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Salary: CAD 133,000 - 183,000 / annual
Affirm is reinventing credit to make it more honest and friendly, offering buy-now-pay-later solutions without hidden fees or compounding interest. The Underwriting ML team builds and improves machine learning systems that make real-time transaction decisions, assessing repayment risk and expected value at every Affirm checkout.
In this role, you will develop and iterate on underwriting prediction models using approaches for both tabular and sequential data. You'll build and scale feature pipelines and training datasets from proprietary and third-party signals, partnering with data and platform teams as needed. You'll prototype new modeling ideas and features, run offline experiments, and drive the best-performing approaches into production with appropriate risk controls.
You'll help productionize models by integrating them into batch and/or real-time decision systems, improving reliability, latency, and operational robustness. You'll instrument and monitor model and data health, define retraining and backtesting workflows, and collaborate across Engineering, Risk Analytics, Product, and ML Platform to define requirements, evaluate tradeoffs, and communicate results to both technical and non-technical audiences.
You bring 2+ years of experience as a machine learning engineer or a PhD in a relevant field. You have strong Python skills and experience writing production-quality code. You're experienced building and evaluating models for classification problems, preferably with gradient-boosted decision trees (LightGBM, XGBoost, CatBoost). You have hands-on experience with deep learning frameworks (PyTorch preferred) and distributed data processing frameworks (Spark preferred). You're proficient with ML lifecycle tooling for training orchestration, experimentation, and model monitoring. You're comfortable using AI-powered developer tools to accelerate iteration and code quality. You excel at taking business scenarios into multi-component solutions with clear, well-tested, extensible code. You navigate large codebases, debug effectively, and provide constructive code reviews. You take ownership of your growth and communicate clearly with global teams.
