Analyst II, Full Stack

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October 17

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Affirm

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Fintech • B2C • eCommerce

Affirm is a financial technology company that offers a 'Buy Now, Pay Later' service, allowing consumers to make purchases and pay for them over time with flexible payment plans. Affirm eliminates hidden fees and compound interest, providing clear terms and conditions for its users. The company also offers the Affirm Card, a debit card that allows users to request to pay over time for larger purchases or pay in full for smaller ones. Affirm partners with various retailers across multiple categories, including electronics, apparel, and travel, providing customers with the convenience of paying over time at checkout both online and in physical stores. Affirm's services are integrated with Apple Pay, enabling customers to make payments seamlessly from their iPhone or iPad.

1001 - 5000 employees

Founded 2012

💳 Fintech

👥 B2C

🛍️ eCommerce

💰 Post-IPO Equity on 2021-01

📋 Description

• Performing financial and economic data experimentation and leveraging advanced data analytics to derive critical insights; • Review capital markets, dissect complex data and translate it into actionable strategies to help optimize credit underwriting; • Determining and optimizing user limit assignments to ensure they are set optimally to balance risk and growth and drive user engagement; • Optimizing Affirm’s portfolio, managing risk and ensuring the health and profitability of credit offerings; • Designing and implementing inclusive credit strategies and economic credit models by utilizing alternative data and expanding credit to more users while managing the risk strategically; • Partnering with Machine Learning and Engineering teams to build effective credit risk capabilities; and • Collaborate with Product teams to develop new products and features, the Merchant Pricing Team to value different Merchants and the Finance team to facilitate discussions with debt and equity investors.

🎯 Requirements

• PhD degree (or foreign equivalent) in Economics, Statistics, Math or related field & 1 year of experience in the following: • Economic and accounting principles and practices, including: the financial markets, banking, and the analysis and reporting of financial data; • SQL, Python, R, Matlab, or AWS; • Looker or Tableau; • Risk modeling including both credit and market risk, assessing macroeconomic trends and financial performance, enabling evaluation of industry risk trends; • Using advanced machine learning techniques to develop quantitative models to predict probability of default with financials and macroeconomic indicators; • Data analytics, financial modeling, model validation, and risk analytics.

🏖️ Benefits

• 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