Analyst, Affirm
Early Career, Full Stack
$115k
+ ESPP
More information about location
3 days a week in office
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
$115k
+ ESPP
More information about location
3 days a week in office
1001+ employees
Company mission
To deliver honest and transparent financial products that improve users' lives.
Role
Who you are
- Currently pursuing a Bachelor’s degree or higher with an expectation that you will complete your most recent full-time degree program by August 2027 or earlier; relevant internships or prior experience in the consumer lending, fintech, or broader financial services industry are highly valued
- Degree in Data Science, Computer Science, Engineering, Economics, Statistics, Math or a related quantitative field preferred
- Working knowledge of SQL, Python, or other scripting languages
- Familiarity with data mining, data visualization, and foundational statistical modeling
- Basic understanding or deep curiosity about consumer lending regulations, fair lending principles, and how machine learning techniques apply to real-world business problems
- Exceptional communication skills, humility, and the ability to collaborate effectively
What the job involves
- As an Early Career Analyst in Affirm's Risk & Analytics organization, you will join one of several analytical teams working across the customer and merchant lifecycle. While the specific problems you tackle will depend on your eventual team placement, all Analyst I roles share a common foundation: using data to understand business performance, identify opportunities, and help Affirm make better decisions
- You will learn the fundamentals of consumer lending while executing scoped analytical work under the guidance of senior analysts and managers. You will leverage SQL, Python, and modern analytical tools to help optimize business strategies, monitor performance, and turn complex data into actionable insights
- You are a thoughtful, driven individual eager to build a strong technical foundation, learn how to navigate exogenous market changes, and integrate modern AI tooling to solve hard problems efficiently
- Derive Insights & Support Strategy: Leverage data analytics to uncover insights that help optimize product, risk, or growth strategies across geographies
- Monitor Portfolio Health: Assist in tracking performance metrics, user behavior, and macroeconomic trends that impact business outcomes, flagging risks and anomalies to senior team members
- Technical Execution: Write clean, working SQL and Python to build scalable reporting and partner with Engineering to support the deployment of machine learning and risk models
- Cross-Functional Collaboration: Work closely with Product, Legal, and Compliance to understand evolving consumer lending regulations and market requirements, assisting in translating them into foundational data models and operational policies
- Drive Launch Alignment: Support cross-functional discussions to ensure new product launches and market entries align with our operational capabilities and risk appetite
- AI Fluency & Efficiency: Integrate AI tools (Cursor, Claude Code, copilots) into your daily workflows to accelerate data mining and routine tasks, holding the line on verifying outputs
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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