Analyst II, Credit

Affirm; United Kingdom; Remote; GBP 66,000 - 76,000; Full time

Benefits offered by this job

Health coverage

Tech stipends

Flexible time off

Employee stock purchase plan

Job summary

Affirm seeks a Merchant Risk Analyst to assess credit, fraud and identity risk for merchants, with cross-functional coordination on non-financial risk such as brand and compliance.

Ideal candidates have 3+ years in merchant risk, experience reviewing business credit reports, and a proven ownership mindset. This UK remote role offers a competitive base salary and a comprehensive benefits package.

Qualifications

• 3+ years of experience in assessing merchant risk (risk management, fraud, underwriting).
• Experience working with cross functional partners across Sales and Business Development.

Responsibilities

• Assess brand, compliance, fraud and financial risk and determine credit exposure risk on new and existing merchants.
• Use business credit reports, financial documents and third party data to conduct risk assessment of Affirms merchants.
• Investigate and use new sources of third party data to assess merchant financial risk.
• Conduct ongoing monitoring of credit, fraud, and dispute/chargeback trends by merchants.
• Provide guidance towards automation/improvements of merchant risk evaluation.

Skills

Merchant risk assessment

Cross-functional collaboration

Financial documents review

Ownership mindset

Job description

At Aff… 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.

As a Merchant Risk Analyst, you will assess financial risk related to credit, fraud and identity associated with the merchants. You will also coordinate with cross-functional partners to assess non-financial risk – brand, reputational, legal and compliance risk.

The ideal candidate will have knowledge or experience in e-commerce underwriting and/or commercial lending. They will also have a solid understanding of evaluating merchant financial risk based on 3rd party data, credit reports, and other merchant attributes. Prior work experience in payments, lending, banking or financial institutions is a plus!

What You’ll Do

• Assess brand, compliance, fraud and financial risk and determine credit exposure risk on new and existing merchants
• Use business credit reports, financial documents, investigative research tools, and financial market data to conduct risk assessment of Affirms merchants
• Investigate and use new sources of third party data to assess merchant financial risk
• Conduct ongoing monitoring of credit, fraud, and dispute/chargeback trends by merchants
• Business Improvement In Execution: Leverage your knowledge to provide guidance towards the automation/improvements of merchant risk evaluation

What We Look For

• 3+ years of experience in assessing merchant risk in a function such as Merchant/Seller Risk Management, Fraud, Collections, or Merchant Underwriting
• Experience working with cross functional partners across the organization, especially Sales and Business Development teams
• Experience reviewing financial documents, business credit reports and payment processor statements
• Ownership mentality: Demonstrate an appropriate sense of accountability, ownership, urgency and execution

Compensation & Benefits

Base Pay Grade - G

Equity Grade - 3

Employees new to Affirms 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% subsidised medical coverage, dental and vision for you and your dependents).

Base pay range per year: £66,000 - £76,000

Location: UK Remote

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 Affirms 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 Affirms 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: Affirms considers qualified applicants with arrest and conviction records, as required by law.