Analyst II

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

Job summary

A leading credit technology company is seeking a data analyst to optimize credit underwriting through advanced data analytics. This role involves collaborating with Machine Learning and Engineering teams and requires at least 2 years of relevant experience. Candidates should have extensive knowledge in SQL and Python, and a passion for data-driven insights. The position offers competitive pay ranging from $109,000 to $159,000, as well as remote flexibility within Canada. Join us to help redefine consumer finance.

Benefits

Health care coverage

Flexible Spending Wallets

Competitive vacation and holiday schedules

Employee stock purchase plan

Qualifications

• 2+ years of work experience as a data analyst or data scientist, preferably in consumer credit risk management.
• Ability to communicate findings clearly to technical and non-technical audiences.
• Passion for finding insights in data and driving changes based on those insights.

Responsibilities

• Leverage experimentation and advanced data analytics to derive insights and optimize credit underwriting.
• Support the launch of new products by designing and implementing credit strategies.
• Partner with Machine Learning and Engineering teams on building effective credit risk capabilities.

Skills

SQL

Python

Data analysis

Machine Learning

Collaboration

Communication

Education

Bachelor's degree in a related field

Tools

Spark

Job description

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 purchasing power, ensuring they are set optimally to balance risk and growth, driving healthy user engagement
• Play a pivotal role in underwriting cost saving, managing risk and improving the profitability
• Support the launch of new products by designing and implementing credit strategies
• Partner with Machine Learning and Engineering teams on building effective credit risk capabilities

What We Look For

• 2+ 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
• Experience/knowledge with Machine Learning is a plus
• 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 changes based on those insights
• Intelligence + Humility. Hubris is the fastest way to blow up a business!
• Grit. Lots of grit. You’ll wear 7 hats and not love all of them
• This position requires either equivalent practical experience or a Bachelor’s degree in a related field

Pay Grade - K

Equity Grade - 4

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

• 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.

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