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.
This role requires extensive use of data analytics and modeling to derive insights and develop innovative strategies to manage risks for Anti-Money Laundering (AML) and Terms of Service (TOS) violations. You will serve as the main point of contact to support detection efforts. Additionally, this role will collaborate closely with cross-functional partners to enhance our merchant risk management framework.
What You'll Do

• Monitor violations across our network and respond quickly to detected risks.
• Partner with compliance, legal, and underwriting teams to develop data-driven strategies.
• Assist in the development of our model strategy and identify potential gaps.
• Collaborate with product, data science, and engineering teams to build new models, products, and features.
• Build and apply innovative tools and quantitative approaches to solve exciting problems

What we look for

• EXPERIENCE - Minimum 1 year of experience in risk management or a related field, including prior experience with analytics.
• RESILIENCY - 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.
• PRODUCT KNOWLEDGE - Passion for understanding how the product works and the broader context of business decisions.
• EDUCATION - Bachelor’s degree in a quantitatively rigorous field such as engineering, statistics, optimization, math, finance, or economics.
• INDUSTRY KNOWLEDGE - Working knowledge of the fundamentals of payment processing and a basic understanding of risk strategy development.

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% subsidized 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.
BenefitsWe’re extremely proud to offer competitive benefits that are anchored to our core value of people come first. Some key highlights of our benefits package include:

• 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.
[For U.S. positions that could be performed in Los Angeles or San Francisco] Pursuant to 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.
By clicking "Submit Application," you acknowledge that you have read the Affirm Employment Privacy Policy for applicants within the United States, the EU Employee Notice Regarding Use of Personal Data (Poland) for applicants applying from Poland, the EU Employee Notice Regarding Use of Personal Data (Spain) for applicants applying from Spain, or the Affirm U.K. Limited Employee Notice Regarding Use of Personal Data for applicants applying from the United Kingdom, and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.