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 Enterprise Risk & Internal Audit
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. The team maintains strong controls, tracks key risk indicators, and ensures readiness for external reviews. We uphold accountability, transparency, and resilience to support responsible growth.
About the Team
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. This is a unique position designed for a seasoned technical leader who can build, mentor, and manage a high-performing team while remaining deeply hands-on, personally executing validations of our most complex machine learning models.
You'll collaborate across the company to shape a best-in-class risk framework, ensuring our models are robust, reliable, and ready for the future. If you're passionate about the intersection of finance, credit risk, and data science, this role is for you.
Pay Grade - Q
Equity Grade - 14
Employees new to Affirm typically come in at the start of the pay range. Affirm focuses on providing a simple and transparent pay structure which is based on a variety of factors, including location, experience and job-related skills. Base pay is part of a total compensation package that may include equity rewards, monthly stipends for health, wellness and tech spending, and benefits (including 100% subsidized medical coverage, dental and vision for you and your dependents.)
USA base pay range (CA, WA, NY, NJ, CT) per year: $255,000 - $315,000
USA base pay range (all other U.S. states) per year: $227,000 - $287,000
#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:
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.
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Leads the underwriting and credit risk model validation function, managing and mentoring quantitative professionals while personally validating complex machine learning models and strengthening enterprise risk practices.
Lead independent validation of credit decisioning and risk models, using statistical analysis and machine learning expertise to assess model performance, strengthen governance, and challenge lending strategies.
Leads a team overseeing independent model validation, governance and reporting, providing effective challenge and senior-level advice to strengthen model risk controls and support responsible use of analytical technologies.
Own the independent second-line technology and cyber risk function, challenging security controls and translating risk into quantified views for leadership and the board while building risk, AI governance, and vendor diligence programs.
Lead SentiLink’s Fraud Intelligence Team, improving operational performance and quality while turning frontline fraud observations into measurable prevention impact and developing future talent.
