INACTIVE

Full-Time

Backbook Risk Lead Analyst

Posted on 1/26/2023

Affirm

1,001-5,000 employees

Point of sale installment loans for consumers

Data & Analytics

Financial Services

Consumer Goods

Compensation Overview

$146,100 - $243,500

Senior

Remote in USA

Required Skills

Python

SQL

Data Analysis

Requirements

5-8 years of work experience in Risk management within Fintech/Banking
Proficient in SQL, Experience with Python
A standout colleague with the ability to collaborate and influence across different teams in the organization
Ability to express concepts in concise fashion both in writing (policy writing experience is preferred) and verbally. Ability to communicate findings and recommendations clearly to both technical and non-technical audiences
Bachelor's or Master's degree in a quantitatively rigorous subject area like engineering, statistics, math, finance, economics, computer science desired
Proven understanding of risk fundamentals (experience with both consumer and business risk management practices, an understanding of industry risk trends)
Strong time management skills and the ability to lead multiple projects and priorities in parallel

Responsibilities

In collaboration with Machine Learning, Growth Analytics and Finance team develop and continually refine robust forecasting for the backbook incorporating impact from strategy modifications being implemented by Risk, Machine Learning, and Product
Develop and implement the feedback loop with Frontbook Risk Strategy, Backbook Risk Strategy, Provisions, and Product based on observed backbook performance in combination with the macroeconomic outlook
Develop, implement, and evolve repayment and modification tools strategies and policies
Development and implementation of the monitoring framework, provisions, and bureau furnishing for the backbook for international division of Affirm

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 Backbook Risk team is responsible for Affirm’s backbook performance, monitoring, and forecasting globally. Team works cross-functionally with Credit Risk, Compliance, Machine Learning, Product, Engineering, Operations, Growth Analytics, and Finance teams to define and ensure execution of the Backbook Risk strategy to assert adherence to the Risk Appetite.

This role requires a lot of cross-functional partnership. This individual will be supporting the Director in integrating backbook related work streams within the Risk function.

What you’ll do

In collaboration with Machine Learning, Growth Analytics and Finance team develop and continually refine robust forecasting for the backbook incorporating impact from strategy modifications being implemented by Risk, Machine Learning, and Product
Develop and implement the feedback loop with Frontbook Risk Strategy, Backbook Risk Strategy, Provisions, and Product based on observed backbook performance in combination with the macroeconomic outlook
Develop, implement, and evolve repayment and modification tools strategies and policies
Development and implementation of the monitoring framework, provisions, and bureau furnishing for the backbook for international division of Affirm

What we look for

5-8 years of work experience in Risk management within Fintech/Banking
Proficient in SQL, Experience with Python
A standout colleague with the ability to collaborate and influence across different teams in the organization
Ability to express concepts in concise fashion both in writing (policy writing experience is preferred) and verbally. Ability to communicate findings and recommendations clearly to both technical and non-technical audiences
Bachelor’s or Master’s degree in a quantitatively rigorous subject area like engineering, statistics, math, finance, economics, computer science desired
Proven understanding of risk fundamentals (experience with both consumer and business risk management practices, an understanding of industry risk trends)
Strong time management skills and the ability to lead multiple projects and priorities in parallel

USA Pacific base pay range (CA, WA, NY, NJ, CT): $162,400 - $243,500

USA Sapphire base pay range (all other U.S. states): $146,100 - $219,200

#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 hire.

We have a simple and transparent remote-first grade-based compensation structure. Offer amounts within the range are based on a number of factors including but not limited to job-related skills, experience, and relevant education or training. Across the broader organization, certain roles are eligible for equity awards upon hire, promotion, tenure milestones and for performance.

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

We believe It’s On Us to provide an inclusive interview experience for all, including people with disabilities. We are happy to provide reasonable accommodations to candidates in need of individualized support during the hiring process.

By clicking "Submit Application," you acknowledge that you have read the Affirm Employment Privacy Policy for applicants within the United States, the EU Employee Notice Regarding Use of Personal Data (Poland) for applicants applying from Poland, the EU Employee Notice Regarding Use of Personal Data (Spain) for applicants applying from Spain, or the Affirm U.K. Limited Employee Notice Regarding Use of Personal Data for applicants applying from the United Kingdom, and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.

Affirm

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Website

View Company Profile

Affirm seeks to deliver honest financial products—to improve lives. The company operates a buy-now-pay-later platform for consumers at the point of sale.

Company Stage

IPO

Total Funding

$2.9B

Headquarters

San Francisco, California

Founded

2012

Growth & Insights

Headcount

6 month growth

↑ 1%

1 year growth

↓ -2%

2 year growth

↑ 0%

Benefits

Spending wallets: Access tech, food, lifestyle, and family planning wallets for your expenses

Supportive communities: Get involved with our employee resource groups and community groups

Remote-first workforce: If your role is remote, you can set up shop anywhere in your home country

Generous time off: Take the time you need when life happens

Health benefits: Get a plan that fits your needs

Mental healthcare: Take care of your mind with great mental health programs

Parental leave: Birth and non-birth parents get 18 weeks paid leave. Plus, a 4-week return-to-work transition program, at full base pay.

Compensation: We have a simple, flexible, and transparent remote-first compensation structure so you can make the best decisions for yourself and your family.

Away days: We offer 24 company-wide paid days off—which help our teams collectively pause to recharge.

Learning & development: Engage in exciting learning programs to level up your growth.

INACTIVE