Analyst Ii, Credit Risk

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 team's core mission is to foster sustainable growth for our platform wallet partnerships, including Apple Pay, Google Pay, and Shop Pay. This involves a crucial balance of managing portfolio profitability and resilience. As Affirm experiences significant growth, key challenges ahead include developing credit policies for new initiatives and products, creating effective risk management strategies and capabilities, shaping ongoing testing and experimentation, and preparing to navigate unforeseen external changes.

This role requires extensive use of data analytics to derive insights and develop credit strategies. It also requires a lot of cross-functional partnership, working with the Data Science and Engineering team to develop new underwriting models and risk management capabilities, with the Product teams to develop new products and features, with the Merchant Pricing team to value different merchants, with the Finance team to help facilitate discussions with debt and equity investors are some parts of the role.

Come 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 Data Science and Engineering on building risk analytics capabilities
- Develop robust life-time valuation infrastructure and capabilities
- Use advanced data analytics and critical thinking to derive insights and optimize credit strategies
- Own risk initiatives within new product formation and new market exploration
- Monitor portfolio as well as macroeconomic trends impacting loan performance. Drive adjustments to our underwriting and marketing strategies to mitigate risk

**What we look for**
- Passion and drive to change banking, payments and online marketing for the better
- 2-4 of years work experience as a data analyst/scientist (consumer credit risk management strongly preferred)
- Undergraduate degree in relevant field
- Curiosity to learn about data, models and algorithms
- Extensive experience with SQL, Python, or other scripting languages
- Ability to collaborate and influence across different teams in the organization
- Ability to communicate findings and recommendations clearly to both technical and non-technical audiences
- A passion for finding insights in data and driving change based on those insights
- Intelligence + Humility. Hubris is the fastest way to blow up a business

**Base Pay Grade** - K

**Equity Grade** - 4

**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 per year: $109,000-159,000

LI-Remote

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.

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

[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.