Teams at Affirm

Assess financial, credit, fraud, identity, brand, compliance, and reputational risks for new and existing merchants. Review business credit reports, financial documents, payment processor statements, investigative research, and market data to determine merchant credit exposure. Monitor credit, fraud, and chargeback trends, investigate third-party data sources, collaborate with Sales and Business Development, and support automation and process improvements in merchant risk evaluation.

Owns delivery of quarterly engineering goals, leads backend engineers through ambiguous problems, collaborates across product and engineering, improves system reliability and quality, supports production operations and on-call efforts, and develops team talent. Builds highly available distributed payment systems for international markets using scalable architectures, strong testing, monitoring, and operational practices.

Manage a team of machine learning engineers developing credit and lending models for international markets. Set technical strategy, guide advanced ML solutions, partner with product, engineering, analytics, design, and risk teams, and ensure scalable underwriting capabilities. Provide hands-on technical leadership, clarify complex problems, manage trade-offs, and mentor engineers while contributing to Affirm’s long-term machine learning strategy.