Analyst, Early Career (Full Stack) (Fintech)

Location: Hybrid, with in-person work 3 days per week in New York City or San Francisco; after the first year, remote or office-based work may be available. Most roles can be performed within the United States, with occasional in-person office work and onboarding.

Base pay: $115,000 per year in California or New York, United States.

Company

Affirm provides transparent consumer lending and payment-over-time products without hidden fees.

What you will do

• Analyze customer and merchant lifecycle data to identify insights and support product, risk, growth, and market-entry strategies.
• Monitor portfolio health, user behavior, performance metrics, macroeconomic trends, risks, and anomalies.
• Write SQL and Python for scalable reporting and partner with Engineering on machine learning and risk model deployment.
• Collaborate with Product, Legal, and Compliance on consumer lending regulations, market requirements, data models, and operational policies.
• Support product launches and international market entries in line with operational capabilities and risk appetite.
• Use AI tools such as Cursor, Claude Code, and copilots for data mining and routine work while verifying outputs.

Requirements

• Currently pursuing a Bachelor’s degree or higher and expected to complete the most recent full-time degree program by August 2027 or earlier.
• A degree in Data Science, Computer Science, Engineering, Economics, Statistics, Math, or a related quantitative field is preferred.
• Working knowledge of SQL, Python, or other scripting languages.
• Familiarity with data mining, data visualization, and foundational statistical modeling.
• Basic understanding of, or strong curiosity about, consumer lending regulations, fair lending principles, and applying machine learning to real-world business problems.
• Exceptional communication skills, humility, and effective collaboration ability.

Nice to have

• Relevant internships or prior experience in consumer lending, fintech, or broader financial services.

Culture & Benefits

• Hybrid early-career program with mentorship from a tenured Affirmer and in-person collaboration.
• Remote-first flexibility within the country of employment, subject to role requirements.
• Medical coverage fully subsidized 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.
• Inclusive interview process with accommodations available for candidates with disabilities.

Hiring process

• Candidates complete a shared interview process assessing core Risk & Analytics skills rather than interviewing for one specific team.
• Team placement is determined based on interests, experience, strengths, and current business needs, with opportunities to share team preferences during the process.