Capital Operations Analyst

Affirm

5d • $80,000 - $110,000 • Remote

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.
About the Capital Team
The Capital team manages the financial foundation that supports Affirm’s lending and innovation. We lead the funding, liquidity, and risk management strategy across capital markets, treasury, deal structuring, analytics, and bank partnerships. The team secures efficient funding while supporting sustainable business growth. We balance cost, flexibility, and risk to ensure Affirm’s financial resilience through all economic cycles. By optimizing capital structure and managing liquidity, we help build a scalable and resilient financial platform.
About the Role
We are looking for a highly technical and execution-oriented individual to join the Treasury team as a Capital Operations Analyst. Treasury is responsible for the capital management and operations, funding and liquidity planning, and balance sheet risk management of a rapidly growing FinTech company. In this particular role, you will focus on the funding operations for Affirm’s loan portfolio. This is a hands-on role for someone who enjoys solving problems in real time, digging into the operational details, and improving processes in a fast pace environment. You will have a unique opportunity to work cross-functionally across Capital, Finance, Product, and Engineering to drive better decisions and build long term solutions. The ideal candidate will feel comfortable rolling up their sleeves to manage day to day execution, while also displaying strong interpersonal skills to manage various stakeholders.

Requirements

• 2+ years of experience in Treasury, capital markets, or investment operations, preferably at a financial services firm or Fintech
• BA/BS degree in a quantitative discipline (e.g., Finance, Economics, Mathematics or related field)
• Strong attention to detail, ownership mentality, and willingness to dive into day-to-day operations to execute
• Excellent proficiency in financial modeling and Excel
• Ability to thrive in a fast-paced, high-growth, and often ambiguous environment while balancing strategic thinking with operational rigor
• Strong understanding of loan life cycle, asset back financing capital structures, liquidity management, and cash and risk management solutions

Nice To Haves

• Familiarity with SQL, Python, workflow automation tools, or AI-enabled productivity tools is a strong plus

Responsibilities

• Support all capital and funding operations and interface with internal partners as well as various external capital partners
• Develop a keen understanding of our loan portfolio and oversee the movement of loan related cash flows
• Build, automate, and enhance operational reporting, reconciliations, and monitoring to improve accuracy, scalability, and efficiency
• Manage ongoing internal and external audits for our funding facilities, including data validation, documentation, and coordination across stakeholders
• Support the evolution of capital operations by helping design scalable controls, governance frameworks, and operational best practices
• Lead monthly and quarterly investors financial reporting to ensure accurate and timely delivery

Benefits

• Affirm covers all premiums for all levels of coverage 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
• An employee stock purchase plan enabling you to buy shares of Affirm at a discount

What This Job Offers

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