Analyst II, Fullstack (Fintech)

TL;DR

Analyst II, Fullstack (Credit Analytics): Designing and optimizing credit strategies and risk models to enable sustainable growth and portfolio resilience with an accent on data-driven underwriting and regulatory compliance. Focus on bridging technical execution with strategic business decisions to manage credit risk across various products and geographies.

Location: Remote (Must be based in the US)

Salary: $128,000 - $205,000

Company

Affirm is a fintech company reinventing credit to make it more honest and friendly through a buy now and pay later model without hidden fees.

What you will do

• Leverage advanced data analytics to derive insights and optimize credit strategies across products and geographies.
• Partner with Engineering to design and build scalable risk models and credit risk capabilities.
• Monitor portfolio performance and macroeconomic trends to proactively adjust underwriting and marketing strategies.
• Collaborate with Product, Legal, and Compliance teams to translate regulatory requirements into credit policy and product design.
• Engage with external stakeholders, including merchants and regulatory bodies, to align risk practices and ensure compliance.
• Oversee the development of credit underwriting frameworks that balance growth with risk mitigation goals.

Requirements

• Degree in Data Science, Computer Science, Engineering, Economics, or a related field.
• 2+ years of experience in credit analytics or a similar role.
• Proficiency in SQL, Python, or other scripting languages.
• Experience in data mining, data visualization, and statistical modeling.
• Ability to apply machine learning techniques to credit risk management.
• Must be based in the United States.

Culture & Benefits

• Remote-first work environment with flexibility to work almost anywhere within the US.
• 100% subsidized medical, dental, and vision coverage for employees and dependents.
• Generous flexible spending wallets for technology, food, and lifestyle needs.
• Competitive vacation and holiday schedules.
• Employee Stock Purchase Plan (ESPP) for buying company shares at a discount.