Machine Learning Engineer II

Affirm

4d • $142,000 - $210,000 • Remote

About The Position

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. On the Servicing ML team, you will build and improve machine learning and AI systems that automate customer operations such as disputes, returns, fraud, and chargebacks to make the best decisions for Affirm and our customers. You will 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.

Requirements

• A total of 2+ years of experience as a machine learning engineer
• Strong Python skills and experience writing production-quality code
• Experience building and evaluating models for tabular classification problems (preferably gradient-boosted decision trees like LightGBM/XGBoost/CatBoost).
• Experience building applications with LLM APIs (e.g., OpenAI, Anthropic), including structured extraction, prompt engineering, and orchestration frameworks like LangChain or LangGraph.
• Familiarity with document and unstructured data processing (PDF/image extraction, text parsing, or similar).
• Experience with ML lifecycle tooling for training orchestration, experimentation, and model monitoring (e.g., Kubeflow, Airflow, MLflow, or equivalent internal platforms).
• Proficient in using AI-powered developer tools (e.g., Claude Code, Cursor, or similar) to accelerate iteration, debugging, and code quality as part of day-to-day development workflows.
• Mastered taking a simple problem or business scenario into a solution that interacts with multiple software components, and executing on it by writing clear, easily understood, well tested and extensible code.
• Comfortable navigating a large code base, debugging others' code, and providing feedback to other engineers through code reviews.
• Experience demonstrates that you take ownership of your growth, proactively seeking feedback from your team, your manager, and your stakeholders.
• Strong verbal and written communication skills that support effective collaboration with our global engineering team.
• Equivalent practical experience or a Bachelor’s degree in a related field

Responsibilities

• Develop AI systems that automate dispute and chargeback handling using structured evidence and business logic, creating a better experience for our customers.
• Build models that automate refunds, getting money back to our customers faster.
• Build and maintain evidence extraction pipelines that process unstructured data using LLM-powered workflows to produce structured, actionable outputs.
• Prototype new modeling ideas, run offline experiments, and drive the best-performing approaches into production with appropriate risk controls.
• Collaborate across Engineering, Servicing Operations, Product, and ML Platform to define requirements, evaluate tradeoffs, and communicate results clearly to both technical and non-technical audiences.

Benefits

• Equity rewards
• Monthly stipends for health, wellness and tech spending
• 100% subsidized medical coverage
• Dental and vision for you and your dependents
• Competitive vacation and holiday schedules
• Employee stock purchase plan (ESPP) enabling you to buy shares of Affirm at a discount

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level