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. Affirm, Inc. proudly includes Affirm, PayBright, and Returnly.
Affirm’s Machine Learning team solves problems critical to our business model - personalizing shopping experiences, optimizing repayment communications, detecting fraud, optimizing interest rates, and assessing creditworthiness in real time. Our innovative products necessitate the creation of novel machine learning solutions to drive both existing and new products.
The Billing ML team focuses on loan-centric user experiences after a customer takes up an Affirm loan. We support the management of a high-performing loan portfolio through well-designed and user-centric streams of reminders and communications across the lives of each user’s loans. Together with the initial credit underwriting decision, this post-loan optimization allows us to both select the right loans to give as well as help users pay them off successfully.
What you'll do- Use Affirm’s data to develop machine learning models that optimize our post-loan communications flow
- Build financial forecasting applications for Affirm’s two-sided marketplace
- Research ground breaking solutions and develop prototypes that drive the future of decisioning at Affirm
- Implement and scale data pipelines, new features, and algorithms that are essential to our production models
- Collaborate with the engineering, quantitative markets, merchant pricing, and product teams to define requirements for new products
- Evaluate new data sources to use in a cost-effective way in our models to add value
- Bachelors in a technical field with 8+ years of industry experience. Relevant PhD can count for up to 2 YOE.
- Proficiency in machine learning with experience in areas such as gradient boosting, deep learning, graph based modeling, and calibration.
- Strong programming skills in Python.
- Experience using large scale distributed data processing systems like Spark
- Experience using machine learning frameworks such as scikit-learn, pandas, numpy, xgboost, pytorch, and mllib
- Experience with Kubernetes, Docker, Kafka, Flink, and Airflow is a plus
- 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 great sense of responsibility – we build the decision making that enables consumers and partners to place their trust in Affirm!
Location - Remote Canada
Affirm is proud to be a remote-first company! The majority of our roles are remote and can be located anywhere in the U.S. and Canada (with the exception of the U.S. Territories, Quebec, Yukon, Nunavut, and the Northwest Territories) unless the job indicates a different global location. We are currently building operations in Spain, Poland, and Australia. Employees in remote roles have the option of working remotely or from an Affirm office in their country of hire, and may occasionally travel to an Affirm office or elsewhere for required meetings or team-building events. Our offices in Chicago, New York, Pittsburgh, Salt Lake City, San Francisco and Toronto will remain operational and accessible for anyone to use on a voluntary basis, subject to local COVID-19 guidelines.
All full-time jobs at Affirm (excluding interns and apprentices) are tied to a transparent grade-based pay range taking location into account.
[Colorado Candidates] In accordance with Colorado’s Equal Pay for Equal Work Act, the grade for this position in Colorado is listed above. You can find the Colorado base pay range and benefits here.
At Affirm, People Come First is one of our core values, and that’s why diversity and inclusion are vital to our priorities as an equal opportunity employer. You can read about our D&I program here and our progress thus far in our 2021 DEI Report.
We also believe It’s On Us to provide an inclusive interview experience for all, including people with disabilities. We are happy to provide reasonable accommodations to candidates in need of individualized support during the hiring process.
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