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 policies for new initiatives and products, developing effective risk management strategies and capabilities, 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 Data Science and Engineering team to develop new underwriting models and risk management capabilities, with the Product teams to develop new products and features, with the Merchant Pricing team to value different merchants, with the Finance team to help facilitate discussions with debt and equity investors are some parts of the role.

Come 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.

What You'll Do

• 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 purchasing power, ensuring they are set optimally to balance risk and growth, driving healthy user engagement 

• Play a pivotal role in underwriting cost saving, managing risk and improving the profitability

• 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

• Partner with Machine Learning and Engineering teams on building effective credit risk capabilities

What We Look For

• Passion and drive to change banking, payments and online marketing for the better

• 2-5 years work experience as a data analyst (consumer credit risk management strongly preferred)

• 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!

Employees new to Affirm typically come in at the start of the pay range. Affirm focuses on providing a simple and transparent pay structure which is based on a variety of factors, including location, experience and job-related skills. 

Base pay is part of a total compensation package that may include monthly stipends for health, wellness and tech spending, and benefits (including 100% subsidized medical coverage, dental and vision for you and your dependents). In addition, the employees may be eligible for equity rewards offered by Affirm Holdings, Inc. (parent company).

CAN base pay range per year: $109,000  -  159,000       

Location - Remote Canada

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