Analyst, Affirm
Merchant Risk
$102-155k
Salary dependent on location. Offers ESPP.
POS installment loans
Be an early applicant
POS installment loans
1001+ employees
Be an early applicant
$102-155k
Salary dependent on location. Offers ESPP.
1001+ employees
Company mission
To deliver honest and transparent financial products that improve users' lives.
Role
Who you are
- We're looking for an intelligent, driven individual who wants to learn, grow, and solve challenging problems
- This role requires strong analytical foundations and a willingness to operate across the full merchant risk lifecycle from onboarding to ongoing monitoring and risk expansion
- EXPERIENCE - Minimum 1 year of experience in risk management or a related field, including prior experience with analytics
- ANALYTICAL THINKING - Strong problem-solving skills with the ability to break down ambiguous problems using data
- RESILIENCY - Ability to think creatively and critically, thriving in a fast-paced environment
- CURIOSITY - Eagerness to explore new tools and methodologies to solve real-world problems
- TECHNICAL SKILLS- Strong coding skills in Python, SQL or other scripting languages; familiarity with agentic / LLM orchestration frameworks
- PRODUCT KNOWLEDGE - Passion for understanding how the product works and the broader context of business decisions
- AI FLUENCY – Comfortable using AI tools to enhance productivity, analysis, and workflow automation; interest in building or leveraging agentic workflows to solve risk problems
- EDUCATION - Bachelor’s degree in a quantitatively rigorous field such as engineering, statistics, optimization, math, finance, or economics
What the job involves
- You will support the development and maintenance of scalable analytics, modeling, automation, and monitoring frameworks as Affirm’s merchant footprint grows
- The role emphasizes hands-on execution, learning, and ownership of core analyses and model-driven workflows, while collaborating closely with cross-functional partners
- Support merchant onboarding and ongoing portfolio monitoring through data analysis, modeling and automation workflows
- Detect and monitor fraud across the network, responding quickly to emerging risks
- Contribute to the development and improvement of scalable monitoring frameworks, controls, and reporting
- Assist in identifying gaps and opportunities within existing risk processes
- Partner cross-functionally to translate risk requirements into data-driven strategies
- Leverage AI-assisted tools to accelerate analysis, automate workflows, and support the development of scalable, agentic merchant risk solutions
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.
Boasting over 21M consumers and 337,000+ 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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