Analyst , Merchant Risk

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 Merchant Risk Analytics team works cross‑functionally with Merchant Underwriting, Compliance, Engineering, and other analytics teams to establish scalable risk management for merchant acquisition and portfolio monitoring. We’re looking for an intelligent, driven individual who wants to learn, grow, and solve challenging problems.

• Support merchant onboarding and ongoing portfolio monitoring through data analysis, modeling and automation workflows.
• Detect and monitor fraud across the network, responding quickly to emerging risks.
• Contribute to the development and improvement of scalable monitoring frameworks, controls, and reporting.
• Assist in identifying gaps and opportunities within existing risk processes.
• Partner cross‑functionally to translate risk requirements into data‑driven strategies.
• Leverage AI‑assisted tools to accelerate analysis, automate workflows, and support the development of scalable, agentic merchant risk solutions.

• Experience – Minimum 1 year of experience in risk management or a related field, including prior experience with analytics.
• Analytical Thinking – Strong problem‑solving skills with the ability to break down ambiguous problems using data.
• Resilience – Ability to think creatively and critically, thriving in a fast‑paced environment.
• Curiosity – Eagerness to explore new tools and methodologies to solve real‑world problems.
• Technical Skills – Strong coding skills in Python, SQL or other scripting languages; familiarity with agentic / LLM orchestration frameworks.
• Product Knowledge – Passion for understanding how the product works and the broader context of business decisions.
• AI Fluency – Comfortable using AI tools to enhance productivity, analysis, and workflow automation; interest in building or leveraging agentic workflows to solve risk problems.
• Education – Bachelor’s degree in a quantitatively rigorous field such as engineering, statistics, optimisation, math, finance, or economics.

Pay Grade – I

Equity Grade – 5

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 equity rewards, monthly stipends for health, wellness and tech spending, and benefits (including 100% subsidised medical coverage, dental and vision for you and your dependents).

USA base pay range (CA, WA, NY, NJ, CT) per year: $115,000–155,000.

USA base pay range (all other U.S. states) per year: $102,000–142,000.

Affirm is proud to be a remote‑first company! The majority of our roles are remote and you can work almost anywhere within the country of employment. affirmers in proximal roles have the flexibility to work remotely, but will occasionally be required to work out of their assigned affirm office. A limited number of roles remain office‑based due to the nature of their job responsibilities.

• 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.

We believe it’s on us to provide an inclusive interview experience for all, including people with disabilities. We are happy to provide reasonable accommodations to candidates in need of individualized support during the hiring process.

By the San Francisco Fair Chance Ordinance and Los Angeles Fair Chance Initiative for Hiring Ordinance, affirm will consider for employment qualified applicants with arrest and conviction records.