Analytics Manager, Credit Risk

Join to apply for the Analytics Manager, Credit 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 Credit team works cross‑functionally with Machine Learning, Fraud, Product, Engineering, Capital Markets, and Commercial teams to responsibly manage the risk profile of the business. We’re looking for an intelligent, driven individual who wants to learn, grow, and solve hard problems. The team’s mandate is to enable sustainable growth while closely managing the profitability and resilience of our portfolio. As we continue on an exciting growth trajectory, designing credit strategies for new initiatives and products, partnering with the Machine Learning team to continuously enhance our underwriting framework, and navigating exogenous changes will be key challenges. This role requires extensive cross‑functional partnership and data analytics to derive insights and develop credit strategies. Join us in our mission to change consumer finance through better data and technology, lower costs, and increased transparency while providing the best customer experience. What you’ll do Partner with cross‑functional teams and serve as the Credit POC managing the end‑to‑end credit strategy for the Amazon portfolio Leverage alternative data and optimize our credit strategy to expand credit reach to low‑FICO and credit‑invisible users Partner with the Machine Learning team to enhance our underwriting framework for high AOV Support new product formation and new vertical exploration What we look for 7+ years of work experience in the credit risk field A visionary leader who can challenge the status‑quo and identify opportunities, and develop a roadmap and strategy plan Working knowledge of the fundamentals of the lending industry and credit risk management Fluent in SQL and experience with Python Strong time‑management skills with the ability to multitask and thrive in a fast‑paced environment Ability to collaborate and influence across different teams Clear communication of findings and recommendations to both technical and non‑technical audiences Pay Grade – O Equity Grade – 6 Employees new to Affirm typically start at the beginning of the pay range. We provide a simple, transparent pay structure based on 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 per year: $170,000–220,000 Affirm is proud to be a remote‑first company. The majority of our roles are remote and you can work almost anywhere within your country of employment, with occasional on‑site requirements for certain roles. Benefits Health care coverage – we cover all premiums for all levels of coverage for you and your dependents Flexible Spending Wallets – generous stipends for technology, food, lifestyle needs, and family‑forming expenses Time off – competitive vacation and holiday schedules allowing you to rest and recharge ESPP – employee stock purchase plan enabling you to buy shares at a discount We are committed to providing an inclusive interview experience for all, including people with disabilities. We will 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, and for San Francisco according to the Fair Chance Ordinance, we consider qualified applicants with arrest and conviction records. By clicking "Submit Application", you acknowledge that you have read our Global Candidate Privacy Notice and give informed consent to the collection, processing, use, and storage of your personal information as described therein. Seniority level: Mid‑Senior level Employment type: Full‑time Job function: Finance and Sales Referrals increase your chances of interviewing at Affirm by 2x #J-18808-Ljbffr