About the Position

We are looking for an Analyst I to join our Risk & Analytics (R&A) team at Affirm. This role focuses on leveraging data to optimize business strategies and performance across the customer and merchant lifecycle.

About the Risk & Analytics Team

The Risk & Analytics (R&A) team is integral to Affirm’s business strategy. We partner with various teams to grow the company responsibly by optimizing approval, conversion, losses, and profitability. Our team tackles diverse challenges, from mitigating fraud risk to building scalable data foundations and enabling international growth.

Responsibilities

Derive Insights & Support Strategy: Leverage data analytics to uncover insights that help optimize product, risk, or growth strategies across geographies.
Monitor Portfolio Health: Assist in tracking performance metrics, user behavior, and macroeconomic trends that impact business outcomes, flagging risks and anomalies to senior team members.
Technical Execution: Write clean, working SQL and Python to build scalable reporting and partner with Engineering to support the deployment of machine learning and risk models.
Cross-Functional Collaboration: Work closely with Product, Legal, and Compliance to understand evolving consumer lending regulations and market requirements, assisting in translating them into foundational data models and operational policies.
Drive Launch Alignment: Support cross-functional discussions to ensure new product launches and market entries align with our operational capabilities and risk appetite.
AI Fluency & Efficiency: Integrate AI tools such as Cursor, Claude Code, and copilots into your daily workflows to accelerate data mining and routine tasks, while carefully verifying outputs.

Requirements

1–3 years of experience in an analytically driven role. Relevant internships or prior experience in consumer lending, fintech, or the broader financial services industry are highly valued.
Degree in Data Science, Computer Science, Engineering, Economics, or a related quantitative field.
Solid working knowledge of SQL and Python.
Familiarity with data mining, data visualization, and foundational statistical modeling.
Basic understanding of, or deep curiosity about, consumer lending regulations, fair lending principles, and how machine learning techniques apply to real-world business problems.
Exceptional communication skills, humility, and the ability to collaborate effectively with cross-functional peers.

We Offer

Competitive Salary: USA base pay range (CA, WA, NY, NJ, CT) per year: $115,000 - $165,000. USA base pay range (all other U.S. states) per year: $101,000 - $151,000.
Health Coverage: 100% subsidized medical coverage, dental, and vision for you and your dependents.
Spending Stipends: Monthly stipends for health, wellness, and tech spending.
Flexible Time Off: Generous holiday calendars and flexible time off.
Equity Rewards: Opportunity to own a piece of what you build through our employee stock purchase plan (ESPP).

About the Company

At Affirm, we exist for the moments that matter-giving people a clear, predictable way to pay over time, with no hidden fees, no surprises, and no tradeoffs on what matters most. We are proud to be a remote-first company, offering flexibility and the opportunity to work from almost anywhere within the country of employment.

Apply for this Job

If you are a thoughtful, driven individual eager to build a strong technical foundation, learn how to navigate exogenous market changes, and integrate modern AI tooling to solve hard problems efficiently, we encourage you to apply.

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