Overview 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 You will be responsible for setting technical strategy for your team on a year-long time scale, and help your team tie it together with critical, business-impacting projects. You will collaborate across teams in the product development lifecycle by collaborating with product management, design & analytics to ensure technical sustainability, risks and trade-offs are well understood and managed. You will act as a force-multiplier for your team through your definition and advocacy of technical solutions and operational processes. You take ownership of your team’s operations and availability by ensuring you have the right monitoring, triage rotations, playbooks, policies, testing and alerting in place to support “keep the lights on” and on-call efforts. You will foster a culture of quality and ownership on your team by setting code review and design standards for your team, and advocating for them beyond your team through your writing and tech talks. You will help develop talent on your team by providing feedback and guidance, and leading by example. What We Look For Bachelors in a technical field with 8+ years of industry experience. Relevant PhD can count for up to 2 YOE. 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. You have experience delivering major features, system components or deprecating existing functionality in a system through the definition of a technical and execution plan. You write high quality code that is easily understood and used by others. You thrive in ambiguity, and are comfortable moving from low level language idioms all the way to the architecture of large systems to understand how they work. Your growth and impact trajectory demonstrates that you have mastered gathering and iterating on feedback from your engineering and cross-functional peers. You have strong verbal and written communication skills that support effective collaboration with our global engineering team. This position requires either equivalent practical experience or a Bachelor’s degree in a related field. Location & Benefits Location: Remote - US. Affirm is proud to be a remote-first company. The majority of roles are remote and you can work almost anywhere within the country of employment. A limited number of roles remain office-based due to the nature of their job responsibilities. Base Pay and Equity: USA base pay range (CA, WA, NY, NJ, CT) per year: $225,000 - $275,000; USA base pay range (all other U.S. states) per year: $200,000 - $250,000. Equity Grade: 13. Base pay is part of a total compensation package that may include equity rewards, stipends for health, wellness and tech spending, and benefits (including 100% subsidized medical coverage, dental and vision for you and your dependents). Benefits 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, Lifestyle needs, and family forming expenses Time off - competitive vacation and holiday schedules ESPP - 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] Affirm will consider qualified applicants with arrest and conviction records in line with local ordinances. By clicking "Submit Application," you acknowledge that you have read Affirm's Global Candidate Privacy Notice and give informed consent to the collection, processing, use, and storage of your personal information as described therein.

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