Analyst II, Credit

At Affirm, we exist for the moments that matter,giving people a clear, predictable way to pay over time, with no hidden fees, no surprises, and no tradeoffs on what matters most.

As an Analyst II, Credit, you will assess financial risk related to credit, fraud and identity associated with merchants. You will also coordinate with cross-functional partners to assess non-financial risk – brand, reputational, legal and compliance risk.

The ideal candidate will have knowledge or experience in e-commerce underwriting and/or commercial lending. They will also have a solid understanding of evaluating merchant financial risk based on 3rd party data, credit reports, and other merchant attributes.

Responsibilities:

• Assess brand, compliance, fraud and financial risk and determine credit exposure risk on new and existing merchants
• Use business credit reports, financial documents, investigative research tools, and financial market data to conduct risk assessment of Affirm’s merchants
• Investigate and use new sources of third-party data to assess merchant financial risk
• Conduct ongoing monitoring of credit, fraud, and dispute/chargeback trends by merchants
• Provide guidance towards the automation/improvements of merchant risk evaluation

Requirements:

• 3+ years of experience in assessing merchant risk in a function such as Merchant/Seller Risk Management, Fraud, Collections, or Merchant Underwriting
• Experience working with cross-functional partners across the organization, especially Sales and Business Development teams
• Experience reviewing financial documents, business credit reports and payment processor statements
• Ownership mentality: Demonstrate an appropriate sense of accountability, ownership, urgency and execution

Compensation & Benefits:

• Base Pay Grade - G
• Equity Grade - 3
• Base pay range per year: £66,000 - £76,000
• Benefits include 100% subsidised medical coverage, dental and vision for you and your dependents, monthly stipends for health, wellness and tech spending, and flexible time off and generous holiday calendars.