Analyst, Affirm
Full Stack
$124-190k
Salary dependent on location. + An employee stock purchase plan enabling you to buy shares of Affirm at a discount
POS installment loans
Be an early applicant
POS installment loans
1001+ employees
Be an early applicant
$124-190k
Salary dependent on location. + An employee stock purchase plan enabling you to buy shares of Affirm at a discount
1001+ employees
Company mission
To deliver honest and transparent financial products that improve users' lives.
Role
Who you are
- Passion and drive to change banking, payments and online marketing for the better
- 3+ 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
- Grit. Lots of grit. You’ll wear 7 hats and not love all of them
What the job involves
- The team’s mandate is to enable sustainable growth while closely managing the profitability and resilience of our portfolio
- It also requires a lot of cross-functional partnership
- Working with the Machine Learning and Engineering team to develop new underwriting models, with the Product teams to develop new products and features, with the Merchant Pricing team to value different merchants, with the Finance team to help facilitate discussions with debt and equity investors are some parts of the role
- 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!
- 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 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
- The majority of our roles are remote and you can work almost anywhere within the country of employmen
- Affirmers in proximal roles have the flexibility to work remotely, but will occasionally be required to work out of their assigned Affirm office. A limited number of roles remain office-based due to the nature of their job responsibilities
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.
Boating over 15 million customers and 245,000+ 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
Few candidates hear
back within 2 weeks
-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
- Spending wallets
- Supportive communities
- Remote-first workforce
- Generous time off
- Health benefits
- Mental healthcare
- Birth and non-birth parents get 18 weeks’ paid leave. Plus, a 4-week return-to-work transition program, at full base pay
- We have a simple, flexible, and transparent remote-first compensation structure so you can make the best decisions for yourself and your family
- We offer 24 company-wide paid days off—which help our teams collectively pause to recharge
- Learning & development
Company values
- People Come First
- No Fine Print
- It's On Us
- Simpler is Better
- Push the Envelope
Company HQ
Chinatown, San Francisco, CA
Articles
Leadership
Max Levchin
(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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