Backbook Risk Analyst

The job overview for this role is that it is a position within the Backbook Risk team at Affirm, a company that is reinventing credit. The role involves using data analytics to develop risk strategies and collaborate with cross-functional teams. The main responsibilities include providing analysis for backbook risk management, tracking portfolio metrics, supporting forecasting processes, and solving credit and user segmentation challenges. The ideal candidate should have a passion for redefining the lending and financial industry, along with experience in risk analytics and proficiency in SQL and Python.

• Provide end-to-end analysis to support data-driven decisions and customer impact initiatives for backbook risk management and strategies
• Develop solutions to track key portfolio metrics, monitor risk/macro-economic trends, and communicate findings to stakeholders
• Collaborate with the Machine Learning, Credit Risk, Analytics, and Finance teams to support backbook forecasting and performance attribution processes
• Support repayment and loan modification products with strategies iteration and experimentation analysis
• Solve credit and user segmentation challenges with alternative data and advanced analytics

• 1-3 years of work experience in risk analytics within Fintech/Banking
• Proficient in SQL, experience with Python and data visualization tools
• 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
• Passion to redefine the lending and financial industry for the better
• Intelligence + Humility. Hubris is the fastest way to blow up a business!

• 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