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.
In our hybrid early career program, you’ll be paired with a tenured Affirmer and have an opportunity to collaborate in-person 3 days a week out of our New York City, or San Francisco offices. You'll experience the best of both worlds: the in-office experience and remote work. After one year, you can remain hybrid, go remote, or stay in an office.
About the Risk & Analytics Team:
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.
About the Role:
As an Early Career Analyst in Affirm's Risk & Analytics organization, you will join one of several analytical teams working across the customer and merchant lifecycle. You will learn the fundamentals of consumer lending while executing scoped analytical work under the guidance of senior analysts and managers.
What You Will Do:
- Derive Insights & Support Strategy: Leverage data analytics to uncover insights that help optimize product, risk, or growth strategies across geographies.
- Monitor Portfolio Health: Assist in tracking performance metrics, user behavior, and macroeconomic trends that impact business outcomes, flagging risks and anomalies to senior team members.
- Technical Execution: Write clean, working SQL and Python to build scalable reporting and partner with Engineering to support the deployment of machine learning and risk models.
- Cross-Functional Collaboration: Work closely with Product, Legal, and Compliance to understand evolving consumer lending regulations and market requirements, assisting in translating them into foundational data models and operational policies.
- Drive Launch Alignment: Support cross-functional discussions to ensure new product launches and market entries align with our operational capabilities and risk appetite.
- AI Fluency & Efficiency: Integrate AI tools into your daily workflows to accelerate data mining and routine tasks, holding the line on verifying outputs.
What We Look For:
- Currently pursuing a Bachelor’s degree or higher with an expectation that you will complete your most recent full-time degree program by August 2027 or earlier; relevant internships or prior experience in the consumer lending, fintech, or broader financial services industry are highly valued.
- Degree in Data Science, Computer Science, Engineering, Economics, Statistics, Math or a related quantitative field preferred.
- Working knowledge of SQL, Python, or other scripting languages.
- Familiarity with data mining, data visualization, and foundational statistical modeling.
- Basic understanding or deep curiosity about consumer lending regulations, fair lending principles, and how machine learning techniques apply to real-world business problems.
- Exceptional communication skills, humility, and the ability to collaborate effectively.
Benefits:
- Health coverage at no cost: We cover 100% of premiums for employees and their dependents.
- Spending stipends: Monthly stipends support your tech setup, and the ability to choose health and wellness options that are right for you.
- Time off to recharge: Flexible time off and generous holiday calendars help you rest when you need to.
- Own a piece of what you build: Our employee stock purchase plan (ESPP) lets you buy Affirm stock at a discount.