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.
The Portfolio ML team manages and optimizes the flow of loan opportunities across Affirm-owned and operated properties. We build models, tools, and libraries to support portfolio management actions that balance unit economics, product growth, and user experience. We power ROA-based decisioning; real-time and offline conversion rate prediction; counterfactual portfolio simulation; and the valuation of loans. We sit within the Decisions Foundations org.
What You'll Do
Use Affirm’s proprietary and other third party data to develop machine learning models that manage and optimize the flow of loan opportunities across Affirm-owned and -operated properties
Partner with platform and product engineering teams to build model training, decisioning, and monitoring systems
Research ground breaking solutions and develop prototypes that drive the future of portfolio decisioning at Affirm
Implement and scale data pipelines, new features, and algorithms that are essential to our production models
Collaborate with the engineering, credit, and product teams to define requirements for new products
What We Look For
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, portfolio management, learning to rank, and personalization is a plus
Strong engineering skills in Python and data manipulation skills like SQL
Experience using distributed systems like Spark or Ray is a plus
Experience using open source projects and software such as scikit-learn, pandas, NumPy, XGBoost, Kubeflow
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 strong sense of responsibility – we build the decision making that enables consumers and partners to place their trust in Affirm!
Pay Grade - USA29
Employees new to Affirm or promoted into a new role, typically begin in the min to mid range.
USA base pay range (CA, WA, NY, NJ, CT) per year:
Min: $138,800
Mid: $173,500
Max: $208,200
USA base pay range (all other U.S. states) per year:
Min: $124,900
Mid: $156,100
Max: $187,300
#LI-Remote
Affirm is proud to be a remote-first company! The majority of our roles are remote and you can work almost anywhere within the country of employment. Affirmers in proximal roles have the flexibility to work remotely, but will occasionally be required to work out of their assigned Affirm office. A limited number of roles remain office-based due to the nature of their job responsibilities.
We’re extremely proud to offer competitive benefits that are anchored to our core value of people come first. Some key highlights of our benefits package include:
- Health care coverage - Affirm covers all premiums for all levels of coverage for you and your dependents
- Flexible Spending Wallets - generous stipends for spending on Technology, Food, various Lifestyle needs, and family forming expenses
- Time off - competitive vacation and holiday schedules allowing you to take time off to rest and recharge
- ESPP - An employee stock purchase plan enabling you to buy shares of Affirm at a discount
We 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.
[For U.S. positions that could be performed in Los Angeles or San Francisco] Pursuant to the San Francisco Fair Chance Ordinance and Los Angeles Fair Chance Initiative for Hiring Ordinance, Affirm will consider for employment qualified applicants with arrest and conviction records.
By clicking "Submit Application," you acknowledge that you have read the Affirm Employment Privacy Policy for applicants within the United States, the EU Employee Notice Regarding Use of Personal Data (Poland) for applicants applying from Poland, the EU Employee Notice Regarding Use of Personal Data (Spain) for applicants applying from Spain, or the Affirm U.K. Limited Employee Notice Regarding Use of Personal Data for applicants applying from the United Kingdom, and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.
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