Analyst, Early Career (Full Stack)

Affirm • San Francisco, CA

5h • Hybrid

About The Position

Affirm is hiring multiple Early Career Analysts across its Risk & Analytics organization. Analysts will be matched to a team based on their interests, experience, strengths, and business needs. Potential placements include Point of Sale, Direct to Consumer/Card, Fraud, Core Analytics, Servicing and Payments, and International Expansion. The Risk & Analytics organization partners with teams including Machine Learning, Product, Engineering, Capital Markets, and Commercial to help grow Affirm responsibly by optimizing approval, conversion, losses, and profitability.

Early Career Analysts use data to understand business performance, identify opportunities, and support better decisions across the customer and merchant lifecycle. Under guidance from senior analysts and managers, they execute scoped analytical work, learn consumer lending fundamentals, and use SQL, Python, and modern analytical tools to optimize strategies, monitor performance, and turn complex data into actionable insights. The role also involves learning to navigate market changes and using AI tools effectively while verifying their outputs.

The early-career program pairs participants with a tenured Affirmer. Participants can collaborate in person three days a week from the New York City or San Francisco office, with remote work also available. After one year, participants may remain hybrid, work remotely, or work from an office. Affirm describes itself as a remote-first company; some roles may occasionally require office attendance, and new hires are invited to in-person onboarding.

Requirements

• Currently pursuing a bachelor's degree or higher and expected to complete the most recent full-time degree program by August 2027 or earlier.
• Working knowledge of SQL, Python, or other scripting languages.
• Familiarity with data mining, data visualization, and foundational statistical modeling.
• Basic understanding of or strong curiosity about consumer lending regulations, fair lending principles, and the application of machine learning to real-world business problems.
• Exceptional communication skills, humility, and ability to collaborate effectively.

Nice To Haves

• Degree in Data Science, Computer Science, Engineering, Economics, Statistics, Math, or a related quantitative field.
• Relevant internships or prior experience in consumer lending, fintech, or broader financial services.

Responsibilities

• Use data analytics to uncover insights and help optimize product, risk, or growth strategies across geographies.
• Assist in tracking performance metrics, user behavior, and macroeconomic trends, and flag risks and anomalies to senior team members.
• Write clean, working SQL and Python to build scalable reporting.
• Partner with Engineering to support deployment of machine learning and risk models.
• Work with Product, Legal, and Compliance to understand consumer lending regulations and market requirements, and help translate them into foundational data models and operational policies.
• Support cross-functional discussions to ensure product launches and market entries align with operational capabilities and risk appetite.
• Integrate AI tools such as Cursor, Claude Code, and copilots into daily workflows to accelerate data mining and routine tasks, while verifying their outputs.

Benefits

• 100% subsidized medical coverage for employees and their dependents.
• Dental and vision coverage for employees and their dependents.
• Monthly stipends for health, wellness, and technology spending.
• Flexible time off and generous holiday calendars.
• Employee stock purchase plan allowing employees to buy Affirm stock at a discount.
• Employees may be eligible for equity rewards.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level