Senior Staff Machine Learning Engineer, (ML Underwriting)

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.

As a Senior Staff Machine Learning Engineer, you will play a pivotal role in our innovative ML team, partnering with ML Platform, engineering, product and risk leaders to design, implement and scale advanced modeling approaches that drive critical decisions across the company. You will mentor senior engineers, bring clarity to complex, ambiguous problems and contribute to a cohesive long‑term ML strategy.

Responsibilities

• Define and drive a multi‑year, multi‑team technical strategy for machine learning across the company, ensuring alignment with company‑wide priorities and influencing partner roadmaps.
• Lead the design, implementation and scaling of advanced ML systems, setting architectural direction for complex, cross‑functional initiatives while keeping systems reliable, extensible and ready for increasingly sophisticated workloads.
• Partner deeply with ML Platform, product, engineering and risk leadership to shape long‑term modeling capabilities, identify new opportunities for ML impact and guide infrastructure evolution for next‑generation methods.
• Provide broad technical leadership across the ML organization, mentoring senior engineers, elevating design and code quality, and spreading ML expertise through documentation, talks and cross‑org guidance.
• Drive clarity and alignment on ambiguous, high‑stakes technical decisions, resolving cross‑team tensions, balancing competing priorities and exercising judgment optimized for the broader engineering organization.
• Champion operational and system excellence at the area level, owning the long‑term health, availability and evolution of critical ML systems, and ensuring robust testing, monitoring and reliability practices across teams.

Qualifications

Pay Grade : R Equity Grade : 9

Base pay range : $206,000 – $256,000 per year. Employees new to Affim typically start at the lower end of the range and may receive additional monthly stipends for health, wellness and tech spending, as well as equity rewards.

Affirm is proud to be a remote‑first company. The majority of roles are remote and can be worked from any location within the country of employment. Occasional on‑site visits may be required.

Benefits

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, Affim will consider qualified applicants with arrest and conviction records.

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