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, 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 transactional level underwriting, ensuring they are set optimally to balance risk and growth, driving healthy engagement 
• Play a pivotal role in generating insights into the portfolio economics, measuring risk adjusted returns consistently across different products
• Partner with Machine Learning and Engineering teams on building effective credit risk and portfolio optimization capabilities
• Partner with cross functional stakeholders to best capture portfolio economics and user lifetime valuation

What we look for

• 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

Pay Grade - USA29

Employees new to Affirm or promoted into a new role, typically begin in the min to mid range.

USA29 base pay range (CA, WA, NY, NJ, CT) per year: 

Min: $138,800        

Mid: $173,500

Max: $208,200

USA29 base pay range (all other U.S. states) per year: 

Min: $124,900        

Mid: $156,100

Max: $187,300

#LI-Remote