Manager, Machine Learning Engineering, Checkout

• 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.
• Join Affirm as a Machine Learning Engineering Manager and become a pivotal part of our International Credit Machine Learning group.
• Specifically, you will manage a team of ML engineers that builds the models powering credit lending decisions in countries across Europe and in Australia.
• You will lead your team in using novel ML techniques and rich data representations to predict repayment behavior and optimize how we offer loans to our borrowers.
• In this role, you will help shape the future of machine learning at Affirm.
• You'll partner with engineering, product, and risk leaders to design, implement, and scale advanced ML solutions that drive critical capabilities across the company.
• You will mentor engineers, bring clarity to complex, ambiguous problems, and contribute to a cohesive long-term ML strategy.

What you'll do

• Set the technical strategy for your team, and help your engineers tie it together with critical, business-impacting projects in our underwriting system
• Act as a force multiplier through your definition and advocacy of technical solutions and operational processes.
• Collaborate across teams in the product development lifecycle by partnering with product management, design, analytics, and risk to ensure technical sustainability, risks and trade-offs are well understood and managed.
• Develop talent by providing feedback and guidance, and leading by example.

What We Look For

• Bachelor's in a technical field with 8+ years of industry experience, including 3+ years managing engineers.
• A background in financial services, specifically in credit / lending.
• Proficiency in machine learning with experience in areas including tree-based models, transformers, deep learning, and agentic ML.
• Strong engineering skills and the ability to provide hands-on technical leadership while working with our code and architecture.
• 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

Compensation & Benefits

Base Pay Grade - P

Equity Grade - 7

• Employees new to Affirm typically come in at the start of the pay range. Affirm focuses on providing a simple and transparent pay structure which is based on a variety of factors, including location, experience and job-related skills.
• Base pay is part of a total compensation package that may include equity rewards, monthly stipends for health, wellness and tech spending, and benefits (including 100% subsidised medical coverage, dental and vision for you and your dependents.)

#LI-Remote

Remote-first with flexibility built in

• Affirm is proud to be a remote-first company.
• Most roles can be done from almost anywhere within the country of employment.
• Some positions may occasionally require in-person work at an Affirm office, and a few are office-based due to the nature of the work.
• All new hires will be invited to attend an in-person onboarding experience.

Benefits

designed for you

Our benefits reflect our commitment to care, transparency, and flexibility. Here are a few highlights:

• Health coverage at no cost: We cover 100% of premiums for employees and their dependents.
• Spending stipends: Monthly stipends support your tech setup, and the ability to choose health and wellness options that are right for you.
• Time off to recharge: Flexible time off and generous holiday calendars help you rest when you need to.
• Own a piece of what you build: Our employee stock purchase plan (ESPP) lets you buy Affirm stock at a discount.

• We're committed to providing an inclusive interview process, including accommodations for candidates with disabilities. If you need support, we're happy to help.
• For positions based in San Francisco or Los Angeles: Affirm considers qualified applicants with arrest and conviction records, as required by law.
• By clicking "Submit Application," you acknowledge that you have read Affirm's Global Candidate Privacy Notice and consent to the use of your personal information as described.