Analytics Lead, Fullstack (Fintech)

TL;DR

Analytics Lead, Fullstack (Fintech): Designing and optimizing credit strategies and scalable risk models for a BNPL platform with an accent on credit domain expertise and regulatory compliance. Focus on building credit underwriting frameworks, interpreting macroeconomic trends, and bridging the gap between technical engineering and legal requirements.

Location: Remote (Must be based in the US)

Salary: $164,000 - $245,000 per year

Company

Affirm is a fintech company reinventing credit through a "buy now, pay later" model that avoids hidden fees and compounding interest.

What you will do

• Optimize credit strategies and derive insights using advanced data analytics across various products and geographies.
• Design and build scalable risk models and credit risk capabilities in partnership with Engineering.
• Monitor portfolio performance and macroeconomic trends to proactively adjust underwriting and marketing strategies.
• Translate evolving regulatory and market requirements into actionable credit policy and product design recommendations.
• Oversee the development of credit underwriting frameworks that balance growth, compliance, and risk mitigation.
• Coordinate with external stakeholders, including merchants and regulatory bodies, to align risk practices and ensure compliance.

Requirements

• Degree in Data Science, Computer Science, Engineering, Economics, or a related field.
• 4+ years of experience in senior-level analytical roles.
• Must be based in the United States.
• Experience setting credit strategy for new products and high-line unsecured lending, specifically in the home improvement vertical.
• Proficiency in SQL, Python, data mining, data visualization, and statistical modeling.
• Experience applying machine learning techniques to credit risk management.

Culture & Benefits

• 100% subsidized medical, dental, and vision coverage for employees and their dependents.
• Generous Flexible Spending Wallets for technology, food, lifestyle, and family forming expenses.
• Competitive vacation and holiday schedules to ensure work-life balance.
• Employee Stock Purchase Plan (ESPP) allowing for the purchase of company shares at a discount.
• Remote-first culture with flexibility to work from anywhere within the country of employment.