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. Affirm proudly includes Returnly.

The team’s mandate is to enable sustainable growth while closely managing the profitability and resilience of our portfolio. As Affirm continues on an exciting growth trajectory; thinking through credit policies for new initiatives and products, developing effective risk management strategies and capabilities, shaping ongoing testing and experimentation, and being ready for navigating through any exogenous changes will be important problems to tackle.

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 Analytics 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
1-2 years work experience as a data analyst (consumer credit risk management strongly preferred)
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!

Credit Analyst, Full Stack