Analyst II, Full Stack

Affirm

110d • $124,000 - $190,000

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 position involves performing financial and economic data experimentation and leveraging advanced data analytics to derive critical insights. Responsibilities include reviewing capital markets, dissecting complex data, and translating it into actionable strategies to help optimize credit underwriting. The role also involves determining and optimizing user limit assignments to ensure they are set optimally to balance risk and growth, optimizing Affirm’s portfolio, managing risk, and ensuring the health and profitability of credit offerings. Additionally, the position requires designing and implementing inclusive credit strategies and economic credit models by utilizing alternative data and expanding credit to more users while managing risk strategically. Collaboration with Machine Learning and Engineering teams to build effective credit risk capabilities and working with Product teams to develop new products and features is also essential.

Requirements

• PhD degree (or foreign equivalent) in Economics, Statistics, Math or related field.
• 1 year of experience in economic and accounting principles and practices, including financial markets, banking, and the analysis and reporting of financial data.
• Proficiency in SQL, Python, R, Matlab, or AWS.
• Experience with Looker or Tableau.
• Knowledge of risk modeling including both credit and market risk, assessing macroeconomic trends and financial performance.
• Experience using advanced machine learning techniques to develop quantitative models to predict probability of default with financials and macroeconomic indicators.
• Experience in data analytics, financial modeling, model validation, and risk analytics.

Responsibilities

• Perform financial and economic data experimentation and leverage advanced data analytics to derive critical insights.
• Review capital markets, dissect complex data, and translate it into actionable strategies to help optimize credit underwriting.
• Determine and optimize user limit assignments to ensure they are set optimally to balance risk and growth and drive user engagement.
• Optimize Affirm’s portfolio, manage risk, and ensure the health and profitability of credit offerings.
• Design and implement inclusive credit strategies and economic credit models by utilizing alternative data.
• Partner with Machine Learning and Engineering teams to build effective credit risk capabilities.
• Collaborate with Product teams to develop new products and features, the Merchant Pricing Team to value different Merchants, and the Finance team to facilitate discussions with debt and equity investors.

Benefits

• 100% subsidized medical coverage, dental and vision for you and your dependents.
• Generous stipends for spending on Technology, Food, various Lifestyle needs, and family forming expenses.
• Competitive vacation and holiday schedules allowing you to take time off to rest and recharge.
• Employee stock purchase plan enabling you to buy shares of Affirm at a discount.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Education Level: Ph.D. or professional degree
• Number of Employees: 1,001-5,000 employees