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 Backbook Risk team is responsible for Affirm’s backbook strategy, delinquency forecasting and performance monitoring globally. Team works cross-functionally with Risk, Compliance, Machine Learning, Product, Engineering, Operations, Analytics, and Finance teams to define and execute the Backbook Risk strategies, improve unit economics and ensure adherence to the risk appetites.

This role requires extensive use of data analytics to derive insights and develop risk strategies. Collaborating with cross-functional partners, full stack analyst works with the Product teams to develop strategy for new products, features and experiments, with the Machine Learning and Engineering teams to develop new forecasting models and risk management capabilities,, with the Operation team to execute risk and resolution strategies, with the Finance team to help facilitate discussions on portfolio performance and loss forecasting.

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

In collaboration with the Product, Machine Learning, Analytics and Finance teams, mature and evolve repayment and loan modification products with strategies iteration and experimentation.
Develop and continuously improve backbook forecasting and performance attribution processes.
Design and develop solutions to track key portfolio metrics, monitor risk / macroeconomic trends and communicate findings to stakeholders
Own end-to-end risk analytic workflow to support data-driven decisions and customer impact initiatives for backbook risk management and strategies
Solve interesting credit and user segmentation challenges with alternative data and advanced analytics

What We Look For

Passion to redefine the lending and financial industry for the better
2-4 years of work experience in risk analytics within Fintech/Banking.
Proficient in SQL, experience with Python and data visualization tools
Proven understanding of risk fundamentals (experience with both consumer and business risk management practices, an understanding of industry risk trends
Ability to communicate findings and recommendations clearly to both technical and non-technical audiences
Bachelor’s or Master’s degree in a quantitatively rigorous subject area like engineering, statistics, math, finance, economics, computer science desired
Intelligence + Humility. Hubris is the fastest way to blow up a business!

Base Pay Grade - K

Equity Grade - 6

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.)

CA base pay range per year: $109,000-159,000

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.

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 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.

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