Analyst I, Merchant Risk

Join to apply for the Analyst I, Merchant Risk role at Affirm 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. The Merchant Risk Analytics team works cross-functionally with Merchant Underwriting, Compliance, Engineering, and other analytics teams to establish scalable risk management for merchant acquisition and portfolio monitoring. We’re looking for an intelligent, driven individual who wants to learn, grow, and solve challenging problems. This role requires strong analytical foundations and a willingness to operate across the full merchant risk lifecycle from onboarding to ongoing monitoring and risk expansion. You will support the development and maintenance of scalable analytics, modeling, automation, and monitoring frameworks as Affirm’s merchant footprint grows. The role emphasizes hands-on execution, learning, and ownership of core analyses and model-driven workflows, while collaborating closely with cross-functional partners. What You’ll Do Support merchant onboarding and ongoing portfolio monitoring through data analysis, modeling and automation workflows. Detect and monitor fraud across the network, responding quickly to emerging risks. Contribute to the development and improvement of scalable monitoring frameworks, controls, and reporting. Assist in identifying gaps and opportunities within existing risk processes. Partner cross-functionally to translate risk requirements into data-driven strategies Leverage AI-assisted tools to accelerate analysis, automate workflows, and support the development of scalable, agentic merchant risk solutions. What We Look For EXPERIENCE - Minimum 1 year of experience in risk management or a related field, including prior experience with analytics. ANALYTICAL THINKING - Strong problem-solving skills with the ability to break down ambiguous problems using data. RESILIENCY - Ability to think creatively and critically, thriving in a fast-paced environment. CURIOSITY - Eagerness to explore new tools and methodologies to solve real-world problems. TECHNICAL SKILLS - Strong coding skills in Python, SQL or other scripting languages; familiarity with agentic / LLM orchestration frameworks. PRODUCT KNOWLEDGE - Passion for understanding how the product works and the broader context of business decisions. AI FLUENCY – Comfortable using AI tools to enhance productivity, analysis, and workflow automation; interest in building or leveraging agentic workflows to solve risk problems. EDUCATION - Bachelor’s degree in a quantitatively rigorous field such as engineering, statistics, optimization, math, finance, or economics. Compensation and Benefits Pay Grade - I Equity Grade - 3 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, 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 per year: $90,000-130,000 Affirm is remote-first. The majority of roles are remote and you can work almost anywhere within the country of employment. Some roles may require occasional office work. Benefits We’re proud to offer competitive benefits anchored to our core value of people come first. Highlights include: Health care coverage - Affirm covers all premiums for all levels of coverage for you and your dependents Flexible Spending Wallets - stipends for Technology, Food, Lifestyle needs, and family forming expenses Time off - vacation and holiday schedules 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. Reasonable accommodations are available during the hiring process. [For U.S. positions that could be performed in Los Angeles or San Francisco] Affirm will consider qualified applicants with arrest and conviction records as required by local law. By clicking "Submit Application," you acknowledge that you have read Affirm's Global Candidate Privacy Notice and consent to the collection, processing, use, and storage of your personal information as described therein. Seniority level: Associate Employment type: Full-time Job function: Sales and Business Development Referrals increase your chances of interviewing at Affirm. #J-18808-Ljbffr