--- title: 'Staff Machine Learning Engineer (Credit International ML) at Affirm' canonical: 'https://feeny.ai/job/staff-machine-learning-engineer-credit-international-ml-affirm-poland-3nfkww4jd8s1' type: 'job' last_seen: '2026-11-08' --- # Staff Machine Learning Engineer (Credit International ML) at Affirm - **Company:** Affirm - **Location:** Poland - **Work type:** remote - **Posted:** 2026-10-28 - **Last confirmed live:** 2026-11-08 - **Apply:** https://job-boards.greenhouse.io/affirm/jobs/8045395003 ## Job description At Affirm, we exist for the moments that matter—giving people a clear, predictable way to pay over time, with no hidden fees, no surprises, and no tradeoffs on what matters most. At Affirm, we exist for the moments that matter—giving people a clear, predictable way to pay over time, with no hidden fees, no surprises, and no tradeoffs on what matters most. ## About the role We are looking for a Staff Machine Learning Engineer to be the technical leader building high-quality production-grade models powering credit lending decisions in countries across Europe and in Australia. You will use novel ML techniques and rich data representations to predict repayment behavior and optimize how we offer loans to our borrowers. In this role, you will help shape the future of how machine learning fuels Affirm’s global expansion. You'll partner with engineering, product, and risk leaders to design, implement, and scale advanced ML solutions that drive critical capabilities across the company. You will mentor engineers, bring clarity to complex, ambiguous problems, and contribute to a cohesive long-term ML strategy. ## What you’ll do - You will be responsible for setting technical strategy for your team on a year-long time scale, and help your team tie it together with critical, business-impacting projects. - You will collaborate with ML Platform, product, engineering, and risk leadership to shape long-term modeling capabilities needed for scalable international expansion. - You will act as a force-multiplier for your team through your definition and advocacy of technical solutions and operational processes. - You will foster a culture of quality and ownership on your team by setting code review and design standards. - You will help develop talent on your team by providing feedback and guidance, and leading by example. ## What we look for - 8+ years of experience researching, designing, deploying, and operating large-scale, real-time machine learning systems. A relevant PhD can count for up to 2 YOE. - Strong Python skills and experience writing production-quality code. - Experience building and evaluating models for tabular classification problems (including gradient-boosted decision trees like LightGBM/XGBoost, and deep learning frameworks like PyTorch). - Experience working with distributed data processing or parallel compute frameworks (e.g. Spark, Ray). - Experience with ML lifecycle tooling for training orchestration, experimentation, and model monitoring (e.g., Kubeflow, Airflow, MLflow). - Proficient in using AI-powered developer tools (e.g., Claude Code, Codex, Cursor) to accelerate the model development lifecycle. - Strong engineering skills and the ability to provide hands-on technical leadership while working with our code and architecture. - Strong verbal and written communication skills that support effective collaboration with our global engineering team. Total Rewards We believe the people building honest financial products at Affirm should share in its success. That's why our total rewards are designed to support your health, growth, financial well-being, and future. In service of our mission, we reward employees through a combination of base pay, equity (from parent company), and comprehensive benefits. Base Pay Grade - P 365,000 zł  -  485,000 zł Base pay ranges and placement within those ranges are determined based on several factors, including role, experience, and job-related skills. In addition to base pay, all employees in this role are eligible to receive equity from the parent company each year. This means as Affirm's parent company grows, employees have the opportunity to share in that growth financially. Affirm Holdings, Inc. Equity Grade example Equity grade: 5 New hire equity: $48,000-$72,000 Annual Refresh: $15,000 Reward equity: $0-$225,000 Affirm also provides flexible spending wallets to all employees for technology and wellbeing related needs, which are reimbursable up to 1390 zł per month. In addition to your compensation, our comprehensive benefits are designed to support you and the people who matter most. Benefits include: - Competitive paid time off, paid public holidays, and additional paid Away Days to rest and recharge. - Comprehensive private healthcare through Lux Med's Platinum package. - A MultiSport card to support your health and well-being. - Learning and development programs to help you grow professionally. - Family healthcare support through Maven and parental leave support through Parentaly. - Mental well-being support through Lyra, including up to 12 confidential counseling or coaching sessions each year for you and your household members. - Financial well-being support through Northstar, with unlimited access to Certified Financial Advisors and planning tools at no cost to you. - Employee Resource Groups (ERGs) that foster connection and inclusion. - Eligibility for creative tax benefits, subject to applicable law, role, and company policy. Location - Remote Poland The majority of our roles can be located anywhere in Poland. This job description is not a contractual document, and is not intended to have binding force. #LI-Remote Remote-first with flexibility built in Affirm is proud to be a remote-first company. Most roles can be done from almost anywhere within the country of employment. Some positions may occasionally require in-person work at an Affirm office, and a few are office-based due to the nature of the work. All new hires will be invited to attend an in-person onboarding experience. ## Benefits designed for you Our benefits reflect our commitment to care, transparency, and flexibility. Here are a few highlights: - Health coverage at no cost: We cover 100% of premiums for employees and their dependents. - Spending stipends: Monthly stipends support your tech setup, and the ability to choose health and wellness options that are right for you. - Time off to recharge: Flexible time off and generous holiday calendars help you rest when you need to. - Own a piece of what you build: Our employee stock purchase plan (ESPP) lets you buy Affirm stock at a discount. We’re committed to providing an inclusive interview process, including accommodations for candidates with disabilities. If you need support, we’re happy to help. For positions based in San Francisco or Los Angeles: Affirm considers qualified applicants with arrest and conviction records, as required by law. By clicking "Submit Application," you acknowledge that you have read Affirm's [Global Candidate Privacy Notice](https://www.affirm.com/global-candidate-privacy-notice) and consent to the use of your personal information as described. ## About Affirm ## Company Overview - **One-liner**: Affirm is a financial technology company that offers transparent, flexible buy now, pay later (BNPL) installment loans, a debit card, and a savings account, enabling consumers to pay over time without hidden fees. - **Entity Type**: Public (NASDAQ: AFRM) - **Headquarters**: San Francisco, California, United States - **Founded**: 2012 - **Founders**: Max Levchin, Nathan Gettings, Jeffrey Kaditz, Alex Rampell ## Core Business - **Primary industry**: Financial services – point-of-sale lending, digital payments, consumer banking. - **Target customers**: B2C (consumers seeking flexible payment options) and B2B (merchants of all sizes, from SMBs to enterprise retailers). - **Mission or purpose statement**: To deliver honest financial products that improve lives, offering transparency with no late fees or hidden charges. ## Products & Services - **Adaptive Checkout**: An AI-powered checkout flow that optimizes payment options for each consumer. - **AdaptAI**: A suite of AI tools for merchants to personalize offers and manage risk. - **BoostAI**: An AI-driven feature that dynamically adjusts installment terms to increase approval rates. - **Split Pay**: A BNPL product that lets consumers split purchases into biweekly payments. - **Affirm Card**: A Visa debit card that allows cardholders to pay over time at any merchant that accepts Visa. - **Affirm Money Account**: A high-yield savings account and debit card, held with Cross River Bank, Member FDIC. ## Market Standing - **Valuation/Market Cap**: USD 5.17 billion (as of July 2026) - **Key Metric**: Annual Revenue – USD 3.22 billion (trailing twelve months as of Q3 FY2026). Total funding raised (including debt financing) – USD 9.57 billion. - **Notable Investors/Partners**: Partners include Bed Bath & Beyond, Royal Caribbean, Stripe (UK), Google, Costco, and Backcountry. Investors include Morgan Stanley, Sixth Street, and CPP Investments. - **Growth Signals**: Nearly 27 million active consumers, 515,000 active merchants, and over $46 billion in Gross Merchandise Volume (LTM as of March 31, 2026). Revenue grew to $3.22B, and the company achieved positive net income of $52M in FY2025. Headcount increased 1.1% YoY to 2,132 employees, with active job postings up 103.8% year-over-year. ## Competitive Advantages - **Transparency-first model**: No late fees, no compounding interest – a key differentiator in the BNPL space. - **Machine learning underwriting**: Proprietary risk models that evaluate each transaction in real-time, reducing defaults while maintaining high approval rates. - **Large merchant network**: 515,000+ active merchants, including major retailers, providing broad consumer reach. - **Integrated ecosystem**: The Affirm Card and Money Account create a sticky financial platform beyond just checkout loans. ## Strategic Focus - **International expansion**: Currently operating in the U.S., Canada, and the UK, with recent partnerships (e.g., Stripe in UK, Royal Caribbean in UK/Canada) signaling further global growth. - **AI & personalization**: Continued investment in AI tools (AdaptAI, BoostAI) to improve merchant conversion and consumer experience. - **Affirm Card growth**: Driving adoption of the card as a daily payment method, with 4.4 million card active consumers. - **Capital partnerships**: Renewing and expanding capital partnerships (e.g., CPP Investments) to fund loan origination. ## Why Work Here - **Remote-first culture**: Most roles are remote within the employee’s home country, with a simple, transparent compensation structure. - **Generous benefits**: 18 weeks of paid parental leave for birth and non-birth parents, plus a 4-week return-to-work transition at full pay. 20 company-wide paid days off (“Away Days”) to collectively recharge. Flexible time off, mental healthcare programs, and “spending wallets” for tech, food, lifestyle, and family planning. - **Learning & development**: Exciting learning programs to level up growth. - **Employee community**: Active employee resource groups and supportive communities. - **Compensation**: Transparent, flexible, remote-first structure. Example: Senior Software Engineer median salary ~$207,029/year. - **Workplace ratings**: 3.8/5 on LinkedIn (638 reviews), with compensation rated 4.4/5, culture 3.6/5, and work-life balance 3.6/5. - **Engineering culture**: Heavy technical team (29% of workforce in engineering/technical roles), with strong talent from PayPal, Amazon, Google, and Stripe. ## Sources 1. [affirm.com/careers](https://www.affirm.com/careers) 2. [linkedin.com/company/affirm](https://www.linkedin.com/company/affirm) 3. 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