Senior Software Engineer, Machine Learning (Credit Engineering)

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 proudly includes Returnly. 

The International Machine Learning Underwriting (INML) team builds Affirm essential real-time underwriting models used outside of the US. These models determine which users are approved for an Affirm loan and how much they are approved for. These models are central to Affirm’s continued success and growth, and need to be explainable to the user and scalable across regions. 

What you'll do

• Use Affirm’s data to develop machine learning models that predict cash flows, financing programs, and optimize pricing for merchants.
• 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

What we look for

• Bachelors in a technical field with 4+ years of industry experience. Relevant Ph.D 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(or similar)
• Experience using machine learning frameworks such as scikit-learn, pandas, numpy, xgboost, pytorch, and mllib (one or more) 
• 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!

Compensation & Benefits

We offer a competitive package, with some highlights listed below.  However, the given figures are not guaranteed compensation ranges; rather, they are unbinding, approximate indications of what the salary may be for your awareness. The actual salary may be less than the lower range or greater than the upper range, depending on skills and experience. No employee is guaranteed salary at the amount of the lower range.

• Targeted Gross Monthly Salary: 22,042-24,247 PLN
• Flexible Spending Wallets for tech, food and lifestyle
• Generous time off policies 
• Away Days - wellness days to take off work and recharge
• Learning & Development programs
• Parental leave
• Robust health benefits
• Employee Resource & Community Groups

Location - Remote Poland

The majority of our roles can be located anywhere in Poland.

#LI-Remote

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.

If you got this far, we hope you're feeling excited about this role. Even if you don't feel you meet every single requirement, we still encourage you to apply. We're eager to meet people who believe in Affirm's mission and can contribute to our team in a variety of ways—not just candidates who check all the boxes.   Inclusivity:

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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