Full Stack Analytics Lead, Affirm
€94-134k
+ Employee stock purchase plan
More information about location
POS installment loans
Open for applications
POS installment loans
1001+ employees
Open for applications
€94-134k
+ Employee stock purchase plan
More information about 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
- 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
- Master’s degree (or foreign equivalent) in Data Science, Computer Science, Engineering, Economics, or a related field, and 3+ 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
- Demonstrated success mentoring high-performing analytical teams and driving data-informed decision-making at scale
- Exceptional communication skills with the ability to influence senior stakeholders across technical and non-technical functions
What the job involves
- We are seeking a seasoned Credit Strategy Leader to drive the evolution of Affirm’s credit decisioning capabilities across international markets and help shape the long-term direction of our underwriting, portfolio performance, and regulatory alignment
- This role will lead high-impact initiatives across products and geographies, partnering closely with Engineering, Product, Legal, and Compliance to design scalable, compliant credit systems that effectively balance growth, customer experience, and risk management
- This is a unique opportunity to shape the next generation of Affirm’s credit models and policies for international expansion making a meaningful, lasting impact within a fast-growing FinTech company committed to redefining responsible consumer lending
- You'll leverage advanced data analytics to derive insights and optimise 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.
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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