← All roles

Machine Learning Engineer II (Underwriting ML)

Affirm· Checkout
Apply on company site
Hybrid (Remote Canada)CA$133k - CA$183kfull-timePosted 2mo ago

About the role

Machine Learning Engineer II role focused on building real-time underwriting and risk prediction systems for Affirm's checkout. Develops models for transaction decisioning, pipelines, experimentation, productionization, monitoring, and collaboration with cross-functional teams.

Responsibilities

  • Develop and iterate on underwriting prediction models using tabular and sequential data
  • Build and scale feature pipelines and training datasets from proprietary and third-party signals
  • Prototype new modeling ideas, run offline experiments, and drive best-performing approaches into production with risk controls
  • Productionize models: integrate into batch and/or real-time decision systems, improve reliability, latency, and operational robustness
  • Instrument and monitor model and data health, define retraining/backtesting workflows
  • Collaborate across Engineering, Risk Analytics, Product, and ML Platform to define requirements, evaluate tradeoffs, and communicate results to technical and non-technical audiences

Qualifications

  • 2+ years of experience as a machine learning engineer or a PhD in a relevant field
  • Strong Python skills and production-quality code
  • Experience building and evaluating models for classification (e.g., gradient-boosted trees like LightGBM/XGBoost/CatBoost)
  • Experience with a deep learning framework (PyTorch preferred)
  • Experience with distributed data processing/parallel compute frameworks (Spark preferred; Ray/Dask or similar)
  • Experience with ML lifecycle tooling (Kubeflow, Airflow, MLflow or equivalent)
  • Proficiency with AI-powered developer tools to accelerate iteration, debugging, and code quality
  • Ability to translate simple business problems into multi-component solutions with well-tested, extensible code
  • Comfort with navigating large codebases and providing code review feedback
  • Demonstrated ownership of growth and proactive feedback seeking
  • Strong verbal and written communication skills
  • Equivalent practical experience or Bachelor’s degree in a related field

Skills

Required:PythonClassification modelingGradient-boosted decision trees (LightGBM/XGBoost/CatBoost)Deep learning frameworkDistributed data processingML lifecycle toolingCollaboration / communicationCode review / debugging

Benefits

  • 100% subsidized health coverage for employees and dependents
  • Monthly spending stipends for tech setup and health/wellness options
  • Flexible time off and generous holiday calendar
  • Employee stock purchase plan (ESPP)
  • Remote-first with flexibility, in-person onboarding and occasional office work as needed.
Last updated Sep 16, 2026. Interested? Apply on the company site.

About Affirm

Pay over time with flexible payment plans and no fees

Buy now pay later without the fees. Flexible payment options with longer plans, lower payments, and no fees. Pay in 4 interest-free or get more time and see your total cost upfront.

Buy now pay laterFinancial servicesPayment plansCredit
Company profileWebsite

More open roles at Affirm