Underwriting/Credit Model Risk Senior Manager - Machine Learning

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. The Enterprise Risk & Internal Audit department protects Affirm’s operations and long-term success, identifying, assessing, and monitoring risk across the business.

We are looking for a sharp, driven quantitative professional to join our dynamic Model Risk Management (MRM) team. In this role, you will oversee the underwriting and credit risk validation sector—the most critical pillar of Affirm’s MRM framework. This is a unique position designed for a seasoned technical leader who can build, mentor, and manage a high-performing team while remaining deeply hands-on, personally executing validations of our most complex machine learning models.

• Oversee the underwriting and credit risk validation sector; lead, mentor, and manage a team of quantitative professionals while setting strategic direction.
• Execute rigorous, independent validations of sophisticated machine learning models across underwriting and credit risk management.
• Evaluate conceptual soundness, data integrity, and performance stability through comprehensive testing, in-depth reviews, and continuous monitoring.
• Detect critical model weaknesses and identify areas for improvement; collaborate with model owners and developers to track and resolve validation findings.
• Partner with cross-functional stakeholders to implement and refine the enterprise-wide Model Risk Management (MRM) framework.
• Coordinate with Accounting, Internal Controls, and Compliance teams to ensure all model activities meet or exceed internal standards and regulatory expectations.

• 9+ years of professional experience in a highly technical role, such as model development, model validation, or quantitative analytics.
• Deep understanding of machine learning modeling, underwriting, and credit risk management.
• Advanced ability to script in Python and expertise in using SQL to manipulate and analyze large-scale, complex datasets.
• Proven track record of hiring, managing, and mentoring quantitative teams; ability to transition between high-level strategic oversight and detailed, hands-on technical work.
• BS, MS, or PhD in a quantitative discipline such as Statistics, Quantitative Finance, Mathematics, or Data Science.
• Exceptional interpersonal skills with a proven ability to distill and translate complex technical concepts for diverse audiences.

CAN base pay range per year: $201,000 - $261,000. Total compensation 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).

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.

Apply via the Greenhouse link.