Senior Analyst

Affirm, Inc.; Winnipeg; A distancia; CAD 157.000 - 241.000; Jornada completa

Ventajas ofrecidas por este puesto de trabajo

Health coverage for you and dependents

Monthly stipends for tech setup and a健

Flexible time off and holidays

Employee stock purchase plan

Descripción de la vacante

Affirm, Inc. is hiring Senior Analysts for its Risk & Analytics team to tackle end-to-end analytical problems across the customer and merchant lifecycle.

You will own the analytical lifecycle from question to decision, influencing product, risk, and growth strategies with autonomy. Positions place you on multiple teams (POS, DTC/Card, Fraud, Core Analytics, Servicing, International Expansion) with a remote-first approach and opportunities to mentor others.

Formación

• 2–5 years of analytically driven experience in consumer lending, credit, or fintech.
• Degree in data science, computer science, engineering, economics, or related quantitative field.
• Advanced proficiency in sql, python, or other scripting languages.
• Data mining, data visualization, and statistical modeling with ML experience.
• Experience leading cross-functional initiatives bridging product, legal, compliance, and engineering.

Responsabilidades

• Optimize End-to-End Strategy by deriving insights and optimizing business, risk, or growth strategies across products and geographies.
• Monitor macro and market trends, adjust analytical and operational strategies to mitigate risk and balance growth.
• Model and build capabilities with engineering and ML teams to design metrics for risk, fraud, or growth models.
• Collaborate with product, legal, and compliance teams to interpret regulatory and market requirements and translate into analytics and product design.
• Oversee development and execution of analytical frameworks and coordinate launches and market entries with risk appetite and regulatory alignment.
• Engage external stakeholders to align practices, ensure compliance, and strengthen relationships.
• Mentor junior analysts and build AI-assisted workflows to scale analyses.

Conocimientos

SQL

Python

Data mining

Data visualization

Machine learning

Cross-functional leadership

Regulatory knowledge

Communication

Strategic thinking

Educación

Data science / CS / engineering / economics degree

Herramientas

SQL

Descripción del empleo

At affirm, we exist for the moments that matter—giving people a clear, predictable way to pay over time, with no hidden fees, no surprises, and no tradeoffs on what matters most.

About The Risk & Analytics Team

The Risk & Analytics (R&A) team makes crucial decisions that direct affirm’s business strategy.

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.

One Role, Multiple Teams

We are hiring multiple Senior Analyst roles across affirm's risk & analytics organization through this single job posting. Rather than interviewing for one specific team, candidates will go through a shared interview process designed to assess the core skills we look for across r & a.

If selected, we will work with you to determine the best team match based on your interests, experience, strengths, and current business needs. You will have the opportunity to learn more about our teams and share your preferences as you move through the process.

Potential Team Placements 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 in affirm's risk & analytics organization, you will join one of several analytical teams working across the customer and merchant lifecycle. While the specific problems you tackle will depend on your eventual team placement, all senior analyst roles share a common foundation: owning complex analytical problems end to end, translating data into business strategy, and influencing decisions across technical and non-technical teams.

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 the organization.

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 adjusting analytical and operational strategies to mitigate risk and balance growth.
• Model & Capability Building: Partner deeply with engineering and machine learning 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 - 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: $112,000 - $172,000

This posting is for an existing vacancy.

Remote-first with flexibility built in

affirm is proud to be a remote-first company. most roles can be done from almost anywhere within the country of employment. some positions may occasionally require in-person work at an affirm office, and a few are office-based due to the nature of the work. all new hires will be invited to attend an in-person onboarding experience.

Benefits Designed For You

Our benefits reflect our commitment to care, transparency, and flexibility. here are a few highlights:

• Health coverage at no cost: we cover 100% of premiums for employees and their dependents.
• Spending stipends: monthly stipends support your tech setup, and the ability to choose health and wellness options that are right for you.
• Time off to recharge: flexible time off and generous holiday calendars help you rest when you need to.
• Own a piece of what you build: our employee stock purchase plan (espp) lets you buy affirm stock at a discount.

We’re committed to providing an inclusive interview process, including accommodations for candidates with disabilities. If you need support, we’re happy to help.

For positions based in san francisco or los angeles: affirm considers qualified applicants with arrest and conviction records, as required by law.