Machine Learning Engineer II (ROA + LTV ML)

About the Position

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.

We are looking for a Machine Learning Engineer II (ROA + LTV ML) to join our team. As a Machine Learning Engineer, 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!

Responsibilities

• 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 groundbreaking 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.

Requirements

• 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!

We Offer

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

About the Company

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. We are proud to be a remote-first company, offering flexibility and a commitment to care, transparency, and flexibility in our benefits.

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.

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