Uncubed

Software Engineer - Machine Learning

Affirm, San Francisco, CA

Affirm: Delivering Honest Financial Products


Affirm is a data-driven financial technology company. Data is core to our decision making processes, from validating identities and detecting fraud, to credit underwriting and servicing. We seek to revolutionize the credit system by building more holistic, accurate, and democratic alternatives to incumbent systems and methods.

Machine learning is a critical tool in this effort, and as a member of the software engineering team, you will work on building, optimizing, and supporting these machine learning systems both offline and real time.

WHAT YOU'LL DO

  • Build production machine learning models; your models will decide who we lend to in real time, and how we interact with our existing customers
  • Develop the core decisioning service supporting our machine learning models in production
  • Optimize the decisioning service with respect to the accuracy of the underlying models, the latency of different 3rd party data sources, and the expected financial cost of those data sources
  • Develop our understanding of new data sources and how they may improve our existing processes
  • Work closely with Affirm’s credit, risk, and analytics teams to understand our risk modeling strategy and the business drivers underlying that strategy

WHAT WE LOOK FOR

  • Deep understanding and experience with data engineering, data analysis, and statistical modeling, in the development of a real-time service
  • Strong proficiency writing production-quality code, preferably industry engineering experience with machine learning projects (e.g. recommendation, ranking, optimization)
  • Ability to work efficiently both solo and as part of a team; willingness to learn new things
  • Passion and drive to change consumer banking for the better, while developing a deeper understanding of applied machine learning
ABOUT AFFIRM

At Affirm we are using technology to re-imagine and re-build core parts of financial infrastructure to enable friendlier and more transparent financial products and services that improve lives.

We believe the financial industry is fundamentally broken. Not only is the core infrastructure built with technology from the 1970s, but there are a dwindling number of people who say "I trust my bank to look out for me". It doesn’t have to be this way, and it’s our mission to fix this problem.

We are based in San Francisco; founded by Max Levchin (founding CTO PayPal), Jeff Kaditz (CDO DeNA/ngmoco), and Nathan Gettings (founding CTO of Palantir); and building a team of exceptionally talented people to join us on our mission.

About Affirm

Today’s shoppers are more averse than ever to traditional credit—due to decades of compounding interest, hidden fees, and unclear terms. At Affirm, we’re reinventing credit to make it more honest and friendly. Great for Customers We give customers the flexibility to pay over time for their most important purchases, on a schedule that fits their budget. Affirm financing is quick, simple, and transparent—there are no gimmicks like deferred interest, compounding interest, or late fees, so what shoppers see at checkout is exactly what they’ll pay. Great for Businesses We stick to the same principles of honesty and simplicity with both consumers and our retail partners. Our integration is seamless, and we provide dedicated support to help you make the most our our partnership. We want to make it as easy as possible for you to realize the “Affirm boost”—increased AOV, conversion, and customer loyalty.

Want to learn more about Affirm? Visit Affirm's website.