Analyst I – Risk & Analytics

About Affirm

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.

About the Risk & Analytics Team

The Risk & Analytics (R&A) team makes crucial decisions that direct Affirm's business strategy. We partner with Machine Learning, Product, Engineering, Capital Markets, and Commercial teams to grow Affirm responsibly by optimizing approval, conversion, losses, and profitability.

Operating across the entire customer and merchant lifecycle, we tackle diverse challenges: optimizing checkout conversion, mitigating fraud risk, building scalable data foundations, and enabling international growth. We analyze performance not just to report on it, but to determine where to invest resources for maximum impact through building tools, scalable data infrastructure, and analytical frameworks.

We improve the analytics experience across Affirm by streamlining workflows and fostering a culture of learning and documentation. By owning the entire analytical lifecycle—from initial question to final business decision—we turn complex data and systems into clear, actionable signals that ensure Affirm grows efficiently and intelligently.

One Role, Multiple Teams

We are hiring multiple Analyst I roles across Affirm's Risk & Analytics organization. Rather than interviewing for one specific team, candidates go through a shared interview process designed to assess core skills we look for across R&A.

If selected, we will work with you to determine the best team match based on your interests, experience, strengths, and current business needs.

Potential Team Placements

• Point of Sale (POS): Optimize merchant and checkout performance to improve conversion, approvals, and unit economics across the purchase funnel.
• Direct to Consumer (DTC) / Card: Drive engagement, repeat usage, and lifecycle health across Affirm's app, web, and card experiences.
• Fraud: Prevent and reduce fraud losses across the customer journey while maintaining a frictionless user experience.
• Core Analytics: Build quantitative research, machine learning models, performance monitoring, and scalable data foundations enabling fast, economically sound decisions.
• Servicing: Enhance post-origination customer experience by analyzing repayment behavior, collections strategies, and operational efficiency.
• International Expansion: Build measurement and decision foundations needed to sustainably launch and scale Affirm in new global markets.