Analyst II, Credit

About the Position

Analyst II, Credit

Remote UK

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.

As a Merchant Risk Analyst, you will assess financial risk related to credit, fraud, and identity associated with the merchants. You will also coordinate with cross-functional partners to assess non-financial risk – brand, reputational, legal, and compliance risk.

The ideal candidate will have knowledge or experience in e-commerce underwriting and/or commercial lending. They will also have a solid understanding of evaluating merchant financial risk based on 3rd party data, credit reports, and other merchant attributes. Prior work experience in payments, lending, banking, or financial institutions is a plus!

Responsibilities

• Assess brand, compliance, fraud, and financial risk and determine credit exposure risk on new and existing merchants
• Use business credit reports, financial documents, investigative research tools, and financial market data to conduct risk assessment of Affirm’s merchants
• Investigate and use new sources of third-party data to assess merchant financial risk
• Conduct ongoing monitoring of credit, fraud, and dispute/chargeback trends by merchants
• Business Improvement In Execution: Leverage your knowledge to provide guidance towards the automation/improvements of merchant risk evaluation

Requirements

• 3+ years of experience in assessing merchant risk in a function such as Merchant/Seller Risk Management, Fraud, Collections, or Merchant Underwriting
• Experience working with cross-functional partners across the organization, especially Sales and Business Development teams
• Experience reviewing financial documents, business credit reports, and payment processor statements
• Ownership mentality: Demonstrate an appropriate sense of accountability, ownership, urgency, and execution

Compensation & Benefits

Base Pay Range per Year: £66,000 - £76,000

Location: UK Remote

Equity Grade: 3

Benefits:

• Health coverage at no cost: We cover 100% of premiums for employees and their dependents.
• Spending stipends: Monthly stipends support your tech setup, and the ability to choose health and wellness options that are right for you.
• Time off to recharge: Flexible time off and generous holiday calendars help you rest when you need to.
• Own a piece of what you build: Our employee stock purchase plan (ESPP) lets you buy Affirm stock at a discount.

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 a commitment to providing an inclusive interview process, including accommodations for candidates with disabilities.

For positions based in San Francisco or Los Angeles: Affirm considers qualified applicants with arrest and conviction records, as required by law.

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