Credit Analyst

Full Stack

Confirmed live in the last 24 hours

Locations

Remote in USA

Experience Level

Entry

Junior

Mid

Senior

Expert

Desired Skills

Data Analysis

Data Structures & Algorithms

SQL

Python

Requirements

Passion and drive to change banking, payments and online marketing for the better
1-2 years work experience as a data analyst (consumer credit risk management strongly preferred)
Curiosity to learn about data, models and algorithms
Extensive experience with SQL, Python, or other scripting languages
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
Intelligence + Humility. Hubris is the fastest way to blow up a business!

Responsibilities

Partner with Analytics and Engineering on building risk analytics capabilities
Develop robust life-time valuation infrastructure and capabilities
Use advanced data analytics and critical thinking to derive insights and optimize credit strategies
Own risk initiatives within new product formation and new market exploration
Monitor portfolio as well as macroeconomic trends impacting loan performance. Drive adjustments to our underwriting and marketing strategies to mitigate risk

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 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, developing effective risk management strategies and capabilities, shaping ongoing testing and experimentation, and being ready for navigating through any exogenous changes will be important problems to tackle.

This role requires extensive use of data analytics to derive insights and develop credit strategies. It also requires a lot of cross-functional partnership. Working with the Data Science and Engineering team to develop new underwriting models and risk management capabilities, 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

Partner with Analytics and Engineering on building risk analytics capabilities
Develop robust life-time valuation infrastructure and capabilities
Use advanced data analytics and critical thinking to derive insights and optimize credit strategies
Own risk initiatives within new product formation and new market exploration
Monitor portfolio as well as macroeconomic trends impacting loan performance. Drive adjustments to our underwriting and marketing strategies to mitigate risk

What we look for

Passion and drive to change banking, payments and online marketing for the better
1-2 years work experience as a data analyst (consumer credit risk management strongly preferred)
Curiosity to learn about data, models and algorithms
Extensive experience with SQL, Python, or other scripting languages
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
Intelligence + Humility. Hubris is the fastest way to blow up a business!

USA Pacific base pay range (CA, WA, NY, NJ, CT): $121,000 - $175,500

USA Sapphire base pay range (all other U.S. states): $108,900 - $157,900

#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.

1,001-5,000 employees

Website

Point of sale installment loans for consumers

Company Overview

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.

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.

Company Core Values

People come first: We consider our impact on people’s lives before we think about our own interests.
No fine print: We are completely transparent and honest—with our customers and with each other.
It's on us: We take full accountability for our actions, never shirking responsibility or passing the buck.
Simpler is better: We make complex things simple and clear.
Push the envelope: We never stop innovating, taking smart risks, and raising the bar.