Machine Learning Engineer II (Underwriting ML)

Affirm · Remote USRemotemid

In short

▸Construyes modelos de ML en tiempo real para decidir riesgo de pago en compras con Affirm.
▸Trabajas en equipo con ingenieros, riesgos y producto para llevar modelos de prueba a producción.
▸Destacan las herramientas de IA como Claude Code para acelerar el desarrollo diario.

🌐 Required to effectively collaborate with global engineering teams.

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What they ask for

✓2+ años como ML Engineer o doctorado en área relevante.
✓Habilidades sólidas en Python para código de producción.
✓Experiencia con modelos de clasificación (LightGBM/XGBoost/CatBoost).
✓Conocimiento de frameworks de deep learning (PyTorch preferido).
✓Experiencia con procesamiento distribuido (Spark preferido).
✓Manejo de herramientas del ciclo de vida del ML (MLflow, Airflow, Kubeflow, etc).

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PythonLightGBMXGBoostCatBoostPyTorchSparkRayDaskKubeflowAirflow

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Affirm is reinventing credit to make it more honest and friendly, giving consumers the flexibility to buy now and pay later without any hidden fees or compounding interest. On the Underwriting ML team, you’ll build and improve machine learning systems that make real-time transaction decisions, assessing the repayment risk and expected value of every Affirm checkout. You’ll work closely with experienced ML engineers, platform partners, and cross-functional stakeholders to take models from idea to prototype to production, and to keep them healthy with strong measurement and monitoring as user behavior and macroeconomic conditions evolve. What you’ll do - You will develop and iterate on underwriting prediction models using a mix of approaches for tabular and sequential data - You will build and scale feature pipelines and training datasets from proprietary and third-party signals, partnering with data and platform teams when needed. - You will prototype new modeling ideas and features, run offline experiments, and drive the best-performing approaches into production with appropriate risk controls. - You will help productionize models: integrate into batch and/or real-time decision systems, and improve reliability, latency, and operational robustness. - You will instrument and monitor model and data health, and help define retraining/backtesting workflows - You will collaborate across Engineering, Risk Analytics, Product, and ML Platform to define requirements, evaluate tradeoffs, and communicate results clearly to both technical and non-technical audiences. What we look for - You have a total of 2+ years of experience as a machine learning engineer or a PhD in a relevant field. - Strong Python skills and experience writing production-quality code. - Experience building and evaluating models for classification problems (preferably gradient-boosted decision trees like LightGBM/XGBoost/CatBoost, or similar). - Experience with a deep learning framework (PyTorch preferred). - Experience working with distributed data processing or parallel compute frameworks (Spark preferred; Ray/Dask or similar). - Experience with ML lifecycle tooling for training orchestration, experimentation, and model monitoring (e.g., Kubeflow, Airflow, MLflow, or equivalent internal platforms). - Proficient in using AI-powered developer tools (e.g., Claude Code, Cursor, or similar) to accelerate iteration, debugging, and code quality as part of day-to-day development workflows. - You have mastered taking a simple problem or business scenario into a solution that interacts with multiple software components, and executing on it by writing clear, easily understood, well tested and extensible code. - You are comfortable navigating a large code base, debugging others' code, and providing feedback to other engineers through code reviews. - Your experience demonstrates that you take ownership of your growth, proactively seeking feedback from your team, your manager, and your stakeholders. - You have strong verbal and written communication skills that support effective collaboration with our global engineering team. - This position requires either equivalent practical experience or a Bachelor’s degree in a related field Pay Grade - L Equity Grade - 6 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

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