Machine Learning Engineer II (ROA + LTV ML)

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.

As a Machine Learning Engineer on our team, you will be at the forefront of developing high-quality, production-ready models that play a central role in our decision-making processes. Your contributions will be instrumental in shaping our financial landscape. If you have a strong interest in machine learning and enjoy challenging work, Affirm is the place for you!

What you'll do

• Use Affirm’s proprietary and other third party data to develop machine learning models that predict the likelihood of default and make an approval or decline decision to achieve business objectives

• 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 credit 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

• 2+ years of experience as a machine learning engineer or PhD in a relevant field

• 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 is a plus

• Strong engineering skills in Python and data manipulation skills like SQL

• Experience using large scale distributed systems like Spark or Ray

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

• Experience developing machine learning models at scale from inception to business impact

• 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!

• Pay Grade - L

• Equity Grade - 5

• 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 monthly stipends for health, wellness and tech spending, and benefits (including 100% subsidized medical coverage, dental and vision for you and your dependents). In addition, the employees may be eligible for equity rewards offered by Affirm Holdings, Inc. (parent company).

• CAN base pay range per year: $133,000 - $183,000

• Location - Remote Canada

• This remote role is open only to candidates residing in Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland and Labrador, Nova Scotia, Ontario, Prince Edward Island, or Saskatchewan.

• #LI-Remote

• Remote-first with flexibility built in

• 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.

• Benefits designed for you Our benefits reflect our commitment to care, transparency, and flexibility. Here are a few highlights:

• Health coverage at no cost: We cover 100% of premiums for employees and their dependents.

• Spending stipends: Monthly stipends support your tech setup, and the ability to choose health and wellness options that are right for you.

• Time off to recharge: Flexible time off and generous holiday calendars help you rest when you need to.

• Own a piece of what you build: Our employee stock purchase plan (ESPP) lets you buy Affirm stock at a discount.

• We’re committed to providing an inclusive interview process, including accommodations for candidates with disabilities. If you need support, we’re happy to help.

• For positions based in San Francisco or Los Angeles: Affirm considers qualified applicants with arrest and conviction records, as required by law.

• By clicking "Submit Application," you acknowledge that you have read Affirm's Global Candidate Privacy Notice and consent to the use of your personal information as described.