Analyst II, Full Stack

About this role

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.

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!

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 a diverse array of challenges from optimizing checkout conversion and mitigating fraud risk, to 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 taking ownership of 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.

Our Teams (Where You Might Sit): Candidates hired into the R&A organization will be sorted into a core team based on business need and background. Our primary domains include:

• 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 the quantitative research, performance monitoring, and scalable data foundations that enable fast, economically sound decisions.

• Servicing: Enhance the post-origination customer experience by analyzing repayment behavior, collections strategies, and operational efficiency.

• International Expansion: Build the measurement and decision foundations needed to sustainably launch and scale Affirm in new global markets.

About the Role

As a Senior Analyst (L5), you will operate with autonomy to own the entire analytical lifecycle—from initial question to final business decision. You bring exceptional analytical rigor, deep domain expertise, and the ability to translate complex regulatory, economic, and machine learning insights into actionable business strategies. You thrive in ambiguity, balance growth with resilience, and are comfortable operating at both strategic and execution levels to influence stakeholders across technical and non-technical teams.

What You Will Do

• Optimize End-to-End Strategy: Leverage advanced data analytics to independently derive insights, develop, and optimize business, risk, or growth strategies across products and geographies.

• Manage Macro & Market Trends: Monitor portfolio performance and exogenous macroeconomic trends; proactively adjust analytical and operational strategies to mitigate risk and balance growth.

• Model & Capability Building: Partner deeply with Engineering and ML teams to design, build, and interpret performance metrics for scalable risk, fraud, or growth models.

• Cross-Functional Leadership: Collaborate closely with Product, Legal, and Compliance teams to interpret evolving regulatory and market requirements, translating them directly into analytical policy and product design recommendations.

• Oversee Frameworks & Launches: Oversee the development and execution of analytical frameworks. Drive cross-functional discussions to ensure new product launches and market entries align with risk appetite, operational capabilities, and local regulations.

• External & Strategic Alignment: Engage with external stakeholders including merchants, vendors, and partners to align practices, ensure compliance, and strengthen strategic relationships.

• AI Leverage & Mentorship: Build repeatable AI-assisted workflows that compound across the team's analyses, while mentoring junior analysts on technical craft and domain nuances.

What We Look For

• 2–5 years of proven experience in an analytically-driven role within the consumer lending, credit, or fintech industry, specifically leveraging advanced analytics to develop and optimize business strategies.

• Degree in Data Science, Computer Science, Engineering, Economics, or a related quantitative field.

• Advanced proficiency in SQL, Python, or other scripting languages.

• Deep expertise in data mining, data visualization, and statistical modeling, with experience applying machine learning techniques to business or risk management problems.

• Proven experience leading cross-functional initiatives that bridge Product, Legal, Compliance, and Engineering to align analytical strategies with business objectives.

• Strong understanding of consumer lending regulations, regional market dynamics, and the broader economic landscape influencing policy and growth.

• Demonstrated ability to translate complex regulatory and economic insights into actionable strategies.

• Exceptional communication skills with the ability to influence senior stakeholders across technical and non-technical functions.

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 monthly stipends for health, wellness and tech spending, and b

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