The Credit team works cross-functionally with Machine Learning, Product, Engineering, Capital Markets, and Commercial teams to responsibly manage the risk profile of the business. We’re looking for a thoughtful, driven individual who wants to learn, grow, and solve hard problems. 
 

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, shaping ongoing testing and experimentation, and being ready for navigating through any exogenous changes will be important problems to tackle. 
 

It also requires a lot of cross-functional partnership. Working with the Machine Learning and Engineering team to develop new underwriting models, 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

• Leverage advanced data analytics to derive insights and optimize credit strategies

• Perform portfolio analytics including out of trend investigations and attribution analysis

• Partner with Machine Learning and Engineering on building effective credit risk capabilities

• Monitor portfolio as well as macroeconomic trends impacting loan performance. Drive adjustments to our underwriting and

  marketing strategies to mitigate risk

• Contribute in enhancing the end-to-end portfolio management monitoring framework
   

What We Look For

• Passion and drive to change banking, payments and online marketing for the better

• 3+ years work experience as a data analyst (consumer credit risk management strongly preferred but not required)

• Curiosity to learn about data, models and algorithms

• Extensive experience with SQL and Python

• 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

• Grit. Lots of grit. You’ll wear 7 hats and not love all of them