Machine Learning Engineer II (Servicing ML)

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.

• Develop AI systems that automate dispute and chargeback handling using structured evidence and business logic.
• 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.

• 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).
• Comfortable navigating a large code base, debugging others' code, and providing feedback through code reviews.
• Strong verbal and written communication skills.

CAN base pay range per year: $123,000 - $183,000. Employees new to Affirm typically come in at the start of the pay range.

• Health care coverage - Affirm covers all premiums for all levels of coverage for you and your dependents.
• Flexible Spending Wallets - generous stipends for spending on Technology, Food, various Lifestyle needs, and family forming expenses.
• Time off - competitive vacation and holiday schedules.
• ESPP - An employee stock purchase plan enabling you to buy shares of Affirm at a discount.

Remote Canada. Affirm is proud to be a remote-first company! The majority of our roles are remote and you can work almost anywhere within the country of employment.