Analytics Manager, Credit Risk

Join to apply for the Analytics Manager, Credit Risk role at Affirm

Affirm is reinventing credit to make it more honest and friendly, giving consumers the flexibility to buy now and pay later without any hidden fees or compounding interest.

The Credit team works cross‑functionally with Machine Learning, Fraud, Product, Engineering, Capital Markets, and Commercial teams to responsibly manage the risk profile of the business. We’re looking for an intelligent, driven individual who wants to learn, grow, and solve hard problems.

The team’s mandate is to enable sustainable growth while closely managing the profitability and resilience of our portfolio. As affirm continues growth, designing credit strategies for new initiatives and products, partnering with the Machine Learning team to continuously enhance our underwriting framework, and navigating exogenous changes will be important.

This role requires a lot of cross‑functional partnership, with extensive use of data analytics to derive insights and develop credit strategies. 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!

• 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 low‑FICO and credit‑invisible users
• Partner with the Machine Learning team to enhance our underwriting framework for high AOV
• Support new product formation and new vertical exploration

• Experience – 7+ years in the credit risk field
• Vision – visionary leader who can challenge the status‑quo and identify opportunities, and develop roadmap & strategy plan
• Risk Knowledge – working knowledge of lending industry and credit risk management fundamentals
• Technical Skills – fluent in SQL, experience with Python
• Multi‑tasking – strong time‑management skills; ability to manage multiple projects and priorities in a fast‑paced environment
• Collaboration – ability to collaborate and influence across teams
• Communication – ability to present findings and recommendations clearly to both technical and non‑technical audiences

Pay Grade – O

Equity Grade – 12

Employees new to Affirm typically come in at the start of the pay range.

Affirm focuses on providing a simple and transparent pay structure based on location, experience, and job‑related skills.

Base pay is part of a total compensation package that may include equity rewards, monthly stipends for health, wellness and tech spending, and benefits (including 100% subsidized medical coverage, dental and vision for you and your dependents).

• CA, WA, NY, NJ, CT – $215,000–265,000 per year
• All other states – $191,000–241,000 per year

Affirm is proud to be a remote‑first company! The majority of our roles are remote, and you can work from almost anywhere within the country of employment. If required, you may work out of the assigned office. Some roles remain office‑based due to job responsibilities.

• Health care coverage – company covers all premiums for levels of coverage for you and your dependents
• Flexible Spending Wallets – stipends for technology, food, lifestyle needs and family‑forming expenses
• Time off – competitive vacation and holiday schedules to rest and recharge
• ESPP – employee stock purchase plan to buy shares at a discount

We believe It’s On Us to provide an inclusive interview experience for all, including people with disabilities. We are happy to provide reasonable accommodations to candidates in need of individualized support during the hiring process.

For U.S. positions that could be performed in Los Angeles or San Francisco – Pursuant to the San Francisco Fair Chance Ordinance and Los Angeles Fair Chance Initiative for Hiring Ordinance, Affirm will consider for employment qualified applicants with arrest and conviction records.

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Mid‑Senior level

Full‑time

Finance and Sales