Quantitative Analyst II (Capital Structuring & Analytics)

Affirm; San Juan de Terranova; On-site; CAD 117,000 - 167,000; Full time

Benefits offered by this job

Health care coverage

Flexible Spending Wallets

Time off

ESPP

Job summary

Affirm is a remote-first company that is reinventing credit to be more honest and friendly. The Capital team manages funding, liquidity, and risk across capital markets, treasury, deal structuring, analytics, and bank partnerships.

We’re seeking a smart, driven Quantitative Markets professional to structure and price debt funding deals and build models for loan performance. The role involves cross-functional collaboration with Capital Markets, Treasury, Credit, Product, and Engineering to

Qualifications

• 2+ years of relevant experience structuring asset-backed transactions, forecasting consumer loan performance, and/or building quantitative models.
• Experience with industry-standard tools such as Intex/Bloomberg and working with accountants, rating agencies, and internal/external partners.
• Experience with SQL, Python, or other scripting languages.
• Strong interpersonal and communication skills, and ability to collaborate and influence across different teams in the organization.
• A proactive leader that can seek out new opportunities, drive projects, navigate ambiguity and develop creative solutions with minimal guidance.
• Desire to understand the broader context of business decisions.

Responsibilities

• Work closely with the Capital Markets team to evaluate, structure and price consumer asset-backed transactions
• Develop and enhance capital structuring and pricing models tailored to affirm’s consumer loan portfolio to enable efficient deal execution
• Build quantitative models to analyze and predict the performance of affirm’s consumer loans
• Provide insights on capital markets deals to cross-functional teams for more optimal and efficient funding strategy and merchant pricing
• Partner cross-functionally with our Capital Markets, Treasury, Merchant Pricing, Credit, Commercial, Product and Engineering teams to evaluate funding, product, and business decisions

Skills

Asset-backed transactions

Quantitative models

Forecasting

SQL

Python

Interpersonal skills

Leadership

Business context understanding

Tools

Intex

Bloomberg

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.

About The Capital Team

The Capital team manages the financial foundation that supports affirm’s lending and innovation. We lead the funding, liquidity, and risk management strategy across capital markets, treasury, deal structuring, analytics, and bank partnerships. The team secures efficient funding while supporting sustainable business growth. We balance cost, flexibility, and risk to ensure affirm’s financial resilience through all economic cycles. By optimizing capital structure and managing liquidity, we help build a scalable and resilient financial platform.

We’re looking for a smart, driven individual to join our Quantitative Markets team. The team is responsible for structuring and pricing affirm’s debt funding deals, developing platforms and tools for optimizing funding strategies, and building models to analyze and predict the performance of affirm’s consumer loans. The ideal candidate will have experience in structuring asset-backed transactions, working with rating agencies, and building quantitative models. Given the cross-functional nature of the role, the ideal candidate should have strong interpersonal and communication skills.

What You’ll Do

• Work closely with the Capital Markets team to evaluate, structure and price consumer asset-backed transactions
• Develop and enhance capital structuring and pricing models tailored to affirm’s consumer loan portfolio to enable efficient deal execution
• Build quantitative models to analyze and predict the performance of affirm’s consumer loans
• Provide insights on capital markets deals to cross-functional teams for more optimal and efficient funding strategy and merchant pricing
• Partner cross-functionally with our Capital Markets, Treasury, Merchant Pricing, Credit, Commercial, Product and Engineering teams to evaluate funding, product, and business decisions

What We Look For

• 2+ years of relevant experience structuring asset-backed transactions, forecasting consumer loan performance, and/or building quantitative models
• Experience with industry-standard tools such as Intex/Bloomberg and working with accountants, rating agencies, and internal/external partners
• Experience with SQL, Python, or other scripting languages
• Strong interpersonal and communication skills, and ability to collaborate and influence across different teams in the organization
• A proactive leader that can seek out new opportunities, drive projects, navigate ambiguity and develop creative solutions with minimal guidance
• Desire to understand the broader context of business decisions

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 monthly stipends for health, wellness and tech spending, and benefits (including 100% subsidized medical coverage, dental and vision for you and your dependents). In addition, the employees may be eligible for equity rewards offered by affirm holdings, inc. (parent company).

CAN base pay range per year: $117,000 - $167,000

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.