AI ML Engineering Jobs at Affirm with Visa Sponsorship
Affirm builds AI and machine learning into the core of its buy-now-pay-later platform, and its engineering teams work on credit risk models, fraud detection, and personalization systems. Affirm has a consistent track record of sponsoring work visas for qualified AI ML engineers across multiple visa categories.
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Get Access To All JobsINTRODUCTION
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 Fraud Machine Learning team builds models that power critical decisions during the loan application process, protecting Affirm and its customers from fraud while maintaining a seamless user experience. As a manager, you will lead a team of ML engineers developing and improving models that detect and prevent abuse in a rapidly evolving, adversarial environment.
In this role, you will define the technical and modeling strategy for fraud detection, guiding the team across the full machine learning lifecycle from feature development and experimentation to production deployment and monitoring. You will partner closely with Product, Fraud Analytics, Risk, and Platform teams to ensure high-quality models are effectively integrated into decisioning systems. You will also help drive the evolution of modeling approaches at Affirm, including the adoption of representation learning and transformer-based techniques to better capture complex behavioral patterns.
ROLE AND RESPONSIBILITIES
- Set the technical and modeling strategy for fraud detection, aligning team efforts with key business outcomes such as fraud loss reduction, approval rates, and customer experience
- Lead a team of machine learning engineers to design, build, and iterate on high-impact fraud models across the full ML lifecycle, from experimentation to production
- Drive the evolution of modeling approaches, including the adoption of representation learning, transformer-based methods, and other advanced techniques for modeling complex behavioral data
- Partner cross-functionally with Product, Fraud Analytics, Risk, and Engineering to define solutions, evaluate trade-offs, and ensure models are effectively integrated into decisioning systems
- Develop talent by coaching engineers, providing feedback, and fostering a high-performing team culture grounded in technical excellence and ownership
BASIC QUALIFICATIONS
What we look for
- Bachelor's in a technical field with 8+ years of industry experience, including 3+ years managing engineers
- Experience with modern ML approaches, including representation learning, deep learning, or transformer-based models, as well as traditional methods such as gradient-boosted trees
- Proven ability to lead teams delivering end-to-end ML solutions in production environments, including experimentation, evaluation, and model iteration in production
- Strong engineering fundamentals and experience working with scalable systems and data pipelines
- Track record of effective cross-functional collaboration with product, analytics, and engineering partners
- Ability to operate in ambiguous, fast-evolving environments and drive clarity, prioritization, and execution
- This position requires either equivalent practical experience or a Bachelor's degree in a related field.
COMPENSATION
Pay Grade - P
Equity Grade - 13
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: $225,000 - $275,000
USA base pay range (all other U.S. states) per year: $200,000 - $250,000
LOCATION
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.
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.
INTRODUCTION
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 Fraud Machine Learning team builds models that power critical decisions during the loan application process, protecting Affirm and its customers from fraud while maintaining a seamless user experience. As a manager, you will lead a team of ML engineers developing and improving models that detect and prevent abuse in a rapidly evolving, adversarial environment.
In this role, you will define the technical and modeling strategy for fraud detection, guiding the team across the full machine learning lifecycle from feature development and experimentation to production deployment and monitoring. You will partner closely with Product, Fraud Analytics, Risk, and Platform teams to ensure high-quality models are effectively integrated into decisioning systems. You will also help drive the evolution of modeling approaches at Affirm, including the adoption of representation learning and transformer-based techniques to better capture complex behavioral patterns.
ROLE AND RESPONSIBILITIES
- Set the technical and modeling strategy for fraud detection, aligning team efforts with key business outcomes such as fraud loss reduction, approval rates, and customer experience
- Lead a team of machine learning engineers to design, build, and iterate on high-impact fraud models across the full ML lifecycle, from experimentation to production
- Drive the evolution of modeling approaches, including the adoption of representation learning, transformer-based methods, and other advanced techniques for modeling complex behavioral data
- Partner cross-functionally with Product, Fraud Analytics, Risk, and Engineering to define solutions, evaluate trade-offs, and ensure models are effectively integrated into decisioning systems
- Develop talent by coaching engineers, providing feedback, and fostering a high-performing team culture grounded in technical excellence and ownership
BASIC QUALIFICATIONS
What we look for
- Bachelor's in a technical field with 8+ years of industry experience, including 3+ years managing engineers
- Experience with modern ML approaches, including representation learning, deep learning, or transformer-based models, as well as traditional methods such as gradient-boosted trees
- Proven ability to lead teams delivering end-to-end ML solutions in production environments, including experimentation, evaluation, and model iteration in production
- Strong engineering fundamentals and experience working with scalable systems and data pipelines
- Track record of effective cross-functional collaboration with product, analytics, and engineering partners
- Ability to operate in ambiguous, fast-evolving environments and drive clarity, prioritization, and execution
- This position requires either equivalent practical experience or a Bachelor's degree in a related field.
COMPENSATION
Pay Grade - P
Equity Grade - 13
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: $225,000 - $275,000
USA base pay range (all other U.S. states) per year: $200,000 - $250,000
LOCATION
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.
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.
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Get Access To All JobsTips for Finding AI ML Engineering Jobs at Affirm Jobs
Align your portfolio to fintech ML problems
Affirm's ML roles center on credit underwriting, risk scoring, and real-time fraud detection. Frame your prior work around similar domains, even if it came from adjacent industries like e-commerce or insurance, so your credentials map directly to their tech stack.
Confirm your visa type before applying
Affirm sponsors H-1B, TN, and Green Card pathways, but eligibility depends on your nationality and current status. Clarifying which category applies to you before you apply prevents misfiled petitions and avoids gaps between OPT expiration and H-1B cap-subject filing windows.
Target roles with regulatory ML scope
Positions touching credit model explainability or fair lending compliance at a lender like Affirm tend to have well-defined specialty occupation arguments, which strengthens an H-1B petition. Look for job descriptions that mention model governance, bias auditing, or regulatory reporting.
Use Migrate Mate to surface open AI ML roles
Affirm posts AI ML Engineering positions across multiple job boards and their careers page. Use Migrate Mate to filter specifically for Affirm roles that include visa sponsorship, so you're not manually screening dozens of listings that exclude international candidates.
Negotiate offer timing around USCIS filing windows
H-1B cap-subject petitions can only be filed once per year with an October 1 start date. If you receive an offer outside that window, ask your recruiting contact whether Affirm will bridge your status through OPT cap-gap or another extension while you wait.
Prepare for PERM labor market evidence early
If Affirm pursues an EB-2 or EB-3 Green Card for you, DOL requires a PERM labor market test before the petition moves forward. Documenting that your ML specialization, such as deep learning for credit risk, is genuinely scarce in the local labor market supports that process.
AI ML Engineering at Affirm jobs are hiring across the US. Find yours.
Find AI ML Engineering at Affirm JobsFrequently Asked Questions
Does Affirm sponsor H-1B visas for AI ML Engineers?
Yes, Affirm sponsors H-1B visas for AI ML Engineering roles. As a financial technology company, Affirm regularly files H-1B petitions for engineers working on credit models, fraud detection, and personalization systems. Sponsorship is typically handled through their in-house legal team, and offers for qualifying roles generally include an explicit sponsorship commitment.
How do I apply for AI ML Engineering jobs at Affirm?
Apply directly through Affirm's careers page or browse open roles filtered by visa sponsorship on Migrate Mate. Tailor your application to highlight ML experience relevant to financial services, particularly credit risk, fraud, or recommendation systems. Affirm's interview process for ML roles typically includes a technical screen, a machine learning system design round, and a coding assessment.
Which visa types does Affirm commonly use for AI ML Engineering roles?
Affirm sponsors H-1B visas for cap-subject candidates and supports F-1 OPT and CPT for students already in the U.S. Canadian and Mexican nationals working in ML engineering may qualify for TN status under NAFTA-defined computer systems analyst or engineer categories. For longer-term pathways, Affirm also sponsors EB-2 and EB-3 Green Card petitions through DOL-certified PERM applications.
What qualifications does Affirm expect for AI ML Engineering roles?
Affirm generally looks for a bachelor's or master's degree in computer science, statistics, or a related quantitative field, plus hands-on experience building and deploying ML models in production environments. For senior roles, experience with credit scoring, risk modeling, or large-scale recommendation systems is a strong differentiator. Proficiency in Python and familiarity with distributed training frameworks are standard requirements.
How do I time my application around H-1B filing deadlines?
USCIS opens H-1B cap registrations in March each year, with an October 1 start date for selected petitions. If you're on F-1 OPT, confirm your OPT expiration date and whether you qualify for the 24-month STEM extension, which gives you additional runway. Affirm's recruiting team can work with these windows, but surfacing the timeline early in the offer conversation prevents last-minute complications.
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