Manager, Machine Learning Engineering (Repayment & Recovery)

Affirm is hiring a Manager for Machine Learning Engineering to lead the Repayment & Recovery ML group. This remote UK-based role focuses on building and scaling machine learning models that predict borrower repayment behavior, optimize collections strategies, and mitigate losses across the post-origination credit lifecycle. You will manage a team of ML engineers, set technical strategy, and collaborate with product, engineering, and risk leadership to deliver high-impact solutions.

Responsibilities

• Define and execute technical strategy for the ML team, aligning initiatives with business objectives in repayment, collections, recovery, and loss mitigation.
• Provide hands-on technical leadership and mentorship to ML engineers, offering feedback, guidance, and clear examples of technical excellence.
• Partner with product management, design, analytics, and risk teams to ensure technical sustainability, risk assessment, and informed trade-off decisions throughout the product development lifecycle.
• Serve as a force-multiplier by advocating for technical solutions and establishing operational processes that enhance team effectiveness.

Requirements

• Bachelor's degree in a technical field.
• 8+ years of industry experience in machine learning or software engineering.
• 3+ years of experience managing engineers.
• Hands-on background in post-origination credit modeling (collections, repayment, recovery, loss mitigation, early-warning systems, or behavioral risk).
• Proficiency in machine learning techniques including tree-based models, transformers, deep learning, and agentic ML.
• Strong engineering fundamentals with the ability to work hands-on across low-level code, architecture decisions, and large-scale systems design.

Benefits

• Base Pay Grade P.
• Equity Grade 7.