Analytics Manager, Credit Risk

Affirm

🔍 Observed

$215K - $265K USD

Remote US First seen 3 weeks, 1 day ago Last seen 10 hours, 3 minutes ago Greenhouse

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Job Description

AI Summary

• Serve as the Credit POC managing end-to-end credit strategy for the Amazon portfolio while partnering cross-functionally with ML, Fraud, Product, and other teams to balance sustainable growth with portfolio profitability and resilience. • Develop and optimize credit strategies using alternative data to expand reach to underserved segments (low FICO, credit invisible users) and collaborate with ML to enhance underwriting frameworks for high AOV products. • Support new product formation and vertical exploration through data-driven credit strategy development and risk management. • Requires 7+ years credit risk experience, SQL/Python fluency, strong cross-functional collaboration skills, and ability to communicate insights to technical and non-technical audiences in a fast-paced environment. • Competitive compensation with base pay of $215K-$265K (CA/WA/NY/NJ/CT) or $190K+ (other states), plus equity, 100% subsidized medical coverage, and wellness/tech stipends.

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, Fraud, Product, Engineering, Capital Markets, and Commercial teams to responsibly manage the risk profile of the business. We’re looking for an intelligent, 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, designing credit strategies for new initiatives and products, partnering with the Machine Learning team to continuously enhance our underwriting framework, and being ready to navigate through any exogenous changes will be important problems to tackle.

This role requires a lot of cross-functional partnership, with extensive use of data analytics to derive insights and develop credit strategies. 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!

What you'll do

Partner with cross-functional teams and be the Credit POC that manages the end-to-end credit strategy for the Amazon portfolio
Leverage alternative data and optimize our credit strategy to expand credit reach to the low FICO and credit invisible users
Partner with Machine Learning team to enhance our underwriting framework for high AOV
Support new product formation and new vertical exploration

What we look for

Experience - 7+ years work experience in the credit risk field
Vision - A visionary leader who can challenge the status-quo and identify opportunities, as well as develop the roadmap and strategy plan
Risk Knowledge - Working knowledge of the fundamentals of the lending industry and credit risk management
Technical Skills - Fluent in SQL, and experience with Python
Multi-tasking - Strong time management skills and the ability to manage multiple projects and priorities, and able to thrive in a fast-paced environment
Collaboration - Ability to collaborate and influence across different teams
Communication - Ability to communicate findings and recommendations clearly to both technical and non-technical audiences

Pay Grade - O
Equity Grade - 12

Employees new to Affirm typically come in at the start of the pay range. Affirm focuses on providing a simple and transparent pay structure which is based on a variety of factors, including location, experience and job-related skills.

Base pay is part of a total compensation package that may include equity rewards, monthly stipends for health, wellness and tech spending, and benefits (including 100% subsidized medical coverage, dental and vision for you and your dependents.)

USA base pay range (CA, WA, NY, NJ, CT) per year: $215,000-265,000
USA base pay range (all other U.S. states) per year: $191,000 - 241,000

#LI-Remote

Affirm is proud to be a remote-first company! The majority of our roles are remote and you can work almost anywhere within the country of employment. Affirmers in proximal roles have the flexibility to work remotely, but will occasionally be required to work out of their assigned Affirm office. A limited number of roles remain office-based due to the nature of their job responsibilities.

We’re extremely proud to offer competitive benefits that are anchored to our core value of people come first. Some key highlights of our benefits package include:

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

We believe It’s On Us to provide an inclusive interview experience for all, including people with disabilities. We are happy to provide reasonable accommodations to candidates in need of individualized support during the hiring process.

[For U.S. positions that could be performed in Los Angeles or San Francisco] Pursuant to the San Francisco Fair Chance Ordinance and Los Angeles Fair Chance Initiative for Hiring Ordinance, Affirm will consider for employment qualified applicants with arrest and conviction records.

By clicking "Submit Application," you acknowledge that you have read Affirm's Global Candidate Privacy Notice and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.

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Job Information

Company:
Affirm
Location:
Remote US
Work Location:
Remote
Experience Level:
Senior
Source:
Greenhouse
Status:
Active

Activity Score

65 /100

Likely Active (65)

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