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 Fraud Strategy and Analytics team works cross-functionally with Machine Learning, Product, Engineering, Operations to combat fraudulent activities and foster a safe platform for our users.
This role requires a lot of cross-functional partnership. This individual will be the Analytics point of contact to support the identity and fraud decisioning initiatives. Additionally, this role will work closely with the Machine Learning teams to enhance and make better use of the fraud models.
Come join us in our mission to deliver honest and transparent financial products that improve lives.
What You'll Do
- Proactively explore data and identify opportunities to improve identity and fraud prevention strategies
- Translate analysis and trends into decisioning logic recommendations to improve identity and fraud conversion rates or reduce fraud losses
- Own end-to-end analytics workflow, including finding the pain points, defining success metrics, socializing ideas across the organization, and monitoring the A/B test
- Use DBT and Looker to monitor the performance of the identity and fraud decisioning systems
- Develop scalable frameworks to manage tiered cutoffs for proprietary fraud machine learning models
- Evaluate new external data sources to solve individual identity risk, device risk and transaction risk
- Partner with Machine Learning and to build fraud strategies for new product and user segments
What We Look For
- EXPERIENCE - 2-5 years work experience as a data analyst/data scientist in fraud/identity or credit risk at a FinTech company
- TECHNICAL SKILLS - Must be highly proficient in SQL; Experience with Python or R and data visualization tools is a plus; Experience/knowledge with Machine Learning is a plus
- PEOPLE SKILLS - A team player with the ability to collaborate and influence across different teams in the organization
- COMMUNICATION - Ability to clearly communicate findings and recommendations to both technical and non-technical audiences
- PRODUCT KNOWLEDGE - Passion to understand how the product works and how to change to make it more effective
- MULTI-TASKING - Strong time management skills and the ability to manage multiple projects and priorities; Ability to thrive in a fast-paced environment and be responsive and available during high intensity moments
- EDUCATION - Bachelor’s or Master’s degree degree in a quantitatively rigorous discipline like analytics, engineering, statistics, math, or economics
- RISK KNOWLEDGE - Knowledge of the fundamentals of payment processing and an understanding of industry risk trends, including familiarity with risk strategy development
- This position requires either equivalent practical experience or a Bachelor’s degree in a related field
Pay Grade - K
Equity Grade - 6
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: $140,000 - $190,000
USA base pay range (all other U.S. states) per year: $124,000 - $174,000
#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 the Affirm Employment Privacy Policy for applicants within the United States, the EU Employee Notice Regarding Use of Personal Data (Poland) for applicants applying from Poland, the EU Employee Notice Regarding Use of Personal Data (Spain) for applicants applying from Spain, or the Affirm U.K. Limited Employee Notice Regarding Use of Personal Data for applicants applying from the United Kingdom, and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.
What the Team is Saying
What We Do
Since our founding over a decade ago, our mission has been to deliver honest financial products that improve lives. That mission hasn’t changed—and it never will. At Affirm, we believe money shouldn’t dictate your direction in life. That it should open up options instead of limiting them, and help you get where you’re going without getting in your way. That’s why we offer people the financial flexibility to choose what works for them—in finances and in life.
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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Affirm Offices
Remote Workspace
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.
