Staff Machine Learning Engineer (Credit International 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 Staff Machine Learning Engineer to be the technical leader building high-quality production-grade models powering credit lending decisions in countries across Europe and in Australia. You will use novel ML techniques and rich data representations to predict repayment behavior and optimize how we offer loans to our borrowers. In this role, you will help shape the future of how machine learning fuels Affirm’s global expansion. You'll partner with engineering, product, and risk leaders to design, implement, and scale advanced ML solutions that drive critical capabilities across the company. You will mentor engineers, bring clarity to complex, ambiguous problems, and contribute to a cohesive long-term ML strategy.

Responsibilities

• Setting technical strategy for your team on a year-long time scale, and helping your team tie it together with critical, business-impacting projects.
• Collaborating with ML Platform, product, engineering, and risk leadership to shape long-term modeling capabilities needed for scalable international expansion.
• Acting as a force-multiplier for your team through your definition and advocacy of technical solutions and operational processes.
• Fostering a culture of quality and ownership on your team by setting code review and design standards.
• Helping develop talent on your team by providing feedback and guidance, and leading by example.

Requirements

• 8+ years of experience researching, designing, deploying, and operating large-scale, real-time machine learning systems. A relevant PhD can count for up to 2 YOE.
• Strong Python skills and experience writing production-quality code.
• Experience building and evaluating models for tabular classification problems (including gradient-boosted decision trees like LightGBM/XGBoost, and deep learning frameworks like PyTorch).
• Experience working with distributed data processing or parallel compute frameworks (e.g. Spark, Ray).
• Experience with ML lifecycle tooling for training orchestration, experimentation, and model monitoring (e.g., Kubeflow, Airflow, MLflow).
• Proficient in using AI-powered developer tools (e.g., Claude Code, Codex, Cursor) to accelerate the model development lifecycle.
• Strong engineering skills and the ability to provide hands-on technical leadership while working with our code and architecture.
• Strong verbal and written communication skills that support effective collaboration with our global engineering team.

We Offer

• Base Pay: 365,000 zł - 485,000 zł
• Equity: Eligible for equity rewards offered by Affirm Holdings, Inc. (parent company).
• Benefits:
  • Competitive paid time off, paid public holidays, and additional paid Away Days.
  • Comprehensive private healthcare through Lux Med's Platinum package.
  • A MultiSport card to support your health and well-being.
  • Learning and development programs.
  • Family healthcare support through Maven and parental leave support through Parentaly.
  • Mental well-being support through Lyra.
  • Financial well-being support through Northstar.
  • Employee Resource Groups (ERGs) that foster connection and inclusion.
  • Eligibility for creative tax benefits, subject to applicable law, role, and company policy.

About the Company

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.

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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