Analyst II, Credit Risk - Wallets and Partnerships

Summary

Join Affirm's team and help reinvent consumer credit. This role focuses on fostering sustainable growth for platform wallet partnerships by managing portfolio profitability and resilience. You will leverage data analytics to develop credit strategies, work cross-functionally with various teams, and contribute to new product development and risk management. The position requires expertise in data analytics, strong collaboration skills, and the ability to communicate findings effectively. Affirm offers a competitive compensation package, including comprehensive health benefits, flexible spending stipends, and generous time off.

Requirements

• Passion and drive to change banking, payments and online marketing for the better
• 2-4 of years work experience as a data analyst/scientist (consumer credit risk management strongly preferred)
• Undergraduate degree in relevant field
• Curiosity to learn about data, models and algorithms
• Extensive experience with SQL, Python, or other scripting languages
• 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 change based on those insights
• Intelligence + Humility. Hubris is the fastest way to blow up a business!

Responsibilities

• Partner with Data Science and Engineering on building risk analytics capabilities
• Develop robust life-time valuation infrastructure and capabilities
• Use advanced data analytics and critical thinking to derive insights and optimize credit strategies
• Own risk initiatives within new product formation and new market exploration
• Monitor portfolio as well as macroeconomic trends impacting loan performance. Drive adjustments to our underwriting and marketing strategies to mitigate risk

Benefits

• 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