Analytics Manager, Credit Risk

Join to apply for the Analytics Manager, Credit Risk role at Affirm
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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 Confirm continues on an exciting growth trajectory, we will design credit strategies for new initiatives and products, partner with the Machine Learning team to continuously enhance our underwriting framework, and be ready to navigate exogenous changes.

This role requires extensive cross‑functional partnership and the 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 serve as 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 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 – A visionary leader who can challenge the status‑quo, identify opportunities, and develop roadmap and strategy plans.
• Risk Knowledge – Working knowledge of the fundamentals of the lending industry and credit risk management.
• Technical Skills – Fluent in SQL and experienced with Python.
• Multi‑tasking – Strong time‑management skills and the ability to manage multiple projects and priorities 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

Employees new to Affir Med 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).

USA base pay range (CA, WA, NY, NJ, CT) per year: $215,000–265,000
USA base pay range (all other U.S. states) per year: $191,000–241,000.

• Health care coverage – Affir Med 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 allowing you to rest and recharge.
• ESPP – An employee stock purchase plan enabling you to buy shares of Affir Med at a discount.

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. Roles in proximal positions may require occasional office work.

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, we will consider qualified applicants with arrest and conviction records.

Affirm is an equal‑opportunity employer. We do not discriminate on the basis of religion, color, gender, national origin, or protected class status. Applicants are judged solely on their qualification for the job.