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:
Leverage advanced data analytics to derive insights and optimize credit strategies;
Partner with Engineering on building effective risk model and credit risk capabilities;
Monitor portfolio as well as macroeconomic trends impacting loan performance.Drive adjustments to our underwriting and marketing strategies to mitigate risk;
Oversee adjustments to underwriting strategies to mitigate risk, advising on best practices and ensuring the strategies align with risk management goals; Manage the team’s involvement in supporting new product formation and market exploration;
Provide mentorship, guidance, and support to a team of credit analysts, fostering skill development and ensuring high performance in credit strategy initiatives;
Oversee team resources and manage workload distribution, ensuring timely completion of projects and alignment with organizational goals.
May telecommute.
Supervises direct reports.
What we look for:
Master’s degree (or foreign equivalent) in Data Science, Computer Science, Engineering or related field & 3 years of experience in the following:
SQL, Python, or other scripting languages;
Data mining and data visualization;
Machine learning techniques for credit risk management;
Leveraging advanced analytics to develop credit strategies; and
Monitoring model performance.
Base Pay Grade – O
Equity Grade - 7
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 to $265,000
USA base pay range (all other U.S. states) per year: $191,000 – $241,000
#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
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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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.
