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.
About Enterprise Risk & Internal Audit
The Enterprise Risk & Internal Audit department protects Affirm’s operations and long-term success. We identify, assess, and monitor risk across the business. Our work includes internal audits, regulatory assurance, fraud prevention, and crisis planning. The team maintains strong controls, tracks key risk indicators, and ensures readiness for external reviews. We uphold accountability, transparency, and resilience to support responsible growth.
About the Team
We're looking for an intelligent, driven professional to join our Model Risk Management (MRM) team as a Lead validator for Finance and Analytics models. MRM serves as Affirm's second line of defense, establishing and overseeing an effective model risk management framework to identify, quantify, monitor, mitigate, and report on model risk throughout the company.
What You'll Do:- Perform independent challenges of financial and analytics quantitative models — including ALM, allowance/loss forecasting, loan transition models (LTM), corporate financial planning models, take-up and engagement models, and related decision-support analytics — through rigorous validation and ongoing monitoring
- Lead end-to-end validation engagements on high-complexity, high-criticality models
- Identify model weaknesses, limitations, and opportunities for improvement; articulate findings clearly to technical and non-technical stakeholders
- Collaborate with model owners and stakeholders across Finance, Quantitative Research, and Growth Analytics to remediate validation findings and strengthen model governance
- Partner cross-functionally to implement and maintain the company's MRM framework
- Partner with Internal Audit, Internal Controls, Accounting, and Compliance to ensure timely resolution of audit, regulatory, and examiner requests
- 4–6 years of professional experience in related technical areas such as model development, model validation, quantitative finance, or data analytics — with meaningful exposure to financial and/or analytics model validation
- Deep and broad knowledge of corporate finance, treasury, ALM, and/or actuarial/statistical forecasting
- Experience in credit underwriting, credit risk management is a plus
- Proven ability to work with scripting languages (e.g., Python) and large-scale datasets (e.g., SQL); comfort reviewing models built in Excel, Python, Databricks, or similar environments
- Experience with statistical modeling, time-series forecasting, simulation, and/or machine learning techniques as applied to finance and analytics use cases
- BS, MS, or PhD in a quantitative field such as Quantitative Finance, Financial Engineering, Mathematics, Statistics, Economics, Computer Science, or Data Science
- Detail-oriented and intellectually curious about data, models, and business context; skilled at critical thinking and structured problem-solving
- Extraordinary interpersonal and verbal/written communication skills — able to influence model owners, present to senior stakeholders, and navigate cross-functional remediation
Pay Grade - M
Equity Grade - 8
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: $185,000 - $245,000
USA base pay range (all other U.S. states) per year: $164,000 - $224,000
#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.
Skills Required
- 4-6 years of professional experience in model development, model validation, quantitative finance, data analytics, or related technical areas
- Meaningful experience with financial and/or analytics model validation
- Deep knowledge of corporate finance, treasury, asset-liability management, and/or actuarial/statistical forecasting
- Experience working with scripting languages such as Python and large-scale datasets such as SQL
- Experience reviewing models built in Excel, Python, Databricks, or similar environments
- Experience with statistical modeling, time-series forecasting, simulation, and/or machine learning applied to finance and analytics
- BS, MS, or PhD in a quantitative field such as Quantitative Finance, Financial Engineering, Mathematics, Statistics, Economics, Computer Science, or Data Science
- Experience in credit underwriting or credit risk management
- Strong critical-thinking and structured problem-solving skills
- Excellent interpersonal, verbal, and written communication skills
What the Team is Saying
Affirm Compensation & Benefits Highlights
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Affordable Benefits — Zero-premium healthcare for employees and dependents is highlighted, with the benefits portal showing $0 payroll contributions and company-paid premiums for medical, dental, and vision in 2026. Transparent plan-cost displays further underscore the low out-of-pocket burden.
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Leave & Time Off Breadth — A wide mix is outlined, including Flexible Time Off for exempt employees, 20 accrued vacation days for non-exempt employees, Health Days, Bereavement, Life Happens leave, jury duty, and company-wide Away Days to reduce distractions. These programs collectively point to generous paid time provisions beyond standard PTO.
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Wellbeing & Lifestyle Benefits — No‑cost mental health support is offered via Lyra, and Forma-administered wallets provide substantial monthly stipends (e.g., Lifestyle and Tech) along with a S.A.F.E. family‑building wallet with a $20,000 lifetime maximum. This combination indicates strong support for everyday wellness and major life events.
Affirm Insights
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.
