Underwriting/Credit Model Risk Senior Manager - Machine Learning

Affirm is reinventing credit to make it more honest and friendly. We're looking for a senior quantitative leader to manage our Model Risk Management team's underwriting and credit risk validation sector—the cornerstone of our MRM framework. In this hands-on role, you'll build and mentor a high-performing team while personally validating our most complex machine learning models.

About the Role

As Underwriting/Credit Model Risk Senior Manager, you'll lead the validation of sophisticated ML models across Affirm's underwriting and credit risk landscape. This is a dual-focused position: you'll set strategic direction for your team while remaining deeply engaged in technical model review and validation work. You'll partner across the organization to strengthen our Model Risk Management framework and ensure all credit models meet rigorous internal and regulatory standards.

Responsibilities

• Lead, mentor, and manage a team of quantitative professionals focused on underwriting and credit risk validation
• Conduct independent, rigorous validations of machine learning models used in underwriting and credit risk management
• Evaluate model conceptual soundness, data integrity, and performance stability through comprehensive testing and ongoing monitoring
• Identify model weaknesses and collaborate with model owners and developers to remediate validation findings
• Partner with cross-functional teams to implement and refine Affirm's enterprise-wide Model Risk Management framework
• Coordinate with Accounting, Internal Controls, and Compliance to ensure model governance meets internal standards and regulatory requirements

Requirements

• Extensive experience in model risk management, credit risk validation, or quantitative finance roles
• Proven track record leading and mentoring technical teams
• Deep expertise validating machine learning models in underwriting or credit risk contexts
• Strong understanding of model development, testing methodologies, and performance monitoring
• Experience working with regulatory frameworks and internal control environments
• Advanced proficiency in statistical analysis and programming languages commonly used in model validation

Benefits

• Remote position based in Canada
• Opportunity to build and lead a critical team within a fast-growing fintech company
• Hands-on technical work alongside strategic leadership responsibilities
• Direct impact on Affirm's risk framework and long-term resilience