Analyst II, Credit

Remote; San Francisco (CA); Remote; USD 88,000 - 101,000; Full time

Benefits offered by this job

Equity

Health coverage

Dental & Vision

Job summary

Affirm is reinventing credit to make it more honest and friendly, giving consumers flexibility to buy now and pay later without hidden fees or compounding interest. As a Merchant Risk Analyst, you will assess financial and non-financial risk associated with merchants, working with cross-functional partners to evaluate brand, reputational, legal and compliance risk.

The ideal candidate has e-commerce underwriting or commercial lending exposure, and can assess merchant risk using third-party data,

Qualifications

• Experience assessing merchant risk in e-commerce, lending, or payments.
• Ability to review financial documents and credit reports.
• Strong ownership mentality and cross-functional collaboration.

Responsibilities

• Assess brand, compliance, fraud and financial risk for merchants.
• Utilize business credit reports, financial documents and market data for risk analysis.
• Investigate new data sources to assess merchant financial risk.
• Monitor credit, fraud and dispute/chargeback trends by merchants.
• Provide guidance to automate and improve merchant risk evaluation processes.

Skills

Merchant risk assessment

Fraud risk analysis

Credit reports & 3rd party data

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.

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 Affi’s 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 Affi**rm** 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

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