机器学习模型风险管理负责人
Model Risk Management Lead, Machine Learning
在Affirm，我们为那些重要的时刻而存在——让人们能够清晰、可预测地分期付款，没有隐藏费用、没有意外，也不会在最重要的事情上做出妥协。
关于企业风险与内部审计
企业风险与内部审计部门保护Affirm的运营和长期成功。我们识别、评估并监控业务中的风险。我们的工作包括内部审计、监管保证、欺诈预防和危机规划。团队建立强大的控制机制，跟踪关键风险指标，并确保应对外部审查的准备。我们坚持问责制、透明度和韧性，以支持负责任的增长。
关于团队
我们正在寻找一位聪明、有动力的专业人士加入我们的模型风险管理（MRM）团队。该团队致力于建立、维护和监督有效的MRM框架，以识别、量化、监控、缓解和报告公司内部的模型风险。你将有机会跨职能合作，深入了解推动关键商业决策的模型，并通过减轻由于模型设计不当或模型误用带来的风险来为公司创造价值。
你将负责
- 对用于信用承销、信用风险和/或欺诈检测的机器学习模型进行独立挑战，通过全面验证和持续监控
- 识别模型的弱点和改进机会
- 与模型负责人合作，解决模型验证发现的问题
- 与其他部门合作，实施和维护公司的MRM框架
- 与内部审计、内部控制和合规部门合作，确保及时解决审计和监管要求
我们寻找的人选
- 4-6年相关技术领域的专业经验，如模型开发、模型验证、数据科学
- 在机器学习建模、信用承销、信用风险管理和/或欺诈检测与欺诈风险管理方面有深入且广泛的知识和经验
- 具备使用脚本语言（例如Python）和大规模数据集（例如SQL）的能力
- 在机器学习平台和框架（例如scikit-learn、pyspark）以及基于云的编码环境和数据库方面有丰富的经验
- 数学、数据科学、计算机科学等定量领域的学士、硕士或博士学位
- 注重细节，对数据/模型/算法充满好奇，具备批判性思维能力
查看英文原文
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.
About Enterprise Risk & Internal Audit
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.
About the Team
We’re looking for an intelligent, driven professional to join our Model Risk Management (MRM) team. This team seeks to establish, maintain and oversee an effective MRM framework to identify, quantify, monitor, mitigate and report on model risk throughout the company. You will have an outstanding opportunity to work cross-functionally to develop a profound understanding of models that drive critical business decisions, and add value to the company by mitigating risks due to ineffective model design or model misuse.
What You’ll Do
- 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
What We Look For
- 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 dataset (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
Pay Grade - M
Equity Grade - 8
Employees new to Affirm typically come in at the start of the pay range. Affirm focuses on providing a simple and transparent pay structure which is based on a variety of factors, including location, experience and job-related skills. Base pay is part of a total compensation package that may include equity rewards, monthly stipends for health, wellness and tech spending, and benefits (including 100% subsidized medical coverage, dental and vision for you and your dependents.)
USA base pay range (CA, WA, NY, NJ, CT) per year: $185,000 - $245,000
USA base pay range (all other U.S. states) per year: $164,000 - $224,000
#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.
By clicking "Submit Application," you acknowledge that you have read Affirm's Global Candidate Privacy Notice and consent to the use of your personal information as described.