Analytics Lead (Deposit Fraud Risk)

Affirm, Inc.; New York (NY); Remote; USD 120,000 - 180,000; Full time

Benefits offered by this job

Remote-first compensation structure

Health benefits

Learning & Development

Job summary

Affirm, Inc. is seeking a senior analytics professional to own fraud performance for depository products, collaborating with Product, Engineering, ML, and Risk teams to refine identity verification and fraud processes.

You will lead the charge on monitoring fraud losses, approval rates, false positives, and customer friction, while driving data-driven improvements across the application flow. You will build scalable data models, dashboards, and dashboards to provide visibility into portfolio

Qualifications

• 7+ years of analytics experience in a fast-paced environment.
• Strong SQL and Python skills for data analysis and modeling.
• Experience with fraud, risk, and payment processing domains.
• Ability to communicate findings clearly to both technical and non-technical audiences.

Responsibilities

• Own fraud performance metrics for depository products, including losses, approval rates, false positives, and customer friction.
• Build and maintain scalable data models and transformation pipelines (e.g., DBT).
• Develop dashboards, scorecards, and monitoring frameworks for portfolio health and risks.
• Lead testing and evaluation of fraud strategy changes with pre- and post-implementation analysis.
• Partner with Product, Engineering, ML, Data Engineering, Fraud Ops, and Risk to improve fraud strategies.

Skills

SQL

Python

Cross-functional collaboration

Communication

Tools

DBT

Job description

• The Fraud team at works cross-functionally with Machine Learning, Product, Engineering, Operations to combat fraudulent activities to foster a safe platform
• This role requires abundant cross-functional partnership. This individual will be the representative of the Credit Risk org, leading the charge on refining our Identity Verification and Fraud processes as well as our Application flow. Additionally, this role will work closely with the Product and Engineering teams to improve our Fraud solution
• Come join us in our mission to change consumer finance through better technology, lower costs, and increased transparency while providing the best customer experience
• This role will take charge of owning fraud performance for depository products, including monitoring fraud losses, approval rates, false positives, customer friction, and other key risk metrics
• Data Pipeline, Analytics & Monitoring
• Build and maintain scalable data models and transformation pipelines, using tools (such as DBT) to standardize depository product, transaction, customer, fraud, and operational data
• Define trusted fraud performance metrics and analytical datasets, including fraud loss rates, approval and decline rates, false-positive rates, customer friction, and operational efficiency
• Develop recurring dashboards, scorecards, and monitoring frameworks to provide clear visibility into fraud performance, portfolio health, and emerging risks
• Conduct deep-dive analyses to diagnose fraud losses, control gaps, false positives, portfolio shifts, and unexpected performance changes, translating findings into actionable recommendations
• Fraud Strategy Building & Optimization
• Develop and optimize fraud rules, policies, thresholds, models, and decision strategies that balance loss prevention, customer experience, operational capacity, and product growth
• Evaluate new data sources and signals to improve detection of identity risk, account takeover, device risk, transaction risk, and other fraud typologies relevant to depository products
• Lead testing and performance measurement of fraud strategy changes, including rule launches, model updates, policy changes, and new product controls, with clear pre- and post-implementation evaluation
• Partner cross-functionally with Product, Engineering, Machine Learning, Data Engineering, Fraud Operations, and Risk to improve fraud strategies, strengthen operational feedback loops, and support new product launches

Benefits

• Compensation: We have a simple, flexible, and transparent remote-first compensation structure so you can make the best decisions for yourself and your family
• Spending Wallets: Access tech, food, lifestyle, and family planning wallets for your expenses
• Supportive Communities: Get involved with our employee resource groups and community groups
• Remote-first Workforce: If your role is remote, you can set up shop anywhere in your home country
• Generous Time Off: Take the time you need when life happens
• Health Benefits: Get a plan that fits your needs
• Mental Healthcare: Take care of your mind with great mental health programs
• Parental Leave: Birth and non-birth parents get 18 weeks’ paid leave. Plus, a 4-week return-to-work transition program, at full base pay
• Away Days: We offer 20 company-wide paid days off, which help our teams collectively pause to recharge
• Learning & Development: Engage in exciting learning programs to level up your growth

PEOPLE SKILLS - A team player with ability to collaborate and influence across many different teams in the organizationMULTI-TASKING - Strong time management skills and the ability to manage multiple projects and prioritiesCOMMUNICATION - Ability to communicate findings and recommendations clearly to both technical and non-technical audiencesTECHNICAL SKILLS - Fluent in SQL and PythonEXECUTION - Able to thrive in a fast-paced environment and be responsive and available during times of peak fraud activityRISK KNOWLEDGE - Working knowledge of the fundamentals of payment processing and an understanding of industry risk trends, including familiarity with fraud strategy developmentEXPERIENCE - 7+ years’ of Analytics experiencePRODUCT KNOWLEDGE - Passion to understand how affirm product works and a curious mindset to help change and make it more effective