Analyst II (Backbook risk)

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.

The Backbook Risk team is responsible for Affirm’s backbook strategy, forecasting and performance monitoring globally. The team works cross-functionally with Credit Risk, Compliance, Machine Learning, Product, Engineering, Operations, Growth Analytics, and Finance teams to define and ensure execution of the Backbook Risk strategy to assert adherence to the Risk Appetite.

This role requires extensive use of data analytics to derive insights and develop risk strategies, collaborating with cross-functional partners to manage the company’s backbook and improve customer repayments. The full stack senior analyst will work with the Product team to develop new products and features, with the Machine Learning and Engineering team to develop new forecasting models and risk management capabilities, and with the Resolutions team to execute risk and resolution strategies

Come join us in our mission to change consumer finance through better data and technology, lower costs, and increased transparency while providing the best customer experience.

What you will do

- In collaboration with Machine Learning, Credit Risk, Growth Analytics and Finance teams, develop and continually refine initiatives to improve the performance of the backbook

- Perform rigorous quantitative analysis to monitor the efficiency of launched initiatives, including measuring impact to the company’s profitability; draft analytical experiment plans to be used for A/B testing of new initiatives in the repayments space.

- Own end-to-end risk analytical workflow to support data-driven decisions and customer impact initiatives for repayments and collections.

- Support and enhance repayments efforts through technical analysis; this includes reviewing and revising KPIs that track the performance of ongoing efforts, developing and maintaining forecasting models, designing experiments for A/B testing of various initiatives, and working cross-functionally to formulate strategy

- Solve interesting credit and user segmentation challenges with alternative data and advanced analytics.

- Enhance backbook and repayments tracking & strategy for Affirm’s growing international presence; set up and monitor KPIs and devise strategies for different markets based on analytical insights

What we look for

- Passion to redefine the lending and financial industry for the better

- 3-5 years of work experience in risk analytics and/or modeling role within Fintech/Banking

- Proficient in SQL, experience with Python and data visualization tools

- Proven understanding of risk fundamentals (experience with both consumer and business risk management practices, an understanding of industry risk trends)

- Ability to communicate findings and recommendations clearly to both technical and non-technical audiences

- Experience in statistical modeling in a professional setting preferred

- Bachelor’s or graduate degree in a quantitatively rigorous subject area like engineering, statistics, math, finance, economics, computer science

- Intelligence + Humility. Hubris is the fastest way to blow up a business!

Pay Grade - CAN29

Employees new to Affirm or promoted into a new role, typically begin in the min to mid range.
CAN base pay range per year:
Min: $105,300
Mid: $131,600

Max: $157,900

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.

By clicking "Submit Application," you acknowledge that you have read the Affirm Employment Privacy Policy for applicants within the United States, the EU Employee Notice Regarding Use of Personal Data (Poland) for applicants applying from Poland, the EU Employee Notice Regarding Use of Personal Data (Spain) for applicants applying from Spain, or the Affirm U.K. Limited Employee Notice Regarding Use of Personal Data for applicants applying from the United Kingdom, and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.