Analyst II, Full Stack

Affirm; Poland; Remote; PLN 451,000 - 692,000; Full time

Job summary

A leading financial technology company is looking for a data-driven individual to design pricing and credit strategies that enhance financial risk processes. This role requires a Master's degree and strong experience in financial data analysis, risk modeling, and familiarity with SQL and Python. A remote-first position, the company offers competitive benefits including health coverage and flexible spending stipends.

Benefits

100% subsidized medical coverage

Flexible Spending Wallets for expenses

Employee stock purchase plan

Qualifications

• 4 years of experience in related fields.
• Knowledge of financial markets and risk modeling.
• Ability to conduct financial data analyses.

Responsibilities

• Design and test new pricing and credit strategies.
• Perform risk analyses on loan portfolios.
• Collaborate with cross-functional teams on financial optimization.

Skills

Economic and accounting principles

Financial data analysis

SQL

Python

Excel (Macro, VBA)

Data analytics

Education

Master’s degree or foreign equivalent

Tools

Business Intelligence tools (Qlik, Power BI)

Job description

Overview

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.

What You'll Do

• Designing and testing new pricing and credit strategies for top clients by drawing key insights from financial data.
• Conduct quantitative pricing using complex mathematical and pricing modeling techniques.
• Perform risk analyses on Affirm's loan portfolio.
• Manage profitability of the portfolio by applying modern portfolio theory and providing subject-matter expertise on merchant pricing policy development, new product formation and new markets exploration.
• Conduct financial data analyses and identify opportunities to improve current financial risk processes; improve infrastructure by driving execution and leading cross-functional financial analysis initiatives.
• Collaborate with cross-functional teams such as Commercial, Product, Engineering, Finance, Capital Markets, and internal risk teams to assess, define, optimize and scale pricing opportunities for different markets.
• Manage external financial reporting and present to investors and stakeholders.
• Introduce ways to identify, measure, estimate and control risks in the context of risk management.

May telecommute.

What We Look For

• Master’s degree or foreign equivalent and 4 years of experience.
• Knowledge of economic and accounting principles and practices, the financial markets, banking, and the analysis and reporting of financial data.
• SQL, Python, Excel (Macro, VBA) or other scripting languages.
• Working with Business Intelligence tools such as Qlik or Power BI.
• Knowledge of the fundamentals of risk modeling including both credit and market risk, assessing macroeconomic trends and financial performance, enabling evaluation of industry risk trends and risk strategy development.
• Knowledge and experience in data analytics, financial modeling, model validation, risk analytics, financial budgeting and project management.

Base Pay Grade - K; Equity Grade - 6

Employees new to Affirm typically come in at the start of the pay range. Affirm focuses on a simple and transparent pay structure based on location, experience and job-related skills. Base pay is part of total compensation that may include equity rewards, stipends for health, wellness and tech spending, and benefits (including 100% subsidized medical coverage, dental and vision for you and your dependents).

USA base pay range (CA, WA, NY, NJ, CT) per year: $140,000 - $190,000. USA base pay range (all other U.S. states) per year: $124,000 - $174,000.

Benefits

• Health care coverage – Affirm covers all premiums for all levels of coverage for you and your dependents.
• Flexible Spending Wallets – stipends for spending on Technology, Food, Lifestyle needs, and family forming expenses.
• Time off – competitive vacation and holiday schedules.
• ESPP – Employee stock purchase plan enabling you to buy shares at a discount.

Affirm is remote-first. The majority of roles are remote; some roles may require working from an Affirm office occasionally. A limited number of roles remain office-based due to job responsibilities.

We are committed to an inclusive interview experience and provide reasonable accommodations during the hiring process where needed.

Affirm will consider qualified applicants with arrest and conviction records for U.S. positions where permitted by law.

By clicking "Submit Application," you acknowledge reading Affirm's Global Candidate Privacy Notice and consent to the collection, processing, use, and storage of your personal information as described therein.

Note: This description contains information about the job and is not a guarantee of employment.

Equal Opportunity Statement: Affirm is an equal opportunity employer. Accommodations available upon request.