Data Analyst II (Credit Risk)
Role summary
Affirm is seeking a Data Analyst II for its Credit team to manage the business's risk profile and support new product development. This role involves leveraging advanced data analytics and experimentation to derive insights, develop credit strategies, and optimize purchasing power. The analyst will play a key role in shaping credit underwriting models, supporting testing, and ensuring portfolio profitability. The position requires proficiency in SQL and Python, with at least 2 years of experience in data analysis, preferably in consumer credit risk management. The role emphasizes collaboration across Machine Learning, Product, Engineering, Capital Markets, and Commercial teams in a remote-first environment.
About The Company
Affirm is a pioneering financial technology company dedicated to transforming the consumer credit landscape by making it more transparent, honest, and user-friendly. Our mission is to enable consumers to buy now and pay later without hidden fees or compounding interest, fostering a more accessible and fair credit environment. We leverage advanced data analytics, innovative technology, and a customer-centric approach to deliver seamless financial solutions that prioritize transparency, affordability, and trust. Affirm's commitment to responsible lending and sustainable growth positions us as a leader in the evolving fintech industry, dedicated to improving the financial well-being of our users worldwide.
About The Role
We are seeking a talented and driven Data Analyst to join our Credit team, a pivotal function that collaborates across Machine Learning, Product, Engineering, Capital Markets, and Commercial teams. This role is instrumental in managing the risk profile of our business while supporting the development and launch of innovative products and initiatives. The ideal candidate will utilize extensive data analytics to derive insights, develop credit strategies, and optimize purchasing power to balance risk and growth. You will play a crucial role in shaping credit underwriting models, supporting testing and experimentation, and ensuring the resilience and profitability of our portfolio. This position offers an exciting opportunity to work in a fast-paced, collaborative environment and contribute directly to Affirm’s mission of changing consumer finance through technology and data-driven decision-making.
Qualifications
- 2+ years of experience as a data analyst or data scientist, preferably with a focus on consumer credit risk management
- Proficiency in SQL and Python; experience with Spark is a plus
- Knowledge of machine learning techniques and applications is advantageous
- Strong analytical skills with the ability to dissect complex data and translate insights into actionable strategies
- Excellent communication skills to effectively convey findings to both technical and non-technical audiences
- Ability to collaborate across multiple teams and influence decision-making processes
- Curiosity and passion for continuous learning and innovative problem-solving
- Degree in a related field or equivalent practical experience
- Demonstrated grit, humility, and a proactive mindset to navigate a dynamic work environment
Responsibilities
- Leverage experimentation and advanced data analytics to derive actionable insights for credit underwriting and risk management
- Dissect complex datasets to inform credit strategies that optimize purchasing power while balancing risk and growth
- Support the launch of new products by designing and implementing effective credit strategies aligned with business goals
- Play a key role in underwriting cost savings initiatives and enhancing portfolio profitability
- Partner with Machine Learning and Engineering teams to develop and refine credit risk models and capabilities
- Collaborate with Product teams to develop new features and improve existing offerings based on data-driven insights
- Work with Merchant Pricing and Finance teams to evaluate merchant value and facilitate discussions with investors
- Continuously monitor and evaluate credit performance, adjusting strategies as necessary to respond to market changes
Benefits
- Comprehensive health care coverage, including premiums for you and your dependents
- Generous stipends for technology, food, lifestyle needs, and family forming expenses through Flexible Spending Wallets
- Competitive vacation and holiday schedules to promote work-life balance
- Participation in the Employee Stock Purchase Plan (ESPP) with discounts on Affirm shares
- Remote-first work environment with flexible working arrangements
- Inclusive and supportive workplace culture committed to diversity and equal opportunity
Equal Opportunity
Affirm is an equal opportunity employer. We are committed to fostering an inclusive environment for all employees and applicants. We provide reasonable accommodations for individuals with disabilities throughout the hiring process and in the workplace. We believe that diversity enhances our innovation and success, and we welcome candidates from all backgrounds to join us in our mission to improve consumer finance through technology and data-driven solutions.
