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 Merchant Risk Analytics team works cross-functionally with Merchant Underwriting, Compliance, Engineering, and other analytics teams to establish scalable risk management for merchant acquisition and portfolio monitoring. We're looking for an intelligent, driven individual who wants to learn, grow, and solve challenging problems.
This role requires strong analytical foundations and a willingness to operate across the full merchant risk lifecycle from onboarding to ongoing monitoring and risk expansion. You will support the development and maintenance of scalable analytics, modeling, automation, and monitoring frameworks as Affirm’s merchant footprint grows. The role emphasizes hands-on execution, learning, and ownership of core analyses and model-driven workflows, while collaborating closely with cross-functional partners
WHAT YOU’LL DO
Support merchant onboarding and ongoing portfolio monitoring through data analysis, modeling and automation workflows.
Detect and monitor fraud across the network, responding quickly to emerging risks.
Contribute to the development and improvement of scalable monitoring frameworks, controls, and reporting.
Assist in identifying gaps and opportunities within existing risk processes.
Partner cross-functionally to translate risk requirements into data-driven strategies
Leverage AI-assisted tools to accelerate analysis, automate workflows, and support the development of scalable, agentic merchant risk solutions.
WHAT WE LOOK FOR
EXPERIENCE - Minimum 1 year of experience in risk management or a related field, including prior experience with analytics.
ANALYTICAL THINKING - Strong problem-solving skills with the ability to break down ambiguous problems using data.
RESILIENCY - Ability to think creatively and critically, thriving in a fast-paced environment.
CURIOSITY - Eagerness to explore new tools and methodologies to solve real-world problems.
TECHNICAL SKILLS- Strong coding skills in Python, SQL or other scripting languages; familiarity with agentic / LLM orchestration frameworks.
PRODUCT KNOWLEDGE - Passion for understanding how the product works and the broader context of business decisions.
AI FLUENCY – Comfortable using AI tools to enhance productivity, analysis, and workflow automation; interest in building or leveraging agentic workflows to solve risk problems.
EDUCATION - Bachelor’s degree in a quantitatively rigorous field such as engineering, statistics, optimization, math, finance, or economics.
Pay Grade - I
Equity Grade - 3
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.)
CAN base pay range per year: $90,000-130,000
#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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What We Do
At Affirm, we help people say yes to the things that matter with flexible, transparent ways to pay over time. No hidden fees, no compound interest, and no fine print—just a smarter way to spend.
Why Work With Us
Who is an Affirmer? /noun/ Someone who believes finance shouldn’t be complicated. We come from a diverse set of backgrounds and we’re driven by the desire to improve lives through honest financial products. We define success by challenging one another to bring our best ideas to every single project—and we have fun while doing it.
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Employees work remotely.
Affirm is a remote-first company! Our employees can work anywhere in the U.S. but if an office is more your style, we have office locations in San Francisco, Chicago, New York City, and Pittsburgh.
