Description
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.
The Risk & Analytics (R&A) team makes crucial decisions that direct Affirm’s business strategy. We partner with Machine Learning, Product, Engineering, Capital Markets, and Commercial teams to grow Affirm responsibly by optimizing approval, conversion, losses, and profitability.
As a Senior Analyst in Affirm's Risk & Analytics organization, you will join one of several analytical teams working across the customer and merchant lifecycle. You will operate with autonomy to own the entire analytical lifecycle, from initial question to final business decision.
What You Will Do
- Optimize End-to-End Strategy: Leverage advanced data analytics to independently derive insights, develop, and optimize business, risk, or growth strategies across products and geographies.
- Manage Macro & Market Trends: Monitor portfolio performance and exogenous macroeconomic trends, proactively adjusting analytical and operational strategies to mitigate risk and balance growth.
- Model & Capability Building: Partner deeply with Engineering and Machine Learning teams to design, build, and interpret performance metrics for scalable risk, fraud, or growth models.
- Cross-Functional Leadership: Collaborate closely with Product, Legal, and Compliance teams to interpret evolving regulatory and market requirements, translating them directly into analytical policy and product design recommendations.
- Oversee Frameworks & Launches: Oversee the development and execution of analytical frameworks. Drive cross-functional discussions to ensure new product launches and market entries align with risk appetite, operational capabilities, and local regulations.
- External & Strategic Alignment: Engage with external stakeholders, including merchants, vendors, and partners, to align practices, ensure compliance, and strengthen strategic relationships.
- AI Leverage & Mentorship: Build repeatable AI-assisted workflows that compound across the team's analyses, while mentoring junior analysts on technical craft and domain nuances.
What We Look For
- 2–5 years of proven experience in an analytically driven role within the consumer lending, credit, or fintech industry, specifically leveraging advanced analytics to develop and optimize business strategies.
- Degree in Data Science, Computer Science, Engineering, Economics, or a related quantitative field.
- Advanced proficiency in SQL, Python, or other scripting languages.
- Deep expertise in data mining, data visualization, and statistical modeling, with experience applying machine learning techniques to business or risk management problems.
- Proven experience leading cross-functional initiatives that bridge Product, Legal, Compliance, and Engineering to align analytical strategies with business objectives.
- Strong understanding of consumer lending regulations, regional market dynamics, and the broader economic landscape influencing policy and growth.
- Demonstrated ability to translate complex regulatory and economic insights into actionable strategies.
- Exceptional communication skills with the ability to influence senior stakeholders across technical and non-technical functions.
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 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: $112,000 - $172,000