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’s Applied Machine Learning team solves problems critical to Affirm’s business model - personalizing shopping experiences, detecting fraud, and assessing creditworthiness in real time. Our innovative products necessitate the creation of novel machine learning solutions to drive both existing and new products.

What you'll do

  • Use Affirm’s data to develop machine learning models that optimize decision making in fraud and underwriting
  • Build models that create a two-sided, recommendations-driven Affirm marketplace
  • Research ground breaking solutions and develop prototypes that drive the future of decisioning at Affirm
  • Implement 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
  • Evaluate new data sources to use in a cost-effective way in our models to add value

What we look for

  • PhD with 2+ years industry experience, MS with 3+ years, or BS with 5+ years
  • Proficiency in machine learning with experience in areas such as gradient boosting, decision trees, regression, and unsupervised learning
  • Strong programming skills in a scientific computing language such as Python. Experience using frameworks for machine learning and data science like scikit-learn, pandas, numpy
  • 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 and patience and a great sense of responsibility - we create the decisioning that drives the business!
Location
 
We’re excited to announce that Affirm is now a remote-first company! This role can be located anywhere in the U.S. and Canada (with the exception of Quebec). Remote based employees may occasionally travel to an Affirm office for meetings or team building events. Our offices in San Francisco, New York City, Pittsburgh, Chicago, and Salt Lake City will remain operational and accessible for anyone to use on a voluntary basis.
 
 
If you got to this point, we hope you're feeling excited about the job description you just read. Even if you don't feel that you meet every single requirement, we still encourage you to apply. We're eager to meet people that believe in Affirm's mission and can contribute to our team in a variety of ways – not just candidates who check all the boxes.
 
At Affirm, "People Come First" is a core value 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 2019 D&I 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.
 
We will consider for employment qualified applicants with arrest and conviction records in accordance with applicable federal, state and local laws, including the San Francisco Fair Chance Ordinance. By clicking "Submit Application," I acknowledge that I have read the Affirm Employment Privacy Policy, and hereby consent to the collection, processing, use, and storage of my personal information as described therein.

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Affirm is dedicated to building a diverse team and an inclusive culture. We believe that it’s crucial to Affirm’s long-term success to create an environment where all Affirmers feel like they belong and have an equal opportunity to succeed.

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