Analyst II, Full Stack

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, Product, Engineering, Capital Markets, and Commercial teams to responsibly manage the risk profile of the business. We’re looking for a thoughtful, 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, thinking through credit strategies for new initiatives and products, shaping ongoing testing and experimentation, and being ready for navigating through any exogenous changes will be important problems to tackle.

This role requires extensive use of data analytics to derive insights and develop credit strategies. It also requires a lot of cross‑functional partnership: working with the Machine Learning and Engineering team to develop new underwriting models, with the Product teams to develop new products and features, with the Merchant Pricing team to value different merchants, and with the Finance team to facilitate discussions with debt and equity investors.

• Leverage experimentation and advanced data analytics to derive insights and translate complex data into actionable strategies to optimize credit underwriting.
• Determine and optimize purchasing power, ensuring values are set to balance risk and growth and drive healthy user engagement.
• Play a pivotal role in underwriting cost savings, managing risk, and improving profitability.
• Support the launch of new products by designing and implementing credit strategies.
• Partner with Machine Learning and Engineering teams on building effective credit risk capabilities.

• 2+ years of work experience as a data analyst/data scientist (consumer credit risk management strongly preferred but not required).
• Curiosity and passion to learn new things and think outside the box.
• Extensive experience with SQL and Python, or other scripting languages; experience with Spark is a plus.
• Experience/knowledge with Machine Learning is a plus.
• Ability to collaborate and influence across different teams in the organization.
• Ability to communicate findings and recommendations clearly to both technical and non‑technical audiences.
• A passion for finding insights in data and driving changes based on those insights.
• Intelligence + Humility (hubris is the fastest way to blow up a business).
• Grit: wearing multiple hats without losing focus.
• This position requires either equivalent practical experience or a Bachelor’s degree in a related field.

Pay Grade: K

Equity Grade: 6

Employees new to Affim typically come in at the start of the pay range. The 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).

US base pay range (CA, WA, NY, NJ, CT) per year: $140,000 – $190,000.

US base pay range (all other US states) per year: $124,000 – $174,000.

Affirm is a remote‑first company. The majority of roles are remote and you can work from almost anywhere within the country of employment. Some proximal roles may require occasional office presence.

• 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 allowing rest and recharge.
• ESPP – an 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 US positions that could be performed in Los Angeles or San Francisco, in accordance with the San Francisco Fair Chance Ordinance and Los Angeles Fair Chance Initiative for Hiring Ordinance, affirm will consider qualified applicants with arrest and conviction records.

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