Quantitative Analyst II (Capital Structuring & Analytics)

Affirm; Baltimore (MD); On-site; USD 128,000 - 188,000; Full time

Benefits offered by this job

Health coverage for you and dependents

ESPP - Employee Stock Purchase Plan

Generous vacation and holidays

Tech and wellness stipends

Job summary

Affirm, a remote-first company, seeks a quantitative markets professional to join the Capital Team. You will structure and price consumer asset-backed deals, build models for funding strategies, and analyze loan performance across the portfolio.

The role requires 2+ years in asset-backed structuring, experience with Intex/Bloomberg, and strong Python/SQL skills, plus collaborative leadership across Finance, Product, and Engineering.

Qualifications

• 2+ years of relevant experience structuring asset-backed transactions, forecasting loan performance, and building quantitative models.
• Experience with industry-standard tools such as Intex/Bloomberg and working with rating agencies and partners.
• Experience with SQL, Python, or other scripting languages.
• Strong interpersonal and communication skills, and ability to collaborate across teams.
• Proactive leader able to navigate ambiguity and develop creative solutions with minimal guidance.

Responsibilities

• Work closely with Capital Markets to evaluate, structure and price consumer asset-backed transactions.
• Develop and enhance capital structuring and pricing models for Affirm’s loan portfolio.
• Build quantitative models to analyze and predict performance of Affirm’s consumer loans.
• Provide insights on deals to cross-functional teams for better funding strategy and pricing.
• Partner with Capital Markets, Treasury, Merchant Pricing, Credit, Commercial, Product and Engineering teams.

Skills

SQL

Python

Interpersonal skills

Communication skills

Proactive leadership

Tools

Intex/Bloomberg

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.

About The Capital Team

The Capital team manages the financial foundation that supports affirm’s lending and innovation. We lead the funding, liquidity, and risk management strategy across capital markets, treasury, deal structuring, analytics, and bank partnerships. The team secures efficient funding while supporting sustainable business growth. We balance cost, flexibility, and risk to ensure affirm’s financial resilience through all economic cycles. By optimizing capital structure and managing liquidity, we help build a scalable and resilient financial platform.

We’re looking for a smart, driven individual to join our Quantitative Markets team. The team is responsible for structuring and pricing affirm’s debt funding deals, developing platforms and tools for optimizing funding strategies, and building models to analyze and predict the performance of affirm’s consumer loans. The ideal candidate will have experience in structuring asset-backed transactions, working with rating agencies, and building quantitative models. Given the cross-functional nature of the role, the ideal candidate should have strong interpersonal and communication skills.

What You’ll Do

• Work closely with the Capital Markets team to evaluate, structure and price consumer asset-backed transactions
• Develop and enhance capital structuring and pricing models tailored to affirm’s consumer loan portfolio to enable efficient deal execution
• Build quantitative models to analyze and predict the performance of affirm’s consumer loans
• Provide insights on capital markets deals to cross-functional teams for more optimal and efficient funding strategy and merchant pricing
• Partner cross-functionally with our Capital Markets, Treasury, Merchant Pricing, Credit, Commercial, Product and Engineering teams to evaluate funding, product, and business decisions

What We Look For

• 2+ years of relevant experience structuring asset-backed transactions, forecasting consumer loan performance, and/or building quantitative models
• Experience with industry-standard tools such as Intex/Bloomberg and working with accountants, rating agencies, and internal/external partners
• Experience with SQL, Python, or other scripting languages
• Strong interpersonal and communication skills, and ability to collaborate and influence across different teams in the organization
• A proactive leader that can seek out new opportunities, drive projects, navigate ambiguity and develop creative solutions with minimal guidance
• Desire to understand the broader context of business decisions

Pay Grade

K

Equity Grade

6

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 equity rewards, monthly 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: $145,000 - $205,000

USA base pay range (all other U.S. states) per year: $128,000 - $188,000

affirm is proud to be a remote-first company! The majority of our roles are remote and you can work almost anywhere within the country of employment. affirmers in proximal roles have the flexibility to work remotely, but will occasionally be required to work out of their assigned affirm office. A limited number of roles remain office-based due to the nature of their job responsibilities.

Benefits

• Health care coverage - affirm covers all premiums for all levels of coverage for you and your dependents
• Flexible Spending Wallets - generous stipends for spending on Technology, Food, various Lifestyle needs, and family forming expenses
• Time off - competitive vacation and holiday schedules allowing you to take time off to rest and recharge
• ESPP - An employee stock purchase plan enabling you to buy shares of affirm at a discount

We believe It’s On Us to provide an inclusive interview experience for all, including people with disabilities. We are happy to provide reasonable accommodations to candidates in need of individualized support during the hiring process.

[For U.S. positions that could be performed in Los Angeles or San Francisco] Pursuant to the San Francisco Fair Chance Ordinance and Los Angeles Fair Chance Initiative for Hiring Ordinance, affirm will consider for employment qualified applicants with arrest and conviction records.