Analytics Manager, Credit Risk

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Affirm is reinventing credit to make it more honest and friendly, giving consumers the flexibility to buy now and pay later without any hidden fees or compounding interest. The Credit team works cross-functionally with Machine Learning, Fraud, Product, Engineering, Capital Markets, and Commercial teams to responsibly manage the risk profile of the business. We’re looking for an intelligent, 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, designing credit strategies for new initiatives and products, partnering with the Machine Learning team to continuously enhance our underwriting framework, and being ready to navigate through any exogenous changes will be important problems to tackle.

This role requires a lot of cross-functional partnership, with extensive use of data analytics to derive insights and develop credit strategies. 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!

• Partner with cross-functional teams and be the Credit POC that manages the end-to-end credit strategy for the Amazon portfolio
• Leverage alternative data and optimize our credit strategy to expand credit reach to the low FICO and credit invisible users
• Partner with Machine Learning team to enhance our underwriting framework for high AOV
• Support new product formation and new vertical exploration

• Experience - 7+ years work experience in the credit risk field
• Vision - A visionary leader who can challenge the status-quo and identify opportunities, as well as develop the roadmap and strategy plan
• Risk Knowledge - Working knowledge of the fundamentals of the lending industry and credit risk management
• Technical Skills - Fluent in SQL, and experience with Python
• Multi-tasking - Strong time management skills and the ability to manage multiple projects and priorities, and able to thrive in a fast-paced environment
• Collaboration - Ability to collaborate and influence across different teams
• Communication - Ability to communicate findings and recommendations clearly to both technical and non-technical audiences

• Pay Grade - O
• Equity Grade - 12
• Base pay and total compensation include equity rewards and benefits
• USA base pay range (CA, WA, NY, NJ, CT) per year: $,000
• USA base pay range (all other U.S. states) per year: $,000
• Affirm remote-first policy with occasional office-based work as needed
• Benefits include health coverage, Flexible Spending Wallets, time off, ESPP

Affirm is an equal opportunity employer. We are committed to providing reasonable accommodations to candidates during the hiring process where needed.

• Mid-Senior level

• Full-time

• Finance and Sales