Machine Learning Engineer II (Underwriting ML)

Affirm
United States, Canada
Workplace: RemoteFull timeUSD 146,000 - 225,000 annuallyFunction: Data Science & Machine LearningExperience: 2+ yearsEducation: bachelorsSkills: ["Ownership","Communication","Collaboration","Code review","Problem-solving"]

Build and improve underwriting machine learning systems that make real-time transaction decisions for every Affirm checkout. Develop tabular and sequential prediction models, create feature pipelines and training datasets, and run offline experiments with risk controls to productionize the best approaches. Support model reliability, latency, and robustness, and monitor model/data health with retraining workflows. Collaborate with Engineering, Risk Analytics, Product, and ML Platform to deliver measurable outcomes.

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Affirm
Affirm
1 day ago

Machine Learning Engineer II (Underwriting ML)

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Source: Company careers pageValidated by: Fursa AI
Last checked: 3 hours agoStatus: Live

Job Summary

Build and improve underwriting machine learning systems that make real-time transaction decisions for every Affirm checkout. Develop tabular and sequential prediction models, create feature pipelines and training datasets, and run offline experiments with risk controls to productionize the best approaches. Support model reliability, latency, and robustness, and monitor model/data health with retraining workflows. Collaborate with Engineering, Risk Analytics, Product, and ML Platform to deliver measurable outcomes.
Location: United States, Canada
Workplace: Remote
Employment Type: Full time
Job Function: Data Science & Machine Learning
Seniority: Mid level

Key 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 drive best approaches into production with risk controls.
  • •Productionize models by integrating into batch and/or real-time decision systems while improving reliability and latency.
  • •Instrument and monitor model and data health and help define retraining/backtesting workflows.

Pay and Benefits

Salary: USD 146,000 - 225,000 annually
Equity and Bonus:Equity
Perks:Health InsuranceDentalVisionRemote WorkEspp

Key Requirements

  • •2+ years of experience as a machine learning engineer or a PhD in a relevant field.
  • •Strong Python skills and experience writing production-quality code.
  • •Experience building and evaluating classification models, preferably gradient-boosted decision trees (LightGBM/XGBoost/CatBoost or similar).
  • •Experience with a deep learning framework (PyTorch preferred).
  • •Experience with distributed data processing/parallel compute (Spark preferred; Ray/Dask or similar) and ML lifecycle tooling for training, experimentation, and model monitoring.
Experience:2+ yearsMachine learningCredit underwriting
Education:Bachelor's
Skills:OwnershipCommunicationCollaborationCode reviewProblem-solving
Tech Stack:PythonLightGBMXGBoostCatBoostPyTorchSparkRayDaskKubeflowAirflowMLflowClaude CodeCursor

Company Brief

Affirm
Provides point-of-sale lending and buy-now-pay-later (BNPL) solutions for consumers and merchants, enabling installment payments, consumer financing, and embedded financial services through APIs and partnerships with retailers and platforms.
Industry: Lending
Company Size: Enterprise (1,001+ employees)
Revenue: USD 1B+
Growth: Public Company
Valuation: Public Company (Market Cap in USD)
Funding: IPO / Publicly Listed
Headquarters: San Francisco, United States
Founded: 2012
WebsiteLinkedIn