Senior

Affirm is a financial technology company that provides a clear, predictable way to pay over time, with no hidden fees or surprises. The Risk & Analytics (R&A) team makes crucial decisions that direct Affirm’s business strategy, partnering with Machine Learning, Product, Engineering, Capital Markets, and Commercial teams to grow responsibly by optimizing approval, conversion, losses, and profitability.

As a Senior Analyst in Affirm's Risk & Analytics organization, you will join one of several analytical teams working across the customer and merchant lifecycle. You will own complex analytical problems end to end, translating data into business strategy, and influencing decisions across technical and non-technical teams. You will operate with autonomy to own the entire analytical lifecycle, from initial question to final business decision.

• Leverage advanced data analytics to independently derive insights, develop, and optimize business, risk, or growth strategies across products and geographies.
• Monitor portfolio performance and exogenous macroeconomic trends, proactively adjusting analytical and operational strategies to mitigate risk and balance growth.
• Partner deeply with Engineering and Machine Learning teams to design, build, and interpret performance metrics for scalable risk, fraud, or growth models.
• Collaborate closely with Product, Legal, and Compliance teams to interpret evolving regulatory and market requirements, translating them into analytical policy and product design recommendations.
• Oversee the development and execution of analytical frameworks, driving cross-functional discussions to ensure new product launches and market entries align with risk appetite, operational capabilities, and local regulations.
• Engage with external stakeholders, including merchants, vendors, and partners, to align practices, ensure compliance, and strengthen strategic relationships.
• Build repeatable AI-assisted workflows that compound across the team's analyses, while mentoring junior analysts on technical craft and domain nuances.

• 2–5 years of proven experience in an analytically driven role within the consumer lending, credit, or fintech industry.
• Degree in Data Science, Computer Science, Engineering, Economics, or a related quantitative field.
• Advanced proficiency in SQL, Python, or other scripting languages.
• Deep expertise in data mining, data visualization, and statistical modeling, with experience applying machine learning techniques to business or risk management problems.
• Proven experience leading cross-functional initiatives that bridge Product, Legal, Compliance, and Engineering.
• Strong understanding of consumer lending regulations, regional market dynamics, and the broader economic landscape.
• Exceptional communication skills with the ability to influence senior stakeholders.

USA base pay range (CA, WA, NY, NJ, CT) per year: $145,000 - $205,000. USA base pay range (all other U.S. states) per year: $128,000 - $188,000. Total compensation may include monthly stipends for health, wellness and tech spending, and benefits including 100% subsidized medical coverage, dental and vision for you and your dependents. Employees may be eligible for equity rewards offered by Affirm Holdings, Inc. (parent company).

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