Analytics Lead, Card Platform

Affirm is reinventing credit to make it more honest and friendly, giving consumers the flexibility to buy now and pay later without any hidden fees or compounding interest. With over 5M Affirm Cards and $10B in annual GMV, Affirm Cards are the backbone of Affirm’s direct to consumer strategy. Unlike traditional debit or credit cards, Affirm Cards are loan-backed, which means every swipe requires instant precision. The Affirm Card Platform ensures everything from card issuance and transaction processing to ledgers, disputes, and reconciliations runs smoothly. Our platform not only powers the Affirm Card but also select merchant integrations, mobile wallet partnerships and international expansion efforts. In 2026, we will unlock our next Card product growth vector through partnerships with FIS Global and other card issuer processors to bring Affirm Card’s pay-over-time capabilities into partner bank debit cards. We are looking for an Analytics Lead to support our Partner Bank Debit Program and other card platform expansion investments. This role blends hands-on, detailed payment network analytics with cross-functional, client facing partnership work. The ideal candidate is as comfortable evaluating and negotiating investment opportunities filled with ambiguity as they are parsing through messy card-network data to deliver crisp insights and business recommendations. Your work will directly lift transaction success, improve economics, and expand Affirm acceptance across online and offline checkout experiences. Responsibilities Build the core measurement fabric for card expansion launches: launch readiness dashboards, KPI definitions, and scenario analyses used to evaluate partner pilots and scale decisions. Support RFPs & commercial diligence for potential card issuance partners Build opportunity sizings and program investment frameworks that consider opportunity size in light of estimated integration efforts Evaluate different card onboarding, checkout and transaction processing flows to improve card acceptance, increase customer adoption and drive customer satisfaction Participate in deep technical design discussions within the team, and across partner teams, to ensure that we're building the right systems and keeping the quality high Partner closely with Product and Engineering leadership to establish metrics frameworks, tie results to OKRs, and drive product strategy Build reliable self-serve dashboards and monitoring for card usage, transaction success, dispute rates, and program economics Expand Affirm acceptance in digital wallets, leading consumer bank apps, international markets and other new checkout modalities What we look for 7+ years in analytics or data science (must have experience in cards, payments, fintech, etc). Bonus points for knowledge of the card transaction lifecycle Fluency in SQL; comfort with Python/R; strong grounding in experimentation Knowledge of payments and lending economics Experience building analytics for zero-to-one product launches and integrations Ability to influence executives and engineers alike with clarity and conviction. A bias for action—and a knack for automating away the boring stuff Compensation and Benefits Pay Grade - M Equity Grade - 5 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.) CAN base pay range (CA, WA, NY, NJ, CT) per year: $142,000-192,000 Affirm is proud to be a remote-first company The majority of our roles are remote and you can work almost anywhere within the country of employment. Affirmers in proximal roles have the flexibility to work remotely, but will occasionally be required to work out of their assigned Affirm office. A limited number of roles remain office-based due to the nature of their job responsibilities. Benefits We’re extremely proud to offer competitive benefits that are anchored to our core value of people come first. Some key highlights of our benefits package include: Health care coverage - Affirm covers all premiums for all levels of coverage for you and your dependents Flexible Spending Wallets - generous stipends for spending on Technology, Food, various Lifestyle needs, and family forming expenses Time off - competitive vacation and holiday schedules allowing you to take time off to rest and recharge ESPP - An employee stock purchase plan enabling you to buy shares of Affirm at a discount We believe It’s On Us to provide an inclusive interview experience for all, including people with disabilities. We are happy to provide reasonable accommodations to candidates in need of individualized support during the hiring process. [For U.S. positions that could be performed in Los Angeles or San Francisco] Pursuant to the San Francisco Fair Chance Ordinance and Los Angeles Fair Chance Initiative for Hiring Ordinance, Affirm will consider for employment qualified applicants with arrest and conviction records. By clicking "Submit Application," you acknowledge that you have read Affirm's Global Candidate Privacy Notice and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein. #J-18808-Ljbffr