Analyst II, Credit Risk- Portfolio Monitoring and Direct to Consumer

SAN DIEGO, CAPosted 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 using data analytics to manage and optimize the company's credit portfolio, supporting sustainable growth and profitability.

• Responsibilities and impact

  The role involves leveraging data analytics and experimentation to optimize credit underwriting, managing user credit limits, designing inclusive credit strategies, and collaborating with Machine Learning, Engineering, Product, Merchant Pricing, and Finance teams.

• 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 100% 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.

• Career development

  The role provides opportunities to learn and grow by solving complex problems and working cross-functionally with various teams in a growing company.

• Work environment and culture

  Affirm promotes a remote-first work environment with flexibility, inclusivity, and a people-first culture emphasizing transparency and support for employees.

• Company information

  Affirm is a company reinventing credit with a focus on honest, transparent consumer finance, offering buy now pay later options without hidden fees or compounding interest.

• Team overview

  The candidate will join the Credit team, which collaborates cross-functionally with Machine Learning, Product, Engineering, Capital Markets, and Commercial teams to manage credit risk and portfolio health.

• Job location and travel

  This is a remote-first position with flexibility to work from most locations within the U.S., with occasional requirements to work from Affirm offices depending on role specifics.

• Application process

  Applicants must submit their application online and acknowledge Affirm's privacy notice; the company provides accommodations for candidates with disabilities and considers applicants with arrest and conviction records in certain locations.

• Unique job features

  The job stands out for its use of advanced data analytics, cross-functional collaboration, and a mission-driven approach to transforming 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

• Tailor your resume to highlight your experience with data analytics, SQL, Python, and any exposure to credit risk or portfolio monitoring, emphasizing your ability to derive actionable insights from complex data sets.

• Showcase your collaborative skills and experience working cross-functionally with teams such as Machine Learning, Product, Engineering, and Finance, as this role requires strong partnership capabilities.

• Apply through multiple platforms including Affirm's corporate careers page and LinkedIn to maximize your application visibility and increase your chances of securing an interview.

• Connect on LinkedIn with current employees in Affirm's Credit or Risk teams and use ice breakers such as commenting on recent Affirm credit innovations, asking about the team’s approach to credit strategy, or expressing enthusiasm for Affirm’s mission to reinvent credit.

• Optimize your resume for ATS by incorporating keywords from the job description like 'credit risk management,' 'data analytics,' 'SQL,' 'Python,' 'portfolio optimization,' and 'cross-functional collaboration' to ensure your resume passes initial screening algorithms.

• Use Jennie Johnson's Power Apply feature to automate tailored applications across multiple sites, identify and reach out to relevant Affirm contacts on LinkedIn, and optimize your resume for ATS, saving you time and increasing your job search efficiency.