About the role

Role overview

Join Affirm’s Risk & Analytics team as an Analytics Lead (Full Stack, Credit Analytics). You’ll use advanced analytics to shape business strategy by optimizing credit strategies, underwriting frameworks, and risk models.

Key missions

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 affecting loan outcomes, and proactively adjust underwriting and marketing strategies to mitigate risk.

Profile / requirements

Exceptional analytical rigor and credit domain expertise; ability to influence both technical and non-technical stakeholders.
Comfortable operating at both strategic and execution levels; can translate complex regulatory and economic insights into actionable credit strategies.
Strong communication skills with influence over senior stakeholders.
Deep understanding of consumer lending regulations, fair lending principles, and regional market dynamics affecting credit policy and underwriting.
Ability to develop and optimize credit strategies using advanced analytics.

Skills & experience

SQL and Python (or other scripting languages).
Machine learning techniques for credit risk management.
Model performance monitoring and interpretation across portfolios.
Experience setting credit strategy for de novo products using sandbox data, retrospective studies, or archives.
Data mining, data visualization, and statistical modeling.
Demonstrated success mentoring analytical teams and driving data-informed decision-making at scale.
Experience leading cross-functional initiatives across Product, Legal, Compliance, and Engineering.

Education / seniority

4+ years of experience (or equivalent senior-level experience) with a relevant degree in Data Science, Computer Science, Engineering, Economics, or related field.

Nice to have

Experience in high-line unsecured lending, especially in the home improvement vertical.

About Affirm

Affirm is a consumer fintech company focused on helping customers pay over time. It operates in the credit and lending space, combining risk management and analytics to make responsible lending decisions at scale.

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