Note: The job is a remote job and is open to candidates in USA. Affirm is reinventing credit to make it more honest and friendly, giving consumers the flexibility to buy now and pay later. The Analyst II, Full Stack (Credit Analytics) role involves leveraging advanced data analytics to optimize credit strategies, collaborating with various teams to ensure compliance and strengthen partnerships, and overseeing the development of credit underwriting frameworks.

Responsibilities

• Leverage advanced data analytics to derive insights and optimize credit strategies across products and geographies
• Partner with Engineering to design and build scalable risk models and credit risk capabilities
• Monitor portfolio performance and macroeconomic trends that impact loan outcomes; proactively adjust underwriting and marketing strategies to mitigate risk
• Collaborate closely with Product, Legal, and Compliance teams to interpret evolving regulatory and market requirements across jurisdictions, and translate them into credit policy, underwriting, and product design recommendations
• Engage and coordinate with external stakeholders — including merchants, vendors, and regulatory bodies — to align credit risk practices, ensure compliance, and strengthen strategic partnerships
• Oversee the development and execution of credit underwriting frameworks that balance growth, compliance, and risk mitigation goals
• Drive cross-functional discussions to ensure new product launches and market entries are aligned with risk appetite, operational capabilities, and local regulations

Skills

• Degree in Data Science, Computer Science, Engineering, Economics, or a related field, and 2+ years of experience (or equivalent senior-level experience)
• SQL, Python, or other scripting languages
• Data mining, data visualisation, and statistical modeling
• Applying machine learning techniques to credit risk management
• Leveraging advanced analytics to develop and optimise credit strategies
• Monitoring and interpreting model performance metrics across portfolios
• Proven experience leading cross-functional initiatives that bridge Product, Legal, Compliance, and Engineering to align credit strategies with regulatory frameworks and business objectives
• Deep understanding of consumer lending regulations, fair lending principles, and regional market dynamics influencing credit policy and underwriting
• Ability to translate complex regulatory and economic insights into actionable credit and product strategies
• Exceptional communication skills with the ability to influence senior stakeholders across technical and non-technical functions

Benefits

• Equity rewards
• Monthly stipends for health, wellness and tech spending
• Benefits (including 100% subsidized medical coverage, dental and vision for you and your dependents.)
• 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
• Remote-first company
• Flexibility to work remotely, but will occasionally be required to work out of their assigned Affirm office

Company Overview

Company H1B Sponsorship