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.
What You'll Do:
Performing financial and economic data experimentation and leveraging advanced data analytics to derive critical insights;
Review capital markets, dissect complex data and translate it into actionable strategies to help optimize credit underwriting;
Determining and optimizing user limit assignments to ensure they are set optimally to balance risk and growth and drive user engagement;
Optimizing Affirm’s portfolio, managing risk and ensuring the health and profitability of credit offerings;
Designing and implementing inclusive credit strategies and economic credit models by utilizing alternative data and expanding credit to more users while managing the risk strategically;
Partnering with Machine Learning and Engineering teams to build effective credit risk capabilities; and
Collaborate with Product teams to develop new products and features, the Merchant Pricing Team to value different Merchants and the Finance team to facilitate discussions with debt and equity investors.
May telecommute.
Position requires 5% of travel to various unanticipated worksites nationally.
What we look for:
PhD degree (or foreign equivalent) in Economics, Statistics, Math or related field & 1 year of experience in the following:
Economic and accounting principles and practices, including: the financial markets, banking, and the analysis and reporting of financial data;
SQL, Python, R, Matlab, or AWS;
Looker or Tableau;
Risk modeling including both credit and market risk, assessing macroeconomic trends and financial performance, enabling evaluation of industry risk trends;
Using advanced machine learning techniques to develop quantitative models to predict probability of default with financials and macroeconomic indicators;
Data analytics, financial modeling, model validation, and risk analytics.
Base Pay Grade –K
Equity Grade - 5
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-DNI
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.
Top Skills
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; 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.
