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Machine Learning Engineer II (Underwriting ML)
Affirm
Remote · United States$12,167–18,750 gross/mofull-timeAffirm Careers
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.
Responsibilities
- 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).
Languages
- Work format
- Remote
- Seniority
- Mid
- Posted
- 6 Aug 2026
- Last verified
- In the last 5 days
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