Analyst II, Expansion Credit

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

Job summary

A leading company is searching for an Analyst II, Expansion Credit to join their team in Toronto. The role focuses on leveraging data analytics to develop innovative credit strategies, manage cross-functional collaborations, and utilize machine learning insights to foster sustainable growth in the credit sector. Candidates should have experience in data analysis, particularly within consumer credit risk management, and be ready to contribute to transforming consumer finance through transparency and technology.

Benefits

Health care coverage

Flexible Spending Wallets

Time off

Employee stock purchase plan

Qualifications

• 2-4 years of work experience as a data analyst or data scientist preferred.
• Extensive experience with SQL and Python.
• Curious and passionate to learn.

Responsibilities

• Leverage data analytics to derive insights and optimize credit underwriting.
• Partner with cross-functional teams to manage credit risk.
• Design inclusive credit strategies to expand user access.

Skills

Data analytics

SQL

Python

Collaboration

Analytical thinking

Job description

Join to apply for the Analyst II, Expansion Credit role at Affirm

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Join to apply for the Analyst II, Expansion Credit role at 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.

The Credit team works cross-functionally with Machine Learning, Product, Engineering, Capital Markets, and Commercial teams to responsibly manage the risk profile of the business. We’re looking for a thoughtful, 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, thinking through credit strategies for new initiatives and products, shaping ongoing testing and experimentation, and being ready for navigating through any exogenous changes will be important problems to tackle.

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 Machine Learning and Engineering team to develop new underwriting models, 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

• Leverage experimentation and advanced data analytics to derive insights. Dissect complex data and translate it into actionable strategies to help optimize credit underwriting
• Determine and optimize user limit assignments, ensuring they are set optimally to balance risk and growth, driving healthy user engagement
• Play a pivotal role in optimizing the portfolio, managing risk and ensuring the health and profitability of credit offerings
• Design and implement inclusive credit strategies by leveraging alternative data, expanding credit to more users while managing the risk strategically
• Partner with Machine Learning and Engineering teams on building effective credit risk capabilities
  
  

What We Look For

• 2-4 years of work experience as a data analyst/data scientist (consumer credit risk management strongly preferred but not required)
• Curious and passionate to learn new things and think outside the box
• Extensive experience with SQL and Python, or other scripting languages. Experience with Spark is a plus
• Ability to collaborate and influence across different teams in the organization
  
  

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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