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.
About Enterprise Risk & Internal Audit
The Enterprise Risk & Internal Audit department protects Affirm’s operations and long-term success. We identify, assess, and monitor risk across the business. Our work includes internal audits, regulatory assurance, fraud prevention, and crisis planning. The team maintains strong controls, tracks key risk indicators, and ensures readiness for external reviews. We uphold accountability, transparency, and resilience to support responsible growth.
About the Team
We’re looking for an intelligent, driven professional to join our Model Risk Management (MRM) team. This team seeks to establish, maintain and oversee an effective MRM framework to identify, quantify, monitor, mitigate and report on model risk throughout the company. You will have an outstanding opportunity to work cross-functionally to develop a profound understanding of models that drive critical business decisions, and add value to the company by mitigating risks due to ineffective model design or model misuse.
What You’ll Do
Perform independent challenges of machine learning models used for credit underwriting, credit risk, and/or fraud detection through thorough 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
What We Look For
4-6 years of professional experience in related technical areas such as model development, model validation, data science
Deep and broad knowledge and experience in machine learning modeling, credit underwriting, credit risk management, and/or fraud detection and fraud risk management
Proven ability to work with script languages(e.g., Python) and large-scale dataset (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
Oriented toward detail, curious about data/models/algorithms, skilled at critical thinking and problem solving
Extraordinary interpersonal and verbal/written communication skills
Pay Grade - M
Equity Grade - 8
Employees new to Affirm typically come in at the start of the pay range. Affirm focuses on providing a simple and transparent pay structure which is based on a variety of factors, including location, experience and job-related skills. Base pay is part of a total compensation package that 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.)
USA base pay range (CA, WA, NY, NJ, CT) per year: $185,000 - $245,000
USA base pay range (all other U.S. states) per year: $164,000 - $224,000
#LI-Remote
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. Affirmers in proximal roles have the flexibility to work remotely, but will occasionally be required to work out of their assigned Affirm office. A limited number of roles remain office-based due to the nature of their job responsibilities.
We’re extremely proud to offer competitive benefits that are anchored to our core value of people come first. Some key highlights of our benefits package include:
- 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 allowing you to take time off to rest and recharge
- ESPP - An employee stock purchase plan enabling you to buy shares of Affirm at a discount
We believe It’s On Us to provide an inclusive interview experience for all, including people with disabilities. We are happy to provide reasonable accommodations to candidates in need of individualized support during the hiring process.
[For U.S. positions that could be performed in Los Angeles or San Francisco] Pursuant to the San Francisco Fair Chance Ordinance and Los Angeles Fair Chance Initiative for Hiring Ordinance, Affirm will consider for employment qualified applicants with arrest and conviction records.
By clicking "Submit Application," you acknowledge that you have read Affirm's Global Candidate Privacy Notice and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.
Skills Required
- 4-6 years professional experience in model development, model validation, or data science
- Deep knowledge and experience in machine learning modeling, credit underwriting, credit risk management, and/or fraud detection
- Proven ability with scripting languages (e.g., Python) and large-scale datasets (e.g., SQL)
- Extensive experience with machine learning 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, or Computer Science
- Strong attention to detail, curiosity about data/models/algorithms, critical thinking and problem solving
- Extraordinary interpersonal and verbal/written communication skills
What the Team is Saying
Affirm Compensation & Benefits Highlights
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Healthcare Strength — Benefits include comprehensive medical, dental, vision, and robust mental‑health programs, with $0 employee medical premiums for certain plans. Feedback suggests this combination makes coverage both strong and cost‑effective.
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Parental & Family Support — Birth and non‑birth parents receive 18 weeks of fully paid leave plus a four‑week, full‑pay return‑to‑work transition, alongside family‑planning support. Feedback suggests these policies are a standout strength for those planning or growing families.
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Leave & Time Off Breadth — Generous/flexible PTO is augmented by 20 company‑wide Away Days and additional options like “Life Happens Leave.” Feedback suggests the mix enables both collective recharge and personal time away.
Affirm Insights
What We Do
At Affirm, we help people say yes to the things that matter with flexible, transparent ways to pay over time. No hidden fees, no compound interest, and no fine print—just a smarter way to spend.
Why Work With Us
Who is an Affirmer? /noun/ Someone who believes finance shouldn’t be complicated. We come from a diverse set of backgrounds and we’re driven by the desire to improve lives through honest financial products. We define success by challenging one another to bring our best ideas to every single project—and we have fun while doing it.
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Affirm Offices
Remote Workspace
Employees work remotely.
Affirm is a remote-first company! Our employees can work anywhere in the U.S. but if an office is more your style, we have office locations in San Francisco, Chicago, New York City, and Pittsburgh.
