Full Stack Analyst, Affirm
Credit Analytics
$128-205k
Salary is dependent on location
Buy-now-pay-later card for online and in-store
Be an early applicant
Buy-now-pay-later card for online and in-store
1001+ employees
Be an early applicant
$128-205k
Salary is dependent on location
1001+ employees
Company mission
To deliver honest and transparent financial products that improve users' lives.
Role
Who you are
- The ideal candidate brings exceptional analytical rigor, deep credit domain expertise, and the ability to influence stakeholders across both technical and non-technical teams
- Degree in Data Science, Computer Science, Engineering, Economics, or a related field, and 2+ years of experience (or equivalent senior-level experience)
- SQL, Python, or other scripting languages
- Data mining, data visualisation, and statistical modeling
- Applying machine learning techniques to credit risk management
- Leveraging advanced analytics to develop and optimise credit strategies
- Monitoring and interpreting model performance metrics across portfolios
- Proven experience leading cross-functional initiatives that bridge Product, Legal, Compliance, and Engineering to align credit strategies with regulatory frameworks and business objectives
- Deep understanding of consumer lending regulations, fair lending principles, and regional market dynamics influencing credit policy and underwriting
- Ability to translate complex regulatory and economic insights into actionable credit and product strategies
- Exceptional communication skills with the ability to influence senior stakeholders across technical and non-technical functions
What the job involves
- The Risk & Analytics team makes crucial decisions that direct Affirm’s business strategy
- Our team designs and runs experiments to decide which product features to launch and which marketing campaigns to fund
- We analyze performance not just to report on it, but to determine where to invest resources for maximum impact through building tools and analytical frameworks
- We take ownership of the entire analytical lifecycle, from initial question to final business decision, ensuring Affirm grows efficiently and intelligently
- 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
- You thrive in ambiguity, can translate complex regulatory and economic insights into actionable credit strategies, and are comfortable operating at both strategic and execution levels
- Leverage advanced data analytics to derive insights and optimize credit strategies across products and geographies
- Partner with Engineering to design and build scalable risk models and credit risk capabilities
- Monitor portfolio performance and macroeconomic trends that impact loan outcomes; proactively adjust underwriting and marketing strategies to mitigate risk
- Collaborate closely with Product, Legal, and Compliance teams to interpret evolving regulatory and market requirements across jurisdictions, and translate them into credit policy, underwriting, and product design recommendations
- Engage and coordinate with external stakeholders — including merchants, vendors, and regulatory bodies — to align credit risk practices, ensure compliance, and strengthen strategic partnerships
- Oversee the development and execution of credit underwriting frameworks that balance growth, compliance, and risk mitigation goals
- Drive cross-functional discussions to ensure new product launches and market entries are aligned with risk appetite, operational capabilities, and local regulations
Our take
Affirm offers point-of-sale loans to consumers, working with merchants like Shopify, KAYAK, and Walmart. Buy now, pay later transactions have grown in popularity in recent years, and this business is tapping into the market with a totally different approach to credit - by delivering the Affirm card, the first US debit card with the option to pay-over-time.
Serving over 21 million consumers and over 300,000 merchants, the company offers flexible payback options ranging from 3 to 36 months. The interest rates run between 0% and 30%, so, while they are not necessarily the cheapest option, Affirm prides itself on having no fees for late payments, no hidden charges, and total transparency about what people will pay before they take out a loan.
Affirm collects payments from the customers and pays the merchants directly, shouldering the risk itself. The company has boosted its market share, expanding its availability beyond the US to include most of Canada, and continues to launch new features and create new partnerships towards bettering its offering.
Kirsty
Company Specialist at Welcome to the Jungle
Insights
-11% employee growth in 12 months
Company
Funding (last 2 of 5 rounds)
Sep 2020
$500m
SERIES G
Apr 2019
$300m
SERIES F
Total funding: $1.1bn
Company benefits
- Compensation: We have a simple, flexible, and transparent remote-first compensation structure so you can make the best decisions for yourself and your family
- 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
- Away Days: We offer 20 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 HQ
Chinatown, San Francisco, CA
Leadership
Max Levchin
(Co-Founder & CEO)Has founded/co-founded numerous companies, holding various executive positions at each, including Paypal, Slide, Glow, HVF Labs, and SciFi VC. Also worked at large brands including Google, Yelp, Yahoo, and Evernote.
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