Analyst II, Full Stack

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.

What You'Ll Do:

• Performing financial and economic data experimentation and leveraging advanced data  analytics to derive critical insights;  
• Review capital markets, dissect complex data and translate it into actionable strategies to  help optimize credit underwriting;  
• Determining and optimizing user limit assignments to ensure they are set optimally to  balance risk and growth and drive user engagement;  
• Optimizing Affirm’s portfolio, managing risk and ensuring the health and profitability of  credit offerings;  
• Designing and implementing inclusive credit strategies and economic credit models by  utilizing alternative data and expanding credit to more users while managing the risk  strategically;  
• Partnering with Machine Learning and Engineering teams to build effective credit risk  capabilities; and 
• Collaborate with Product teams to develop new products and features, the Merchant  Pricing Team to value different Merchants and the Finance team to facilitate discussions  with debt and equity investors. 

• May Telecommute.

• Position requires 5% of travel to various unanticipated worksites nationally. 

What We Look For:

• PhD degree (or foreign equivalent) in Economics, Statistics, Math or related field & 1 year  of experience in the following: 
• Economic and accounting principles and practices, including: the financial markets,  banking, and the analysis and reporting of financial data; 
• SQL, Python, R, Matlab, or AWS; 

• Looker Or Tableau;

• Risk modeling including both credit and market risk, assessing macroeconomic trends and  financial performance, enabling evaluation of industry risk trends; 
• Using advanced machine learning techniques to develop quantitative models to predict  probability of default with financials and macroeconomic indicators; 
• Data analytics, financial modeling, model validation, and risk analytics. 

Base Pay Grade –K 

Equity Grade - 5 

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: $140,000 - $190,000

USA base pay range (all other U.S. states) per year: $124,000-$174,000 

#Li-Dni

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.

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