Analyst, Affirm

Credit Risk Analytics

$124-190k

Salary dependent on location + ESPP - An employee stock purchase plan enabling you to buy shares of Affirm at a discount

SQL

Python

Mid and Senior level

Remote from US

Buy-now-pay-later card for online and in-store

Open for applications

Buy-now-pay-later card for online and in-store

1001+ employees

FintechB2CPersonal financePaymentsSaaS

Open for applications

$124-190k

Salary dependent on location + ESPP - An employee stock purchase plan enabling you to buy shares of Affirm at a discount

SQL

Python

Mid and Senior level

Remote from US

1001+ employees

FintechB2CPersonal financePaymentsSaaS

Company mission

To deliver honest and transparent financial products that improve users' lives.

Job

Company

Role

Who you are

Passion and drive to change banking, payments and online marketing for the better
3-5 years work experience as a data analyst (consumer credit risk management strongly preferred but not required)
Curiosity to learn about data, models and algorithms
Extensive experience with SQL and Python
Ability to collaborate and influence across different teams in the organization
Ability to communicate findings and recommendations clearly to both technical and non-technical audiences
A passion for finding insights in data and driving change based on those insights

What the job involves

This role requires extensive use of data analytics to derive insights across a variety of functions. It also requires a lot of cross-functional partnership including working with the Machine Learning and Quantitative Market teams in developing new models/frameworks, with the Merchant Pricing and Merchant Risk teams to value different merchants, with the Fraud team to detect fraudulent activities, as part of the role
Leverage advanced data analytics to derive insights and optimize credit strategies
Perform portfolio analytics including out of trend investigations and attribution analysis
Partner with Machine Learning and Engineering on building effective monitoring and credit risk capabilities
Monitor portfolio as well as macroeconomic trends impacting loan performance
Drive adjustments to our underwriting and marketing strategies to mitigate risk
Contribute in enhancing the end-to-end portfolio management monitoring framework

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

Top investors

-11% employee growth in 12 months

Glassdoor (3.8)

Trustpilot (1.9)

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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