Analyst II, Full Stack

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 Credit team works cross-functionally with Machine Learning, Product, Engineering, Capital Markets, and Commercial teams to responsibly manage the risk profile of the business. We’re looking for a thoughtful, driven individual who wants to learn, grow, and solve hard problems.The team’s mandate is to enable sustainable growth while closely managing the profitability and resilience of our portfolio. As Affirm continues on an exciting growth trajectory, thinking through credit policies for new initiatives and products, shaping ongoing testing and experimentation, and being ready for navigating through any exogenous changes will be important problems to tackle.It also requires a lot of cross-functional partnership. Working with the Machine Learning and Engineering team to develop new underwriting models, with the Product teams to develop new products and features, with the Merchant Pricing team to value different merchants, and with the Finance team to help facilitate discussions with debt and equity investors are some parts of the role.Come join us in our mission to change consumer finance through better data and technology, lower costs, and increased transparency while providing the best customer experience!What You'll Do Leverage advanced data analytics to derive insights and optimize credit strategiesPerform portfolio analytics including out of trend investigations and attribution analysisPartner with Machine Learning and Engineering on building effective credit risk capabilitiesMonitor portfolio as well as macroeconomic trends impacting loan performance. Drive adjustments to our underwriting and marketing strategies to mitigate riskContribute in enhancing the end-to-end portfolio management monitoring frameworkWhat We Look For Passion and drive to change banking, payments, and online marketing for the better3 years work experience as a data analyst (consumer credit risk management strongly preferred but not required)Curiosity to learn about data, models, and algorithmsExtensive experience with SQL and PythonAbility to collaborate and influence across different teams in the organizationAbility to communicate findings and recommendations clearly to both technical and non-technical audiencesA passion for finding insights in data and driving change based on those insightsGrit. Lots of grit. You’ll wear 7 hats and not love all of themBase Pay Grade - KEquity Grade - 6Employees 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 : $140,000 - $190,000USA base pay range (all other U.S. states) per year : $124,000 - $174,000#LI-RemoteAffirm 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.We’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 dependentsFlexible Spending Wallets - generous stipends for spending on Technology, Food, various Lifestyle needs, and family forming expensesTime off - competitive vacation and holiday schedules allowing you to take time off to rest and rechargeESPP - An employee stock purchase plan enabling you to buy shares of Affirm at a discountWe 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 clicking "Submit Application," you acknowledge that you have read Affirm's Global Candidate Privacy Notice and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.Apply for this job#J-18808-Ljbffr

Salary : $124,000 - $174,000