Analytics Manager, Credit Risk

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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 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 on an exciting growth trajectory, we design credit strategies for new initiatives and products, partner with the Machine Learning team to continuously enhance our underwriting framework, and navigate exogenous changes.

This role requires extensive cross‑functional partnership, with extensive use of data analytics to derive insights and develop credit strategies. 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 credit reach to low‑FICO and credit‑invisible users.
• Partner with the Machine Learning team to enhance our underwriting framework for high average order value.
• Support new product formation and new vertical exploration.

• 7+ years of work experience in the credit risk field.
• A visionary leader who can challenge the status‑quo, identify opportunities, and develop roadmap and strategy plans.
• Working knowledge of the fundamentals of the lending industry and credit risk management.
• Fluent in SQL and experience with Python.
• Strong time‑management skills and ability to multitask and thrive in a fast‑paced environment.
• Ability to collaborate and influence across different teams.
• Ability to communicate 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. We focus 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.

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. Occasional office time may be required for certain roles.

• Health care coverage – Affordable premiums for all coverage levels 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 enabling you to buy shares of affirm 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.

By clicking “Submit Application,” you acknowledge that you have read affirm’s Global Candidate Privacy Notice and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.

• Mid‑Senior level

• Full‑time

• Finance and Sales

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