Machine Learning Jobs at Affirm with Visa Sponsorship
Affirm's Machine Learning teams work on credit risk modeling, fraud detection, and real-time decisioning infrastructure in a regulated fintech environment. The company has a consistent track record of sponsoring work visas for ML talent, supporting candidates from early-stage OPT through long-term employment-based immigration.
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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.
See all 34+ Machine Learning at Affirm jobs
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Get Access To All JobsTips for Finding Machine Learning Jobs at Affirm Jobs
Frame your ML experience around financial risk
Affirm's ML roles sit at the intersection of consumer credit and model governance. Highlighting experience with risk scoring, loss forecasting, or compliance-aware modeling signals fit with the regulatory constraints fintech ML teams actually work under.
Verify your OPT STEM extension eligibility early
F-1 holders in ML roles at Affirm typically qualify for the 24-month STEM OPT extension. Confirm your degree's CIP code qualifies with your DSO before your initial OPT expires, so your 60-day grace period doesn't create a gap in your authorization timeline.
Target roles that use production ML systems
Affirm sponsors most consistently for roles where ML is core to the product, not exploratory. Job postings referencing model deployment, feature pipelines, or real-time inference indicate the kind of specialized need that typically drives H-1B and employment-based green card filings.
Understand the H-1B cap and Affirm's filing window
H-1B registration opens in March for an October 1 start date. If you're not selected in the lottery, Affirm's ML roles in credit infrastructure may qualify for cap-exempt filings through affiliated research institutions. Confirm this pathway with your recruiter early in the process.
Prepare documentation that maps your degree to the role
USCIS requires a direct relationship between your field of study and the specialty occupation. For ML roles, a degree in computer science, statistics, or applied mathematics strengthens the petition. If your degree is adjacent, a credentials evaluation letter from a NACES-approved evaluator reduces RFE risk.
Search Affirm ML roles through Migrate Mate
Affirm lists ML openings across multiple teams with different sponsorship profiles. Use Migrate Mate to filter active roles by visa type so you can identify which positions align with your current status before reaching out to a recruiter.
Machine Learning at Affirm jobs are hiring across the US. Find yours.
Find Machine Learning at Affirm JobsFrequently Asked Questions
Does Affirm sponsor H-1B visas for Machine Learning roles?
Yes, Affirm sponsors H-1B visas for Machine Learning positions. ML roles in credit risk, fraud detection, and model infrastructure are core to Affirm's product, which means they represent the kind of specialized, degree-dependent need that supports H-1B petitions. If you're subject to the annual cap lottery, confirm timing with your recruiter since registration opens each March for an October start.
How do I apply for Machine Learning jobs at Affirm?
Apply through Affirm's careers page or browse current openings filtered by visa sponsorship type on Migrate Mate. ML roles at Affirm typically require a technical screen, a take-home or live coding assessment focused on ML fundamentals, and a system design round. Mentioning your visa status early in the recruiter call avoids surprises late in the process.
Which visa types does Affirm commonly use for Machine Learning hires?
Affirm sponsors H-1B, F-1 OPT, F-1 CPT, and TN visas for ML roles, and supports EB-2 and EB-3 green card filings for longer-term employment. F-1 holders in ML typically qualify for the 24-month STEM OPT extension given the degree requirements for these roles. TN sponsorship is available for Canadian and Mexican nationals in qualifying occupations.
What qualifications does Affirm expect for Machine Learning positions?
Affirm's ML roles generally require a bachelor's or master's degree in computer science, statistics, applied mathematics, or a closely related field. Practical experience with model training pipelines, feature engineering, and production deployment matters more than academic credentials alone. Roles in credit risk or fraud modeling also value familiarity with regulatory environments and explainability requirements common in consumer finance.
How do I time my application around my visa status at Affirm?
If you're on OPT, apply with enough runway to complete the interview process and allow Affirm time to file an H-1B petition or process a status change before your authorization expires. USCIS premium processing can reduce H-1B adjudication to 15 business days if timing is tight. Coordinate your start date with the recruiter explicitly so HR can build the filing timeline around your situation.
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