About the company
Affirm provides a clear, predictable way to pay over time, with no hidden fees and no surprises. The Enterprise Risk & Internal Audit department protects Affirm's operations and long-term success through internal audits, regulatory assurance, fraud prevention, and crisis planning. The Model Risk Management (MRM) team establishes, maintains and oversees an effective MRM framework to identify, quantify, monitor, mitigate and report on model risk.
Responsibilities
- Perform independent challenges of machine learning models used for credit underwriting, credit risk, and/or fraud detection through 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
Requirements
- 4-6 years of professional experience in model development, model validation, or data science
- Deep knowledge of machine learning modeling, credit underwriting, credit risk management, and/or fraud detection
- Proven ability to work with scripting languages (e.g., Python) and large-scale datasets (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
- Detail-oriented, curious about data/models/algorithms, skilled at critical thinking and problem solving
- Extraordinary interpersonal and verbal/written communication skills
Conditions
- Remote-first with flexibility
- Base pay range (CA, WA, NY, NJ, CT): $185,000 - $245,000 per year
- Base pay range (all other U.S. states): $164,000 - $224,000 per year
- Total compensation may include equity rewards, monthly stipends for health, wellness and tech spending, and benefits including 100% subsidized medical coverage, dental and vision