Analyst II, Credit Risk - Wallets and Partnerships

Affirm; Ottawa; Remote; CAD 109,000 - 159,000; Full time

Job summary

A fintech company in Canada is hiring an Analyst II, Credit Risk - Wallets and Partnerships to enhance risk management strategies and analytics. This role demands 2-4 years’ experience, a strong analytical background, proficiency in SQL and Python, with a focus on collaboration across teams. Competitive compensation includes a base pay range of CAD 109,000 - 159,000 and comprehensive benefits, fostering a people-first culture.

Benefits

Health care coverage

Flexible Spending Wallets

Competitive vacation and holiday schedules

Employee stock purchase plan

Qualifications

• 2-4 years of work experience as a data analyst or scientist, preferably in consumer credit risk management.
• Curiosity to learn about data, models, and algorithms.
• Ability to communicate findings and recommendations clearly to both technical and non-technical audiences.

Responsibilities

• Partner with Data Science and Engineering on building risk analytics capabilities.
• Develop robust lifetime valuation infrastructure and capabilities.
• Monitor portfolio as well as macroeconomic trends impacting loan performance.

Skills

SQL

Python

Data analysis

Critical thinking

Collaboration

Education

Undergraduate degree in relevant field

Job description

Analyst II, Credit Risk - Wallets and Partnerships

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Analyst II, Credit Risk - Wallets and Partnerships

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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 team's core mission is to foster sustainable growth for our platform wallet partnerships, including Apple Pay, Google Pay, and Shop Pay. This involves a crucial balance of managing portfolio profitability and resilience. As Affirm experiences significant growth, key challenges ahead include developing credit policies for new initiatives and products, creating effective risk management strategies and capabilities, shaping ongoing testing and experimentation, and preparing to navigate unforeseen external changes.

This role requires extensive use of data analytics to derive insights and develop credit strategies. It also requires a lot of cross-functional partnership, working with the Data Science and Engineering team to develop new underwriting models and risk management capabilities, with the Product teams to develop new products and features, with the Merchant Pricing team to value different merchants, with the Finance team to help facilitate discussions with debt and equity investors are some parts of the role.

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 Data Science and Engineering on building risk analytics capabilities
• Develop robust life-time valuation infrastructure and capabilities
• Use advanced data analytics and critical thinking to derive insights and optimize credit strategies
• Own risk initiatives within new product formation and new market exploration
• Monitor portfolio as well as macroeconomic trends impacting loan performance. Drive adjustments to our underwriting and marketing strategies to mitigate risk

What We Look For

Passion and drive to change banking, payments and online marketing for the better

2-4 of years work experience as a data analyst / scientist (consumer credit risk management strongly preferred)

Undergraduate degree in relevant field

Curiosity to learn about data, models and algorithms

Extensive experience with SQL, Python, or other scripting languages

Ability to collaborate and influence across different teams in the organization

Ability to communicate findings and recommendations clearly to both technical and non-technical audiences

A passion for finding insights in data and driving change based on those insights

Intelligence + Humility. Hubris is the fastest way to blow up a business!

Base Pay Grade - K

Equity Grade - 4

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.)

CAN base pay range per year : $109,000-159,000

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.

Benefits

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.

For U.S. positions that could be performed in Los Angeles or San Francisco] 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.

By clicking "Submit Application," you acknowledge that you have read Affirm's Global Candidate Privacy Notice and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.

Seniority level

Seniority level

Associate

Employment type

Employment type

Full-time

Job function

Job function

Finance and Sales

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Analyst II, Credit Risk- Portfolio Monitoring and Direct to Consumer

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