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 hidden fees or compounding interest.

The Model Risk Management (MRM) team oversees the underwriting and credit risk validation sector, the most critical pillar of Affirm's MRM framework. This role is for a seasoned technical leader who can build, mentor, and manage a high-performing team while remaining hands-on, personally executing validations of complex machine learning models.

• Oversee the underwriting and credit risk validation sector.
• Lead, mentor, and manage a team of quantitative professionals.
• Execute rigorous, independent validations of sophisticated machine learning models.
• Evaluate conceptual soundness, data integrity, and performance stability.
• Detect model weaknesses and collaborate with model owners to resolve findings.
• Partner with cross-functional stakeholders to refine the enterprise-wide MRM framework.
• Coordinate with Accounting, Internal Controls, and Compliance teams.

• 9+ years of professional experience in model development, validation, or quantitative analytics.
• Deep understanding of machine learning modeling, underwriting, and credit risk management.
• Advanced Python scripting and SQL expertise for large-scale data analysis.
• Proven track record of hiring, managing, and mentoring quantitative teams.
• BS, MS, or PhD in a quantitative discipline (Statistics, Quantitative Finance, Mathematics, Data Science).
• Exceptional communication and analytical skills.

USA base pay range (CA, WA, NY, NJ, CT) per year: $255,000 - $315,000. USA base pay range (all other U.S. states) per year: $227,000 - $287,000. Total compensation may include equity rewards, monthly stipends for health, wellness and tech spending, and benefits.

Affirm covers all premiums for health care coverage for you and your dependents, including dental and vision. Flexible Spending Wallets provide stipends for Technology, Food, Lifestyle needs, and family forming expenses. Competitive vacation and holiday schedules. Employee Stock Purchase Plan (ESPP) enables buying shares at a discount.