Analyst II, Full Stack

Affirm is reinventing credit to make it more honest and friendly, giving consumers the flexibility to buy now and pay later without any hidden fees or compounding interest.

What You'll Do

Designing and testing new pricing and credit strategies for top clients by drawing key insights from financial data;

Conduct quantitative pricing using complex mathematical and pricing modeling techniques;

Performing risk analyses on Affirm's loan portfolio;

Manage profitability of the portfolio by drawing upon methods for implementing modern portfolio theory and providing subject-matter expertise on merchant pricing policy development, new product formation and new markets exploration;

Conducting financial data analyses and identifying opportunities to improve current financial risk processes; Improve overall infrastructure by driving execution, as well as launching and leading cross-functional financial analysis initiatives;

Collaborating with cross-functional teams such as Commercial, Product, Engineering, Finance, Capital Markets, and internal risk teams to assess, define, optimize and scale pricing opportunities for different markets;

Managing external financial reporting and present to investors and stakeholders; and

Introduce ways to identify, measure, estimate and control risks in the context of risk management.

May telecommute.

What We Look For

Master’s degree or foreign equivalent and 4 years of experience.

Knowledge of economic and accounting principles and practices, the financial markets, banking, and the analysis and reporting of financial data;

SQL, Python, Excel (Macro, VBA) or other scripting languages;

Working with Business Intelligence tools such as Qlik, or Power BI;

Knowledge of the fundamentals of risk modeling including both credit and market risk, assessing macroeconomic trends and financial performance, enabling comprehensive evaluation of industry risk trends, including risk strategy development; and

Knowledge and experience in data analytics, financial modeling, model validation, risk analytics, financial budgeting and project management.

Base Pay Grade

• K

Equity Grade

• 6

Employees new to Affirm typically come in at the start of the pay range.

Affirm focuses on providing a simple and transparent pay structure which is based on a variety of factors, including location, experience and job-related skills.

Base pay is part of a total compensation package that may include equity rewards, monthly stipends for health, wellness and tech spending, and benefits (including 100% subsidized medical coverage, dental and vision for you and your dependents.)

USA base pay range (CA, WA, NY, NJ, CT) per year: $140,000 - $190,000

USA base pay range (all other U.S. states) per year: $124,000 - $174,000

Affirm is proud to be a remote-first company! The majority of our roles are remote and you can work almost anywhere within the country of employment. Affirmers in proximal roles have the flexibility to work remotely, but will occasionally be required to work out of their assigned Affirm office. A limited number of roles remain office-based due to the nature of their job responsibilities.

We’re extremely proud to offer competitive benefits that are anchored to our core value of people come first. Some key highlights of our benefits package include:

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

We believe It’s On Us to provide an inclusive interview experience for all, including people with disabilities. We are happy to provide reasonable accommodations to candidates in need of individualized support during the hiring process.

Pursuant to the San Francisco Fair Chance Ordinance and Los Angeles Fair Chance Initiative for Hiring Ordinance, Affirm will consider for employment qualified applicants with arrest and conviction records.

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