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Software Engineer II (Portfolio ML)

USA flag USA


Posted 12 days ago

Job Type

Full Time


$139k - $208k




  • Affirm is revolutionizing credit with a focus on transparency and flexibility, enabling consumers to make purchases and pay later without hidden fees or interest accumulation.

  • The Software Engineer II (Portfolio ML) will lead projects in developing machine learning models to optimize loan opportunities, collaborate cross-functionally, and drive forward the future of portfolio decision-making at Affirm.

  • Opportunities for growth include working with cutting-edge technologies like machine learning, partnering with platform and product engineering teams, and involving in ground-breaking solutions that shape portfolio decisioning.


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


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.

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