferably PyTorch.
  • Experience with distributed data processing or parallel compute frameworks such as Spark, Ray, or Dask.
  • Experience with ML lifecycle tooling for training orchestration, experimentation, and model monitoring, such as Kubeflow, Airflow, or MLflow.
  • Proficiency with AI-powered developer tools such as Claude Code or Cursor.
  • Ability to design solutions spanning multiple software components and write clear, well-tested, extensible code.
  • Ability to navigate large codebases, debug others’ code, and provide code review feedback.
  • Strong verbal and written communication skills for collaboration with global engineering teams.

Benefits

  • Remote-first work arrangement, with most roles remote within the country of employment.
  • Affirm covers all health care premiums for employees and dependents, including medical, dental, and vision coverage.
  • Flexible Spending Wallets provide stipends for technology, food, lifestyle needs, and family-forming expenses.
  • Competitive vacation and holiday time-off schedules.
  • Employee stock purchase plan with discounted shares.
  • Reasonable interview accommodations are available for candidates with disabilities.

Tech Stack

Apache AirflowApache SparkLightGBMMLflowPythonPyTorchXGBoost

Categories

Data EngineeringML Engineering
Affirm

About Affirm

1,001-5,000 employees

Affirm provides buy now, pay later installment financing at online and in-store checkout, along with a consumer app and virtual card, for shoppers and merchants. It monetizes through merchant fees and interest on select loans, with no late fees. Founded in 2012 and headquartered in San Francisco, Affirm is a public company listed on NASDAQ that powers payments for thousands of ecommerce retailers.

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