Full-Time

Analyst II

Credit Risk, International Markets

Posted on 8/27/2024

Affirm

Affirm

1,001-5,000 employees

Provides buy now, pay later financing solutions

Fintech
Financial Services

Compensation Overview

$109k - $159kAnnually

+ Equity Rewards + Monthly Stipends

Mid

Remote in USA

Category
Risk Management
Finance & Banking
Required Skills
Python
Data Science
Apache Spark
SQL
Data Analysis
Requirements
  • 2-4 years of work experience as a data analyst/data scientist (consumer credit risk management strongly preferred but not required)
  • Extensive experience with SQL and Python, or other scripting languages. Experience with Spark is a plus
  • Experience/knowledge with Machine Learning is a plus
  • This position requires either equivalent practical experience or a Bachelor’s degree in a related field
Responsibilities
  • Leverage experimentation and advanced data analytics to derive insights. Dissect complex data and translate it into actionable strategies to help optimize credit underwriting
  • Determine and optimize purchasing power, ensuring they are set optimally to balance risk and growth, driving healthy user engagement
  • Play a pivotal role in underwriting cost saving, managing risk and improving the profitability
  • Support the launch of new products by designing and implementing credit strategies
  • Partner with Machine Learning and Engineering teams on building effective credit risk capabilities

Affirm offers point-of-sale financing solutions as an alternative to traditional credit cards, primarily targeting consumers seeking flexible payment options and merchants wanting to provide these plans. Its main service is "buy now, pay later" (BNPL), allowing consumers to make purchases and pay over time through installment plans without hidden fees or deferred interest. Affirm partners with various merchants to integrate its payment solutions into their sales platforms, whether online or in-store, using user-friendly plugins and APIs. The company generates revenue from interest and fees on installment loans and from merchants who pay to offer Affirm's financing options. Additionally, Affirm provides a merchant dashboard for transaction processing and marketing support, helping businesses increase conversion rates and enhance customer purchasing power.

Company Stage

IPO

Total Funding

$1.1B

Headquarters

San Francisco, California

Founded

2012

Growth & Insights
Headcount

6 month growth

4%

1 year growth

9%

2 year growth

-10%
Simplify Jobs

Simplify's Take

What believers are saying

  • Affirm's partnership with Adyen expands its reach in the Canadian market.
  • The $4 billion capital partnership with Sixth Street boosts Affirm's financial stability.
  • Affirm's new merchant partnerships enhance its market presence and consumer engagement.

What critics are saying

  • Increased competition from tech giants like Apple could threaten Affirm's market share.
  • Expansion to Adyen's platform may expose Affirm to new regulatory challenges in Canada.
  • Reliance on large retailers like Walmart could lead to conflicts of interest.

What makes Affirm unique

  • Affirm offers transparent payment plans with no hidden fees, unlike traditional credit cards.
  • Affirm partners with over 2,000 merchants, providing diverse shopping options for consumers.
  • Affirm's user-friendly APIs enable seamless integration with online and in-store platforms.

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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