Analyst II, Credit Risk- Portfolio Monitoring and Direct to Consumer
PORTLAND, ORPosted 18 days ago
Job summary
Job post source
This job is directly from Affirm
Job overview
The Analyst II, Credit Risk role at Affirm focuses on leveraging data analytics to optimize credit underwriting and portfolio health, contributing to sustainable growth and risk management.
Responsibilities and impact
The role involves using experimentation and data analysis to derive credit strategies, optimizing user credit limits, managing portfolio risk and profitability, designing inclusive credit strategies, and collaborating with Machine Learning and Engineering teams to build credit risk capabilities.
Compensation and benefits
The position offers a base pay range of $124,000 to $190,000 depending on location, equity rewards, monthly stipends for health, wellness, and tech spending, and comprehensive benefits including fully subsidized medical, dental, and vision coverage for employees and dependents.
Experience and skills
Candidates should have 2-4 years of experience as a data analyst or data scientist, preferably in consumer credit risk management, with strong skills in SQL and Python; experience with Spark and cross-team collaboration is a plus.
Work environment and culture
Affirm promotes a remote-first work environment with flexibility for proximal roles to work from office occasionally, emphasizing an inclusive culture with competitive benefits and a people-first value system.
Company information
Affirm is a company reinventing credit to be honest and transparent, offering buy now pay later options without hidden fees, and working cross-functionally to manage credit risk and support sustainable growth.
Job location and travel
The role is remote-first within the U.S. with flexibility to work from an Affirm office occasionally depending on role requirements.
Application process
Applicants must submit their application acknowledging Affirm's Global Candidate Privacy Notice; Affirm provides reasonable accommodations during hiring and considers applicants with arrest and conviction records in certain locations.
Unique job features
The job features innovative work on credit risk strategies using advanced data analytics and cross-functional collaboration to impact consumer finance through technology and transparency.
Company overview
Affirm is a financial technology company that provides installment loans to consumers at the point of sale, enabling them to make purchases and pay over time. Founded in 2012 by Max Levchin, a co-founder of PayPal, Affirm makes money by charging interest on these loans and partnering with merchants who pay a fee to offer Affirm's financing options. The company is known for its transparent, no-hidden-fee approach and has grown rapidly, going public in January 2021. Affirm's mission is to deliver honest financial products that improve lives.
How to land this job
Position your resume to highlight your expertise in data analytics, SQL, and Python, emphasizing your ability to derive actionable insights and optimize credit underwriting strategies as described in the job role at Affirm.
Focus on showcasing your experience in credit risk management or related data analysis roles, especially your capacity to collaborate cross-functionally with teams like Machine Learning, Product, and Engineering to build and refine credit risk models.
Apply through multiple platforms including Affirm's official careers page and LinkedIn to maximize your application's visibility and increase your chances of being noticed by recruiters.
Connect with current employees in the Credit Risk or Data Analytics divisions at Affirm on LinkedIn; start conversations by referencing recent Affirm initiatives like their transparent credit products or by asking about their experience working on credit risk strategies.
Optimize your resume for ATS by incorporating key terms from the job description such as 'credit underwriting,' 'data analytics,' 'SQL,' 'Python,' 'portfolio optimization,' and 'cross-functional collaboration' to ensure your resume passes automated screenings.
Leverage Jennie Johnson's Power Apply feature to automate tailoring your resume, identify multiple application channels, and find relevant LinkedIn contacts, allowing you to focus more effectively on preparing for interviews and networking.
Jennie Johnson works for you!
Here’s what we do to make sure you’re successful:
Targeted Resume Revamp:
We expertly craft your resume to navigate Applicant Tracking Systems (ATS) and showcase your qualifications, making you stand out as a top-tier candidate.
Job Description Dissection:
Unpack the job posting with expert analysis, ensuring your application hits every key requirement.
Bespoke Cover Letter:
Capture the attention of hiring managers with a personalized cover letter that highlights how your skills align perfectly with the job's needs.
Interview Mastery:
Prepare for interviews like a pro with likely questions, strategic answers, and insightful questions for you to ask, setting you apart as an informed candidate.
Direct Application Insights:
Receive tailored advice on the best places to apply, ensuring your applications are seen by the right employers.
Skills and Gaps Assessment:
Identify and close critical skills gaps to position yourself as the best-fit candidate for your ideal job.
Personalized Email Pitch:
Make a memorable first impression with an email template crafted to engage potential employers and initiate meaningful conversations.
In-depth Research Guide:
Leverage comprehensive research tools to gather effective insights on companies, industry trends, and role-specific challenges.
Detailed Company Analysis:
Gain in-depth understanding of your prospective employer, giving you the edge in applications and interviews.
Strategic Candidate Overview:
Understand your unique value and why companies would want to interview you, highlighting your background and positioning.