Note: The job is a remote job and is open to candidates in USA. Affirm is reinventing credit through transparent, flexible consumer financing and operates a Risk & Analytics organization that supports responsible business growth. The Senior Analyst will own complex analytical problems end to end, develop business, risk, and growth strategies, build analytical capabilities, and influence cross-functional decisions across the customer and merchant lifecycle.
Responsibilities
- Optimize End-to-End Strategy: Leverage advanced data analytics to independently derive insights, develop, and optimize business, risk, or growth strategies across products and geographies
- Manage Macro & Market Trends: Monitor portfolio performance and exogenous macroeconomic trends, proactively adjusting analytical and operational strategies to mitigate risk and balance growth
- Model & Capability Building: Partner deeply with Engineering and Machine Learning teams to design, build, and interpret performance metrics for scalable risk, fraud, or growth models
- Cross-Functional Leadership: Collaborate closely with Product, Legal, and Compliance teams to interpret evolving regulatory and market requirements, translating them directly into analytical policy and product design recommendations
- Oversee Frameworks & Launches: Oversee the development and execution of analytical frameworks. Drive cross-functional discussions to ensure new product launches and market entries align with risk appetite, operational capabilities, and local regulations
- External & Strategic Alignment: Engage with external stakeholders, including merchants, vendors, and partners, to align practices, ensure compliance, and strengthen strategic relationships
- AI Leverage & Mentorship: Build repeatable AI-assisted workflows that compound across the team's analyses, while mentoring junior analysts on technical craft and domain nuances
Skills
- 2–5 years of proven experience in an analytically driven role within the consumer lending, credit, or fintech industry, specifically leveraging advanced analytics to develop and optimize business strategies
- Degree in Data Science, Computer Science, Engineering, Economics, or a related quantitative field
- Advanced proficiency in SQL, Python, or other scripting languages
- Deep expertise in data mining, data visualization, and statistical modeling, with experience applying machine learning techniques to business or risk management problems
- Proven experience leading cross-functional initiatives that bridge Product, Legal, Compliance, and Engineering to align analytical strategies with business objectives
- Strong understanding of consumer lending regulations, regional market dynamics, and the broader economic landscape influencing policy and growth
- Demonstrated ability to translate complex regulatory and economic insights into actionable strategies
- Exceptional communication skills with the ability to influence senior stakeholders across technical and non-technical functions
Benefits
- Monthly stipends for health, wellness and tech spending
- 100% subsidized medical coverage, dental and vision for you and your dependents
- Equity rewards offered by Affirm Holdings, Inc. (parent company)
- 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.
- 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
Company Overview
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