Analyst II, Credit Risk Analytics
About The Position
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. This role requires extensive use of data analytics to derive insights across a variety of functions. It also requires a lot of cross-functional partnership including working with the Machine Learning and Quantitative Market teams in developing new models/frameworks, with the Merchant Pricing and Merchant Risk teams to value different merchants, with the Fraud team to detect fraudulent activities, as part 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!
Requirements
- Passion and drive to change banking, payments and online marketing for the better
- 3-5 years work experience as a data analyst (consumer credit risk management strongly preferred but not required)
- Curiosity to learn about data, models and algorithms
- Extensive experience with SQL and Python
- Ability to collaborate and influence across different teams in the organization
- Ability to communicate findings and recommendations clearly to both technical and non-technical audiences
- A passion for finding insights in data and driving change based on those insights
Responsibilities
- Leverage advanced data analytics to derive insights and optimize credit strategies
- Perform portfolio analytics including out of trend investigations and attribution analysis
- Partner with Machine Learning and Engineering on building effective monitoring and credit risk capabilities
- Monitor portfolio as well as macroeconomic trends impacting loan performance
- Drive adjustments to our underwriting and marketing strategies to mitigate risk
- Contribute in enhancing the end-to-end portfolio management monitoring framework
Benefits
- 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
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
Education Level
No Education Listed
Number of Employees
501-1,000 employees
