Analytics Lead, Full Stack

Job not on LinkedIn

🕒 May 26

🏄 California, Connecticut, +3 more states – Remote

🏄 California – Remote 🦌 Connecticut – Remote 🏖️ New Jersey – Remote 🗽 New York – Remote ☕ Washington – Remote

💵 $160k - $230k / year

⏰ Full Time

🟠 Senior

📊 Data Scientist

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Affirm

WebsiteLinkedInAll Job Openings

1001 - 5000 employees

Founded 2012

💳 Fintech

👥 B2C

🛍️ eCommerce

💰 Post-IPO Equity on 2021-01

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.

📋 Description

• 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 that impact loan outcomes; proactively adjust underwriting and marketing strategies to mitigate risk. • Collaborate closely with Product, Legal, and Compliance teams to interpret evolving regulatory and market requirements across jurisdictions, and translate them into credit policy, underwriting, and product design recommendations. • Engage and coordinate with external stakeholders — including merchants, vendors, and regulatory bodies — to align credit risk practices, ensure compliance, and strengthen strategic partnerships. • Oversee the development and execution of credit underwriting frameworks that balance growth, compliance, and risk mitigation goals. • Drive cross-functional discussions to ensure new product launches and market entries are aligned with risk appetite, operational capabilities, and local regulations.

🎯 Requirements

• Degree in Data Science, Computer Science, Engineering, Economics, or a related field, and 4+ years of experience (or equivalent senior-level experience) • Experience setting credit strategy for de novo products using Sandbox data, retrospective studies or archives • Experience in high-line unsecured lending, especially in the home improvement vertical • SQL, Python, or other scripting languages • Data mining, data visualisation, and statistical modeling • Applying machine learning techniques to credit risk management • Leveraging advanced analytics to develop and optimise credit strategies • Monitoring and interpreting model performance metrics across portfolios • Proven experience leading cross-functional initiatives that bridge Product, Legal, Compliance, and Engineering to align credit strategies with regulatory frameworks and business objectives. • Deep understanding of consumer lending regulations, fair lending principles, and regional market dynamics influencing credit policy and underwriting. • Ability to translate complex regulatory and economic insights into actionable credit and product strategies. • Demonstrated success mentoring high-performing analytical teams and driving data-informed decision-making at scale. • Exceptional communication skills with the ability to influence senior stakeholders across technical and non-technical functions.

🏖️ 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