Staff Machine Learning Engineer (ML Portfolio)

Position Overview

• Location Type: Remote - US
• Job Type: Full-time
• Salary:
  • USA base pay range (CA, WA, NY, NJ, CT) per year: $225,000 - $275,000
  • USA base pay range (all other U.S. states) per year: $200,000 - $250,000

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.

Responsibilities

• Set technical strategy for the team on a year-long time scale and tie it to critical, business-impacting projects.
• Collaborate across teams in the product development lifecycle with product management, design & analytics to ensure technical sustainability, risks, and trade-offs are well understood and managed.
• Act as a force-multiplier for the team through the definition and advocacy of technical solutions and operational processes.
• Take ownership of team operations and availability by ensuring the right monitoring, triage rotations, playbooks, policies, testing, and alerting are in place to support “keep the lights on” & on-call efforts.
• Foster a culture of quality and ownership on the team by setting code review and design standards, and advocating for them beyond the team through writing and tech talks.
• Help develop talent on the team by providing feedback and guidance, and leading by example.

Requirements

• Bachelors 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 through the definition of a technical and execution plan.
• Ability to write high-quality code that is easily understood and used by others.
• Thrive in ambiguity and are comfortable moving from low-level language idioms to the architecture of large systems to understand how they work.
• Growth and impact trajectory demonstrates mastery in gathering and iterating on feedback from engineering and cross-functional peers.
• Strong verbal and written communication skills that support effective collaboration with a global engineering team.
• This position requires either equivalent practical experience or a Bachelor’s degree in a related field.

Company Information

Affirm is proud to be a remote-first company! The majority of our roles are remote and you can work almost anywhere within the country of employment. Affirmers in proximal roles have the flexibility to work remotely, but will occasionally be required to.

Compensation & Benefits:

• Base Pay Grade: P
• Equity Grade: 13
• Base pay is part of a total compensation package that may include:
  • Equity rewards
  • Monthly stipends for health, wellness, and tech spending
  • Benefits (including 100% subsidized medical coverage, dental, and vision for you and your dependents)
• Affirm focuses on providing a simple and transparent pay structure based on location, experience, and job-related skills. Employees new to Affirm typically start at the beginning of the pay range.