Quantitative Analyst II (Capital Structuring & Analytics)

Affirm; United States; Remote; USD 128,000 - 188,000; Full time

Benefits offered by this job

Health coverage for dependents

Tech stipends for setup and wellness

Flexible time off

Employee stock purchase plan (ESPP)

Job summary

Aff… is seeking a smart, driven individual to join the Quantitative Markets team. The role focuses on structuring and pricing consumer asset-backed transactions, building models, and optimizing funding strategy across the capital markets function.

The candidate will work closely with cross-functional teams to develop robust models and provide insights that drive efficient funding and merchant pricing decisions.

Qualifications

• 2+ years of relevant experience structuring asset-backed transactions
• Experience with forecasting consumer loan performance and building quantitative models
• Proficiency in SQL and Python, or other scripting languages
• Strong interpersonal and communication skills with cross-functional collaboration
• Proactive, independent leader who can navigate ambiguity

Responsibilities

• Collaborate with Capital Markets to evaluate, structure and price consumer asset-backed transactions
• Develop and enhance capital structuring and pricing models for Aff… consumer loan portfolio
• Build quantitative models to analyze and predict performance of Aff… consumer loans
• Provide insights on capital markets deals to cross-functional teams
• Partner with Capital Markets, Treasury, Merchant Pricing, Credit, Commercial, Product and Engineering teams

Skills

Asset-backed structuring

Quantitative modeling

SQL

Python

Interpersonal skills

Tools

Intex

Bloomberg

Job description

At Aff… 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.

About the Capital Team

The Capital team manages the financial foundation that supports Aff… 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 Aff’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 Aff… debt funding deals, developing platforms and tools for optimizing funding strategies, and building models to analyze and predict the performance of Aff… 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 Aff… consumer loan portfolio to enable efficient deal execution
• Build quantitative models to analyze and predict the performance of Aff… 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 Aff… typically come in at the start of the pay range. Aff… 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

#LI-Remote

Remote-first with flexibility built in Aff… 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 Aff… 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 Aff… 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: affirm considers qualified applicants with arrest and conviction records, as required by law.