Analyst II, Expansion Credit

Summary

Join Affirm's Credit team and leverage data analytics to optimize credit underwriting, user limits, and portfolio health. You will design inclusive credit strategies using alternative data and collaborate with various teams, including Machine Learning and Engineering, to build effective risk capabilities. This role requires extensive data analysis, cross-functional partnership, and a passion for solving complex problems. Affirm offers a competitive compensation package, including equity rewards, stipends, and comprehensive benefits. The position is remote-first, allowing flexibility in work location. Affirm is committed to providing an inclusive and supportive work environment.

Requirements

• 2-4 years of work experience as a data analyst/data scientist (consumer credit risk management strongly preferred but not required)
• Curious and passionate 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
• Ability to collaborate and influence across different teams in the organization

Responsibilities

• Leverage experimentation and advanced data analytics to derive insights
• Dissect complex data and translate it into actionable strategies to help optimize credit underwriting
• Determine and optimize user limit assignments, ensuring they are set optimally to balance risk and growth, driving healthy user engagement
• Play a pivotal role in optimizing the portfolio, managing risk and ensuring the health and profitability of credit offerings
• Design and implement inclusive credit strategies by leveraging alternative data, expanding credit to more users while managing the risk strategically
• Partner with Machine Learning and Engineering teams on building effective credit risk capabilities

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