About Enterprise Risk & Internal Audit The Enterprise Risk & Internal Audit department protects Affim'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'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 Affim'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.

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.



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.

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. Ability to transition seamlessly between high-level strategic oversight and detailed, hands-on technical work. A BS, MS, or PhD in a quantitative discipline such as Statistics, Quantitative Finance, Mathematics, or Data Science.

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

Equity

Grade - 7 Base pay is part of a total compensation package that may include equity rewards, monthly stipends for health, wellness and tech spending, and perks (including 100% subsidized medical coverage, dental and vision for you and your dependents.) Remote-first with flexibility built in Affim is proud to be a remote-first company. Some positions may occasionally require in-person work at an Affim office, and a few are office-based due to the nature of the work.

Health coverage at no cost: Flexible time off and generous holiday calendars help you rest when you need to. We're committed to providing an inclusive interview process, including accommodations for candidates with disabilities. If you need support, we're happy to help.

📌 Underwriting/Credit Model Risk Senior Manager - Machine Learning (Toronto)
🏢 Affirm
📍 Toronto