Machine Learning Engineer II (Underwriting ML)

At Affirm, we exist for the moments that matter—giving people a clear, predictable way to pay over time, with no hidden fees, no surprises, and no tradeoffs on what matters most. On the Underwriting ML team, you’ll build and improve machine learning systems that make real-time transaction decisions, assessing the repayment risk and expected value of every Affirm checkout. You’ll work closely with experienced ML engineers, platform partners, and cross-functional stakeholders to take models from idea to prototype to production, and to keep them healthy with strong measurement and monitoring as user behavior and macroeconomic conditions evolve. What you’ll do - You will develop and iterate on underwriting prediction models using a mix of approaches for tabular and sequential data - You will build and scale feature pipelines and training datasets from proprietary and third-party signals, partnering with data and platform teams when needed. - You will prototype new modeling ideas and