Analyst, Affirm
Full Stack
$124-190k
+ ESPP. Salary varies depending on location
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
Open for applications
$124-190k
+ ESPP. Salary varies depending on location
1001+ employees
Company mission
To deliver honest and transparent financial products that improve users' lives.
Role
Who you are
- 2-4 years work experience in customer risk management at a payments or financial company
- Fluent in SQL and Python
- A team player with ability to collaborate and influence across different teams in the organisation
- Ability to clearly communicate findings and recommendations to both technical and non-technical audiences
- Passion to understand how the product works and how to change to make it more effective
- Strong time management skills and the ability to manage multiple projects and priorities
- Able to thrive in a fast-paced environment and be responsive and available during high intensity moments
- Bachelor’s or Master’s degree degree in a quantitatively rigorous discipline like engineering, statistics, math, or economics desired
- Knowledge of the fundamentals of payment processing and an understanding of industry risk trends, including familiarity with risk strategy development
What the job involves
- The Fraud Strategy and Analytics team is responsible for analyzing, developing and optimizing Affirm's online fraud decisioning strategy
- The team works cross-functionally with Product, Engineering, Operations, and Finance teams to define and ensure accurate execution of the fraud strategy to effectively prevent fraud losses
- This role requires extensive use of data analytics to derive insights and develop/update fraud strategies, collaborating with cross-functional partners
- Full stack analyst works with the Product teams to develop new fraud features, with the engineering team to launch online experiment to test out the performance of the new features, with the Operation team to execute risk and resolution strategies, with the Finance team to help facilitate discussions on portfolio performance and loss forecasting
- Come join us in our mission to change consumer finance through better data and technology, lower costs, and increased transparency while providing the best customer experience
- Proactively explore data and identify opportunities to help accelerate product development or improve existing products in Trust and Safety, and drive the analytical work of online experiment to optimise the existing strategies to achieve better conversion rate
- Translate analysis and trends into recommendations for business logic to improve identity and fraud conversion rates or fraud rates
- Develop scalable frameworks to manage tiered cutoffs for proprietary fraud machine learning models
- Evaluate innovative data sources to solve fraud risk, and partner with the data engineering team to develop and maintain the data pipelines for our core datasets for analytical purposes
- Own end-to-end analytics workflow, including defining success and performance metrics, socialising them across the organisation, and creating actionable dashboards and reports
- Partner with Machine Learning on building fraud and identity verification strategies for new product, market, and user segments
- Partner closely with Product and Engineering to identify highest impact points in the funnel to drive user acquisition and retention
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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