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Full-Time

Analyst II

Credit Risk, International Markets

Confirmed live in the last 24 hours

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
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 provides point-of-sale financing solutions as an alternative to traditional credit cards. Its main service is the "buy now, pay later" (BNPL) model, which allows consumers to make purchases and pay for them over time through installment plans, often without hidden fees. Affirm partners with merchants to integrate its payment solutions into both online and in-store shopping experiences, using user-friendly plugins and APIs. This integration requires minimal technical effort from merchants. Affirm generates revenue through interest and fees on the loans it offers to consumers, as well as fees from merchants who use its services. Additionally, it provides a merchant dashboard for transaction processing and marketing support, helping businesses increase conversion rates and enhance customer purchasing power. The goal of Affirm is to offer flexible payment options that benefit both consumers and merchants in the e-commerce and retail markets.

Company Stage

IPO

Total Funding

$2.9B

Headquarters

San Francisco, California

Founded

2012

Growth & Insights
Headcount

6 month growth

4%

1 year growth

4%

2 year growth

-11%
Simplify Jobs

Simplify's Take

What believers are saying

  • Affirm's partnerships with major brands and events, like the Austin Marathon, enhance its visibility and consumer trust.
  • The company's IPO and subsequent market performance indicate strong investor confidence and growth potential.
  • Affirm's integration with Apple's new installment loan offerings could significantly expand its user base and market reach.

What critics are saying

  • New CFPB regulations could impose additional compliance costs and operational burdens on Affirm, affecting profitability.
  • Data breaches, such as the recent Evolve Bank incident, pose significant risks to consumer trust and data security.

What makes Affirm unique

  • Affirm's seamless integration with both online and in-store shopping experiences sets it apart from other BNPL providers who may focus solely on e-commerce.
  • The dual revenue stream from both consumer interest/fees and merchant fees provides a robust financial model, unlike competitors who may rely on a single revenue source.
  • Affirm's user-friendly plugins and APIs make it easier for merchants to adopt their payment solutions, reducing technical barriers to entry.

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.