Data Scientist - New Grad 2020

Affirm San Francisco , CA 94118

Posted 2 months ago

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.

Affirm offers services that empower consumers to advance their financial well-being. Our goal is to revolutionize the banking industry to be more accountable and accessible to consumers.

The data science team solves problems critical to Affirm's business model - detecting fraud and assessing creditworthiness in real time. Affirm's innovative products ensure that we cannot use off-the-shelf modeling algorithms and must create novel data science solutions to drive both existing and new products. Some of the routine challenges we face are:

  • How do we detect that an identity is stolen - in real time?
  • How do we underwrite users with short credit histories?
  • How do we do all of the above in < 100 ms?
  • how do we predict consumer lifetime value when we don't observe it?

as a recent university grad, you'll contribute meaningful work that directly impacts our decisioning system, and you'll be part of a growing team of data scientists.

what you'll do

  • build production models that underpin new and existing products.
  • you own the end-to-end workflow of designing, developing, and deploying machine learning models.
  • you coordinate with product managers, engineers, and even legal teams.
  • design experiments and analyze data.
  • your ad-hoc data analyses will decide which policies we adopt, where we expand our business, and which products we create.

past projects:

  • varun developed methods to optimally set consumer credit limits. he used derivative-free optimization to design limits for affirm's point-of-sale product, and he built an end-to-end machine learning framework to train and evaluate models that set guaranteed credit limits prior to checkout for affirm's consumer app product.
  • jessica worked on developing audience targeting models for marketing and contributed to the metrics service in affirm's experimentation platform. she also designed and launched an experiment to test how different agent responses impact user repayment behavior.
  • sid built a calibrator in production that improves our ability to interpret credit model predictions, set critical decisioning thresholds, and evaluate model performance under changing circumstances.

what we look for

  • advanced degree in computer science, mathematics, statistics, or another related field, or equivalent training/fellowship
  • understanding of and experience with machine learning and data analysis through internships, university coursework, or independent study
  • strong programming ability, preferably in python
  • ability to collaborate within and across teams on long-term projects

if you got to this point, we hope you're feeling excited about the job description you just read. even if you don't feel that you meet every single requirement, we still encourage you to apply. we're eager to meet people that believe in affirm's mission and can contribute to our team in a variety of ways not just candidates who check all the boxes.

about affirm

affirm is reinventing credit to make it more honest and friendly. started by paypal co-founder max levchin, affirm gives consumers the flexibility to buy now and make simple monthly payments. unlike other credit options, affirm offers transparent payment terms (no fees or compounding interest), and employs advanced technology to reach a broader consumer population.

at affirm, "people come first" is a core value and that's why diversity and inclusion are vital to our priorities as an equal opportunity employer. you can learn more about our d&i efforts here.

we also consider qualified applicants with arrest and conviction records for positions in accordance with applicable laws, including the san francisco fair chance ordinance. 100="" ms?="" *="" how="" do="" we="" predict="" consumer="" lifetime="" value="" when="" we="" don't="" observe="" it?="" as="" a="" recent="" university="" grad,="" you'll="" contribute="" meaningful="" work="" that="" directly="" impacts="" our="" decisioning="" system,="" and="" you'll="" be="" part="" of="" a="" growing="" team="" of="" data="" scientists.="" what="" you'll="" do="" *="" build="" production="" models="" that="" underpin="" new="" and="" existing="" products.="" *="" you="" own="" the="" end-to-end="" workflow="" of="" designing,="" developing,="" and="" deploying="" machine="" learning="" models.="" *="" you="" coordinate="" with="" product="" managers,="" engineers,="" and="" even="" legal="" teams.="" *="" design="" experiments="" and="" analyze="" data.="" *="" your="" ad-hoc="" data="" analyses="" will="" decide="" which="" policies="" we="" adopt,="" where="" we="" expand="" our="" business,="" and="" which="" products="" we="" create.="" past="" projects:="" *="" varun="" developed="" methods="" to="" optimally="" set="" consumer="" credit="" limits.="" he="" used="" derivative-free="" optimization="" to="" design="" limits="" for="" affirm's="" point-of-sale="" product,="" and="" he="" built="" an="" end-to-end="" machine="" learning="" framework="" to="" train="" and="" evaluate="" models="" that="" set="" guaranteed="" credit="" limits="" prior="" to="" checkout="" for="" affirm's="" consumer="" app="" product.="" *="" jessica="" worked="" on="" developing="" audience="" targeting="" models="" for="" marketing="" and="" contributed="" to="" the="" metrics="" service="" in="" affirm's="" experimentation="" platform.="" she="" also="" designed="" and="" launched="" an="" experiment="" to="" test="" how="" different="" agent="" responses="" impact="" user="" repayment="" behavior.="" *="" sid="" built="" a="" calibrator="" in="" production="" that="" improves="" our="" ability="" to="" interpret="" credit="" model="" predictions,="" set="" critical="" decisioning="" thresholds,="" and="" evaluate="" model="" performance="" under="" changing="" circumstances.="" what="" we="" look="" for="" *="" advanced="" degree="" in="" computer="" science,="" mathematics,="" statistics,="" or="" another="" related="" field,="" or="" equivalent="" training/fellowship="" *="" understanding="" of="" and="" experience="" with="" machine="" learning="" and="" data="" analysis="" through="" internships,="" university="" coursework,="" or="" independent="" study="" *="" strong="" programming="" ability,="" preferably="" in="" python="" *="" ability="" to="" collaborate="" within="" and="" across="" teams="" on="" long-term="" projects="" if="" you="" got="" to="" this="" point,="" we="" hope="" you're="" feeling="" excited="" about="" the="" job="" description="" you="" just="" read.="" even="" if="" you="" don't="" feel="" that="" you="" meet="" every="" single="" requirement,="" we="" still="" encourage="" you="" to="" apply.="" we're="" eager="" to="" meet="" people="" that="" believe="" in="" affirm's="" mission="" and="" can="" contribute="" to="" our="" team="" in="" a="" variety="" of="" ways="" not="" just="" candidates="" who="" check="" all="" the="" boxes.="" about="" affirm="" affirm="" is="" reinventing="" credit="" to="" make="" it="" more="" honest="" and="" friendly.="" started="" by="" paypal="" co-founder="" max="" levchin,="" affirm="" gives="" consumers="" the="" flexibility="" to="" buy="" now="" and="" make="" simple="" monthly="" payments.="" unlike="" other="" credit="" options,="" affirm="" offers="" transparent="" payment="" terms="" (no="" fees="" or="" compounding="" interest),="" and="" employs="" advanced="" technology="" to="" reach="" a="" broader="" consumer="" population.="" at="" affirm,="" "people="" come="" first"="" is="" a="" core="" value="" and="" that's="" why="" diversity="" and="" inclusion="" are="" vital="" to="" our="" priorities="" as="" an="" equal="" opportunity="" employer.="" you="" can="" learn="" more="" about="" our="" d&i="" efforts="" here.="" we="" also="" consider="" qualified="" applicants="" with="" arrest="" and="" conviction="" records="" for="" positions="" in="" accordance="" with="" applicable="" laws,="" including="" the="" san="" francisco="" fair="" chance="">

  • how do we predict consumer lifetime value when we don't observe it?

as a recent university grad, you'll contribute meaningful work that directly impacts our decisioning system, and you'll be part of a growing team of data scientists.

what you'll do

  • build production models that underpin new and existing products.
  • you own the end-to-end workflow of designing, developing, and deploying machine learning models.
  • you coordinate with product managers, engineers, and even legal teams.
  • design experiments and analyze data.
  • your ad-hoc data analyses will decide which policies we adopt, where we expand our business, and which products we create.

past projects:

  • varun developed methods to optimally set consumer credit limits. he used derivative-free optimization to design limits for affirm's point-of-sale product, and he built an end-to-end machine learning framework to train and evaluate models that set guaranteed credit limits prior to checkout for affirm's consumer app product.
  • jessica worked on developing audience targeting models for marketing and contributed to the metrics service in affirm's experimentation platform. she also designed and launched an experiment to test how different agent responses impact user repayment behavior.
  • sid built a calibrator in production that improves our ability to interpret credit model predictions, set critical decisioning thresholds, and evaluate model performance under changing circumstances.

what we look for

  • advanced degree in computer science, mathematics, statistics, or another related field, or equivalent training/fellowship
  • understanding of and experience with machine learning and data analysis through internships, university coursework, or independent study
  • strong programming ability, preferably in python
  • ability to collaborate within and across teams on long-term projects

if you got to this point, we hope you're feeling excited about the job description you just read. even if you don't feel that you meet every single requirement, we still encourage you to apply. we're eager to meet people that believe in affirm's mission and can contribute to our team in a variety of ways not just candidates who check all the boxes.

about affirm

affirm is reinventing credit to make it more honest and friendly. started by paypal co-founder max levchin, affirm gives consumers the flexibility to buy now and make simple monthly payments. unlike other credit options, affirm offers transparent payment terms (no fees or compounding interest), and employs advanced technology to reach a broader consumer population.

at affirm, "people come first" is a core value and that's why diversity and inclusion are vital to our priorities as an equal opportunity employer. you can learn more about our d&i efforts here.

we also consider qualified applicants with arrest and conviction records for positions in accordance with applicable laws, including the san francisco fair chance ordinance.>


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Affirm