Analytics Lead, Deposit Fraud Risk (Fintech)

Location: Remote within the United States

Base pay: $185,000–$245,000 for CA, WA, NY, NJ, and CT; $164,000–$224,000 for all other U.S. states.

Company

Affirm provides transparent consumer financing and payment products through technology-focused financial services.

What you will do

• Own fraud performance for depository products, monitoring fraud losses, approval and decline rates, false positives, customer friction, and operational efficiency.
• Build scalable data models and transformation pipelines for product, transaction, customer, fraud, and operational data using tools such as dbt.
• Define trusted fraud metrics and analytical datasets, and develop dashboards, scorecards, and monitoring frameworks.
• Conduct deep-dive analyses into fraud losses, control gaps, portfolio shifts, and unexpected performance changes.
• Develop and optimize fraud rules, policies, thresholds, models, and decision strategies.
• Lead testing of fraud strategy changes and partner with Product, Engineering, Machine Learning, Data Engineering, Fraud Operations, and Risk.

Requirements

• 7+ years of analytics experience.
• Fluent SQL and Python skills.
• Working knowledge of payment processing, industry risk trends, and fraud strategy development.
• Ability to communicate findings and recommendations to technical and non-technical audiences.
• Strong cross-functional collaboration, influence, time management, and prioritization skills.
• Ability to remain responsive during periods of peak fraud activity.

Culture & Benefits

• Remote-first work environment with flexibility within the country of employment.
• Some roles may occasionally require in-person work, and all new hires attend an in-person onboarding experience.
• 100% subsidized medical coverage for employees and dependents, plus dental and vision coverage.
• Monthly health, wellness, and technology spending stipends.
• Flexible time off, generous holiday calendars, and an employee stock purchase plan.
• Visa sponsorship is not available for this position.