Financial Model Risk Management Lead

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 Enterprise Risk & Internal Audit

The Enterprise Risk & Internal Audit department protects Affirm’s operations and long-term success. We identify, assess, and monitor risk across the business. Our work includes internal audits, regulatory assurance, fraud prevention, and crisis planning. The team maintains strong controls, tracks key risk indicators, and ensures readiness for external reviews. We uphold accountability, transparency, and resilience to support responsible growth.

About the Team

We're looking for an intelligent, driven professional to join our Model Risk Management (MRM) team as a Lead validator for Finance and Analytics models. MRM serves as Affirm's second line of defense, establishing and overseeing an effective model risk management framework to identify, quantify, monitor, mitigate, and report on model risk throughout the company.

What You'll Do

Perform independent challenges of financial and analytics quantitative models — including ALM, allowance/loss forecasting, loan transition models (LTM), corporate financial planning models, take-up and engagement models, and related decision-support analytics — through rigorous validation and ongoing monitoring

Lead end-to-end validation engagements on high-complexity, high-criticality models

Identify model weaknesses, limitations, and opportunities for improvement; articulate findings clearly to technical and non-technical stakeholders

Collaborate with model owners and stakeholders across Finance, Quantitative Research, and Growth Analytics to remediate validation findings and strengthen model governance

Partner cross-functionally to implement and maintain the company's MRM framework

Partner with Internal Audit, Internal Controls, Accounting, and Compliance to ensure timely resolution of audit, regulatory, and examiner