Role details
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.
About Enterprise Risk & Internal Audit
- The Enterprise Risk & Internal Audit department protects Affirm's operations and long-term success.
- We identify, assess, and monitor risk across the business.
- Our work includes internal audits, regulatory assurance, fraud prevention, and crisis planning.
- The team maintains strong controls, tracks key risk indicators, and ensures readiness for external reviews.
- We uphold accountability, transparency, and resilience to support responsible growth.
About the Team
- We're looking for an intelligent, driven professional to join our Model Risk Management (MRM) team.
- This team seeks to establish, maintain and oversee an effective MRM framework to identify, quantify, monitor, mitigate and report on model risk throughout the company.
- You will have an outstanding opportunity to work cross-functionally to develop a profound understanding of models that drive critical business decisions, and add value to the company by mitigating risks due to ineffective model design or model misuse.
What You'll Do
- Perform independent challenges of machine learning models used for credit underwriting, credit risk, and/or fraud detection through thorough validation and ongoing monitoring
- Identify model weaknesses and opportunities for improvement
- Collaborate with model owners to remediate model validation findings
- Partner cross-functionally to implement and maintain the company's MRM framework
- Partner with Internal Audit, Internal Controls, and Compliance to ensure timely resolution of audit and regulatory requests
What We Look For
- 4-6 years of professional experience in related technical areas such as model development, model validation, data science
- Deep and broad knowledge and experience in machine learning modeling, credit underwriting, credit risk management, and/or fraud detection and fraud risk management
- Proven ability to work with script languages(e.g., Python) and large-scale dataset (e.g., SQL)
- Extensive experience with machine learning platforms and frameworks (e.g., scikit-learn, pyspark) and cloud-based coding environments and databases
- BS, MS, or PhD in a quantitative field such as Math, Data Science, Computer Science
- Oriented toward detail, curious about data/models/algorithms, skilled at critical thinking and problem solving
- Extraordinary interpersonal and verbal/written communication skills
Pay Grade - M
Equity Grade - 8
- 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% subsidized medical coverage, dental and vision for you and your dependents.)
- USA base pay range (CA, WA, NY, NJ, CT) per year: $185,000 - $245,000
- USA base pay range (all other U.S. states) per year: $164,000 - $224,000
#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.