Machine Learning Engineer II (ROA + LTV ML)
在 Afirm,我们存在于那些重要时刻给人们一个清晰的，可预测的方式来支付时间，没有隐藏的费用，没有惊喜和什么是最重要的。作为我们的机器学习工程师，你将处于开发高质量的生产准备模型的前沿，这些模型在决策过程中发挥着核心作用。你的贡献将对塑造我们的金融环境有关键作用。如果你对机器学习有很大的兴趣并喜欢具有挑战性的工作，Afirm 是适合你的地方！你会做什么 · 使用 Afirm 的专有数据和其他第三方数据来开发预测违约可能性的机器学习模型，并做出批准或拒绝决定以实现业务目标 ·与平台和产品工程团队合作建立模型培训，决策和监控系统 ·在 Afirm 研究创新解决方案并开发推动信贷决策未来的原型号 ·实施和扩展对我们的生产模式至关重要的数据管道，新功能和算法 ·与工程，信用和产品团队合作定义新产品要求 我们寻找什么 · 机器学习工程师或博士学位2年以上相关领域经验 · 在机器学习方面掌握，在一般化的线性模型，渐进增强，深度学习和概率校准等领域有经验。信用风险的域名知识是加倍 · 在 Python 中具有强大的工程技能和 SQL 等数据操纵技巧 · 使用 Spark 或 Ray 这样的大规模分布式系统的经验 · 从创建到业务影响的机器学习模型的开发经验 · 优秀的书面和口头沟通技能以及与产品和工程团队一起推动跨职能要求的能力 · 能够以适合观众的方式呈现技术概念和结果 · 坚持，耐心和强烈责任感 · 我们建立了使消费者和合作伙伴对 Afferm! Pay Grade - L Equity Grade - 5的决策方式。
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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.
As a Machine Learning Engineer on our team, 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!
What you'll do
- 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 ground breaking 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
What we look for
- 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!
Pay Grade - L
Equity Grade - 5
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 monthly stipends for health, wellness and tech spending, and benefits (including 100% subsidized medical coverage, dental and vision for you and your dependents). In addition, the employees may be eligible for equity rewards offered by Affirm Holdings, Inc. (parent company).
CAN base pay range per year: $133,000 - $183,000
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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