Model Risk Management Lead, Machine Learning

About the Position

We are seeking a Model Risk Management Lead, Machine Learning to join our team at Affirm. You will work on validating and monitoring machine learning models for credit underwriting, credit risk, and fraud detection.

Responsibilities

• Perform independent challenges of machine learning models used for credit underwriting, credit risk, and/or fraud detection through thorough validation and ongoing monitoring
• Identify model weaknesses and opportunities for improvement
• Collaborate with model owners to remediate model validation findings
• Partner cross-functionally to implement and maintain the company’s MRM framework
• Partner with Internal Audit, Internal Controls, and Compliance to ensure timely resolution of audit and regulatory requests

Requirements

• 4-6 years of professional experience in related technical areas such as model development, model validation, data science
• Deep and broad knowledge and experience in machine learning modeling, credit underwriting, credit risk management, and/or fraud detection and fraud risk management
• Proven ability to work with script languages (e.g., Python) and large-scale datasets (e.g., SQL)
• Extensive experience with machine learning platforms and frameworks (e.g., scikit-learn, pyspark) and cloud-based coding environments and databases
• BS, MS, or PhD in a quantitative field such as Math, Data Science, Computer Science
• Oriented toward detail, curious about data/models/algorithms, skilled at critical thinking and problem solving
• Extraordinary interpersonal and verbal/written communication skills

We Offer

• Competitive salary range: $164,000 - $245,000 per year (based on location and experience)
• Remote-first work environment with flexibility
• Comprehensive benefits package including 100% subsidized medical coverage, dental and vision for you and your dependents
• Monthly stipends for health, wellness, and tech spending
• Opportunity to own a piece of what you build through our employee stock purchase plan (ESPP)

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. The Enterprise Risk & Internal Audit department protects Affirm’s operations and long-term success. We identify, assess, and monitor risk across the business. Our work includes internal audits, regulatory assurance, fraud prevention, and crisis planning. The team maintains strong controls, tracks key risk indicators, and ensures readiness for external reviews. We uphold accountability, transparency, and resilience to support responsible growth.

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