Analytics Manager, Credit Risk

Analytics Manager, Credit Risk - Role Overview

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. The team’s mandate is to enable sustainable growth while closely managing the profitability and resilience of our portfolio. 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.

• 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 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.

Pay Grade: O
Equity Grade: 12

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).

USA base pay range (CA, WA, NY, NJ, CT) per year: $,000
USA base pay range (all other U.S. states) per year: $,000

Affirm is proud to be a remote‑first company! The majority of our roles are remote and you can work almost anywhere within the country of employment. Affiliants in proximal roles have flexibility to work remotely, but occasional office presence may be required.

• Health care coverage – affirm covers all premiums for all levels of coverage for you and your dependents.
• Flexible Spending Wallets – generous stipends for spending on technology, food, various lifestyle needs, and family‑forming expenses.
• Time off – competitive vacation and holiday schedules allowing you to take time off to rest and recharge.
• ESPP – An employee stock purchase plan enabling you to buy shares of affirm at a discount.

Senior Level: Mid‑Senior level |

Employment Type:

Full‑time | Function:
Finance and Sales

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.