[Remote] Analyst I, Full Stack

Note: The job is a remote job and is open to candidates in USA. Affirm is a company focused on reinventing credit to provide a more transparent and friendly experience for consumers. The Analyst I, Full Stack role involves performing advanced data analysis, developing credit strategies, and collaborating with teams to enhance underwriting models and risk management capabilities.


Responsibilities

  • Perform advanced data analysis to derive critical insights and develop credit strategies
  • Utilize data modeling techniques to manage the profitability and resilience of Affirm by assessing and managing risk through analysis and development of portfolio models by using statistics to quantify risk
  • Collaborate with Data Science and Engineering teams to build our new underwriting models and risk management capabilities for Affirm’s consumer finance platform
  • Explore business data by using statistical and data modeling to develop robust lifetime valuation infrastructure and capabilities
  • Collaborate with the Merchant Pricing team to value different merchants and use advanced data analytics to derive insights and optimize credit strategies
  • Develop credit policies for new initiatives and products
  • Develop effective risk management strategies and capabilities by analyzing business data sets and using Structured Query Language (SQL) to perform ongoing data testing and experimentation
  • Monitor portfolio as well as macroeconomic trends impacting loan performance; and
  • Improve end-to-end product analytics workflows using quantitative techniques including linear and logistic regression, classification, clustering and other data modeling and mining methods to deeply understand and analyze data that will improve underwriting solutions

Skills

  • Master's degree (or foreign equivalent) in Business Analytics, Financial Engineering or related field & one 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

Company Overview

  • Affirm is a financial technology services company that offers installment loans to consumers at the point of sale. It was founded in 2012, and is headquartered in San Francisco, California, USA, with a workforce of 1001-5000 employees. Its website is https://www.affirm.com.

    • Company H1B Sponsorship

  • Affirm has a track record of offering H1B sponsorships, with 89 in 2025, 96 in 2024, 133 in 2023, 179 in 2022, 132 in 2021, 57 in 2020. Please note that this does not guarantee sponsorship for this specific role.

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