Analytics Manager, Affirm
Credit Risk
$191-265k
Salary range dependent on candidate location. Plus equity and an employee stock purchase plan
POS installment loans
Open for applications
POS installment loans
1001+ employees
Open for applications
$191-265k
Salary range dependent on candidate location. Plus equity and an employee stock purchase plan
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 hard problems
- Experience - 7+ years work experience in the credit risk field
- Vision - A visionary leader who can challenge the status-quo and identify opportunities, as well as develop the roadmap and strategy plan
- Risk Knowledge - Working knowledge of the fundamentals of the lending industry and credit risk management
- Technical Skills - Fluent in SQL, and experience with Python
- Multi-tasking - Strong time management skills and the ability to manage multiple projects and priorities, and able to thrive in a fast-paced environment
- Collaboration - Ability to collaborate and influence across different teams
- Communication - Ability to communicate findings and recommendations clearly to both technical and non-technical audiences
What the job involves
- The team’s mandate is to enable sustainable growth while closely managing the profitability and resilience of our portfolio
- As Affirm continues on an exciting growth trajectory, designing credit strategies for new initiatives and products, partnering with the Machine Learning team to continuously enhance our underwriting framework, and being ready to navigate through any exogenous changes will be important problems to tackle
- This role requires a lot of cross-functional partnership, with extensive use of data analytics to derive insights and develop credit strategies
- Partner with cross-functional teams and be the Credit POC that manages the end-to-end credit strategy for the Amazon portfolio
- Leverage alternative data and optimize our credit strategy to expand credit reach to the low FICO and credit invisible users
- Partner with Machine Learning team to enhance our underwriting framework for high AOV
- Support new product formation and new vertical exploration
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.
Share this job
View 110 more jobs at Affirm