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.
We’re looking for a driven, analytically-minded professional to join the Quantitative Research team! The Quantitative Research team builds foundational models that model the user behavior at various stages in its journey within the Affirm’s ecosystem and prepare frameworks using those models to guide strategy in optimizing portfolio economics and consumer growth.
In this role, you will be primarily focused on improving and expanding existing loan cashflow models for various different Affirm products, and support model use cases. This role also requires proactively engaging with other stakeholders around Affirm to tailor models to the needs of Credit, Merchant Pricing, Finance, Growth Analytics and other stakeholders.
The ideal candidate will have strong analytical and problem solving skills with solid knowledge of analytical tools, interpersonal skills to work cross-functionally and drive forward recommendations, and strong eagerness to identify new opportunities for modeling, optimization and improvement.
What You'll Do

• Architect, build, refine and improve automation and research infrastructure for loan cashflow models on existing collateral and simulation frameworks for future loan originations
• Collaborate with Machine Learning and Engineering teams to implement automated model monitoring
• Deep dive into Affirm collateral performance to identify potential risks and opportunities and provide insights for different stakeholders
• Collaborate with firm-wide analytics teams to deliver analyses and tools to users across the firm
• Review implementation of models focusing on requirement verification and code quality and conduct code review for different members of the team.=

What We Look For

• 2-4 years of professional experience in a data science, modeling, or quantitative finance role
• Extensive experience with SQL and Python, or other scripting languages. Experience with Spark is a plus
• Solid background in math/statistics/finance and familiarity with quantitative research methodologies and machine learning algorithms
• Strong curiosity to learn about data, models and algorithms and proven track record in analytical and problem solving skills
• Passionate to learn about Affirm’s business and desire to understand the business context
• Ability to collaborate and influence across different teams in the organization
• Github experience preferred. Existing github presence a plus

Pay Grade - USA29
Employees new to Affirm or promoted into a new role, typically begin in the min to mid range.USA base pay range (CA, WA, NY, NJ, CT) per year:
Min: $138,800
Mid: $173,500
Max: $208,200
USA base pay range (all other U.S. states) per year:
Min: $124,900
Mid: $156,100
Max: $187,300
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.
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