# Underwriting/Credit Model Risk Senior Manager - Machine Learning

**Company**: Affirm
**Location**: Remote US
**Work arrangement**: remote
**Experience**: senior
**Job type**: full-time
**Salary**: $255,000 - $315,000
**Category**: Finance
**Industry**: Finance

**Apply**: https://job-boards.greenhouse.io/affirm/jobs/7822286003?utm_source=yubhub.co&utm_medium=jobs_feed&utm_campaign=apply
**Canonical**: https://yubhub.co/jobs/job_3407e8a5-573

## 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.

The Enterprise Risk & Internal Audit department protects Affirm’s operations and long-term success. We identify, assess, and monitor risk across the business. Our work includes internal audits, regulatory assurance, fraud prevention, and crisis planning.

We're looking for a sharp, driven quantitative professional to join our dynamic Model Risk Management (MRM) team. In this role, you will oversee the underwriting and credit risk validation sector - the most critical pillar of Affirm’s MRM framework.

**Responsibilities**

- Sector Leadership & Team Management: Oversee the underwriting and credit risk validation sector. Lead, mentor, and manage a team of talented quantitative professionals while setting the strategic direction for this critical risk domain.

- Hands-On Model Validation: Execute rigorous, independent validations of sophisticated machine learning models across underwriting and credit risk management.

- Technical Review: Evaluate conceptual soundness, data integrity, and performance stability through comprehensive testing, in-depth reviews, and continuous monitoring to ensure model accuracy.

- Identification & Remediation: Detect critical model weaknesses and identify areas for improvement; collaborate with model owners and developers to track and resolve validation findings.

- Framework Enhancement: Partner with cross-functional stakeholders to implement and refine the enterprise-wide Model Risk Management (MRM) framework, ensuring it remains robust and innovative.

- Audit & Compliance: Coordinate with Accounting, Internal Controls, and Compliance teams to ensure all model activities meet or exceed internal standards and regulatory expectations.

**Requirements**

- Experience: 9+ years of professional experience in a highly technical role, such as model development, model validation, or quantitative analytics.

- Domain Expertise: Deep understanding of machine learning modeling, underwriting, and credit risk management.

- Technical Proficiency: Advanced ability to script in Python and expertise in using SQL to manipulate and analyze large-scale, complex datasets.

- Leadership & Influence: Proven track record of hiring, managing, and mentoring quantitative teams. Ability to transition seamlessly between high-level strategic oversight and detailed, hands-on technical work.

- Education: A BS, MS, or PhD in a quantitative discipline such as Statistics, Quantitative Finance, Mathematics, or Data Science.

- Analytical Mindset: A natural problem-solver with a meticulous eye for detail, a deep curiosity regarding model mechanics, and sharp critical-thinking skills.

- Communication: Exceptional interpersonal skills with a proven ability to distill and translate complex technical concepts for diverse audiences.

**Benefits**

- 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.

## Skills

### Required
- Python
- SQL
- machine learning
- quantitative analytics
- model validation

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Source: [Apply at job-boards.greenhouse.io](https://job-boards.greenhouse.io/affirm/jobs/7822286003?utm_source=yubhub.co&utm_medium=jobs_feed&utm_campaign=apply)