Analyst II, Full Stack

What You ll Do

• Designing and testing new pricing and credit strategies for top clients by drawing key insights from financial data;
• Conduct quantitative pricing using complex mathematical and pricing modeling techniques;
• Perform risk analyses on Affirm s loan portfolio;
• Manage profitability of the portfolio by applying modern portfolio theory and providing subject-matter expertise on merchant pricing policy development, new product formation and new markets exploration;
• Conduct financial data analyses and identify opportunities to improve current financial risk processes; drive execution, launch and lead cross-functional financial analysis initiatives;
• Collaborate with cross-functional teams such as Commercial, Product, Engineering, Finance, Capital Markets, and internal risk teams to assess, define, optimize and scale pricing opportunities for different markets;
• Manage external financial reporting and present to investors and stakeholders; and
• Introduce ways to identify, measure, estimate and control risks in the context of risk management.
• May telecommute.

• Master s degree or foreign equivalent and 4 years of experience.
• Knowledge of economic and accounting principles and practices, the financial markets, banking, and the analysis and reporting of financial data;
• SQL, Python, Excel (Macro, VBA) or other scripting languages;
• Working with Business Intelligence tools such as Qlik, or Power BI;
• Knowledge of the fundamentals of risk modeling including both credit and market risk, assessing macroeconomic trends and financial performance, enabling comprehensive evaluation of industry risk trends, including risk strategy development; and
• Knowledge and experience in data analytics, financial modeling, model validation, risk analytics, financial budgeting and project management.

Base Pay Grade - K;
Equity Grade - 6

Employees new to Affirm typically come in at the start of the pay range. Affirm focuses on providing a simple and transparent pay structure which is based on a variety of factors, including 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).

USA base pay range (CA, WA, NY, NJ, CT) per year: $140,000 - $190,000

USA base pay range (all other U.S. states) per year: $124,000 - $174,000

Affirm is remote-first. The majority of roles are remote and you can work from within the country of employment. Some roles may require occasional work from an Affirm office.

We offer competitive benefits anchored to our core value of people come first, including:

• Health care coverage — Affirm covers all premiums for all levels of coverage for you and your dependents
• Flexible Spending Wallets — generous stipends for Technology, Food, Lifestyle needs, and family forming expenses
• Time off — competitive vacation and holiday schedules
• ESPP — Employee stock purchase plan with a discount

We are committed to an inclusive interview experience for all, including accommodations for candidates with disabilities.

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

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