Analytics Manager, Credit Risk

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.

The Risk & Analytics team makes crucial decisions that direct Affirm’s business strategy. Our team designs and runs experiments to decide which product features to launch and which marketing campaigns to fund. We analyze performance not just to report on it, but to determine where to invest resources for maximum impact through building tools and analytical frameworks. We take ownership of the entire analytical lifecycle, from initial question to final business decision, ensuring Affirm grows efficiently and intelligently.

The Credit team works cross-functionally with Machine Learning, Fraud, Product, Engineering, Capital Markets, and Commercial teams to responsibly manage the risk profile of the business. We’re looking for an intelligent, driven individual who wants to learn, grow, and solve hard problems.

The team’s mandate is to enable sustainable growth while closely managing the profitability and resilience of our portfolio. As Affirm continues on an exciting growth trajectory, designing credit strategies for new initiatives and products, partnering with the Machine Learning team to continuously enhance our underwriting framework, and being ready to navigate through any exogenous changes will be important problems to tackle.

This role requires a lot of cross-functional partnership, with extensive use of data analytics to derive insights and develop credit strategies. Come join us in our mission to change consumer finance through better data and technology, lower costs, and increased transparency while providing the best customer experience!

What you'll do

Partner with cross-functional teams and be the Credit POC that manages the end-to-end credit strategy for the Shopify portfolio

Leverage alternative data and further optimize our credit strategy in limit assignment and purchasing pow