Note: The job is a remote job and is open to candidates in USA. Affirm is reinventing credit to make it more honest and friendly, and they are seeking an Analytics Lead for their Risk & Analytics team. This role involves leveraging advanced data analytics to optimize credit strategies, collaborating with cross-functional teams, and ensuring compliance with regulatory requirements.
Responsibilities
- Leverage advanced data analytics to derive insights and optimize credit strategies across products and geographies
- Partner with Engineering to design and build scalable risk models and credit risk capabilities
- Monitor portfolio performance and macroeconomic trends that impact loan outcomes; proactively adjust underwriting and marketing strategies to mitigate risk
- Collaborate closely with Product, Legal, and Compliance teams to interpret evolving regulatory and market requirements across jurisdictions, and translate them into credit policy, underwriting, and product design recommendations
- Engage and coordinate with external stakeholders — including merchants, vendors, and regulatory bodies — to align credit risk practices, ensure compliance, and strengthen strategic partnerships
- Oversee the development and execution of credit underwriting frameworks that balance growth, compliance, and risk mitigation goals
- Drive cross-functional discussions to ensure new product launches and market entries are aligned with risk appetite, operational capabilities, and local regulations
Skills
- Degree in Data Science, Computer Science, Engineering, Economics, or a related field, and 4+ years of experience (or equivalent senior-level experience)
- Experience setting credit strategy for de novo products using Sandbox data, retrospective studies or archives
- Experience in high-line unsecured lending, especially in the home improvement vertical
- SQL, Python, or other scripting languages
- Data mining, data visualisation, and statistical modeling
- Applying machine learning techniques to credit risk management
- Leveraging advanced analytics to develop and optimise credit strategies
- Monitoring and interpreting model performance metrics across portfolios
- Proven experience leading cross-functional initiatives that bridge Product, Legal, Compliance, and Engineering to align credit strategies with regulatory frameworks and business objectives
- Deep understanding of consumer lending regulations, fair lending principles, and regional market dynamics influencing credit policy and underwriting
- Ability to translate complex regulatory and economic insights into actionable credit and product strategies
- Demonstrated success mentoring high-performing analytical teams and driving data-informed decision-making at scale
- Exceptional communication skills with the ability to influence senior stakeholders across technical and non-technical functions
Benefits
- Equity rewards
- Monthly stipends for health, wellness and tech spending
- Benefits (including 100% subsidized medical coverage, dental and vision for you and your dependents.)
- 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
Company H1B Sponsorship