Machine Learning Engineer II (ROA + LTV ML)

<div class="content-intro"><p>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.</p></div><div> <p>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!</p> <p>What you'll do</p> <ul> <li> <p>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</p> </li> <li> <p>Partner with platform and product engineering teams to build model training, decisioning, and monitoring systems&nbsp;</p> </li> <li> <p>Research ground breaking solutions and develop prototypes that drive the future of credit decisioning at Affirm</p> </li> <li> <p>Implement and scale data pipelines, new features, and algorithms that are essential to our production models</p> </li> <li> <p>Collaborate with the engineering, credit, and product teams to define requirements for new products</p> </li> </ul> <p>&nbsp;</p> <p>What we look for</p> <ul> <li> <p>2+ years of experience as a machine learning engineer or PhD in a relevant field</p> </li> <li> <p>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</p> </li> <li> <p>Strong engineering skills in Python and data manipulation skills like SQL</p> </li> <li> <p>Experience using large scale distributed systems like Spark or Ray&nbsp;</p> </li> <li> <p>Experience using open source projects and software such as scikit-learn, pandas, NumPy, XGBoost, Kubeflow</p> </li> <li> <p>Experience developing machine learning models at scale from inception to business impact</p> </li> <li> <p>Excellent written and oral communication skills and the capability to drive cross-functional requirements with product and engineering teams</p> </li> <li> <p>The ability to present technical concepts and results in an audience-appropriate way</p> </li> <li> <p>Persistence, patience and a strong sense of responsibility – we build the decision making that enables consumers and partners to place their trust in Af