Remote Bank Model Risk & Quant Analytics Lead

Affirm; Miami (FL); On-site; USD 195,000 - 255,000; Full time

Benefits offered by this job

Health care coverage

Flexible Spending Wallets

Paid time off

Employee Stock Purchase Plan

Job summary

Affirm is a remote-first company reinventing credit with honest terms. We are building a Bank Model Risk Management function to identify, quantify and monitor model risk across the business.

The role focuses on full-stack model validation of credit and fraud models, developing automated monitoring in Python, and advising on remediation while partnering with internal audit and compliance to meet regulatory requirements.

Qualifications

• 7+ years of professional experience in a highly technical capacity such as Credit/Fraud/Financial Risk Modeling, Model Validation, or Quantitative Analytics.
• Deep understanding of the consumer credit lifecycle and/or fraud detection.
• Technical familiarity with loss forecasting/fraud prediction, and stress-testing frameworks.
• Expert-level proficiency in Python for replicative modeling and backtesting.
• Mastery of SQL for wrangling large-scale datasets and data lineage audits.
• Strong problem-solving, attention to detail, and curiosity about model performance.
• Excellent interpersonal and communication skills with ability to translate technical ideas.

Responsibilities

• Full-Stack Model Validation: validate credit/fraud models with focus on soundness and data integrity.
• Develop automated monitoring suites in Python to track drift and PSI in real-time.
• Remediation & technical advisory with Model Developers to ensure robustness.
• Audit & regulatory liaison with internal teams to resolve requests.
• Support the Bank Model Risk Management function for bank-owned models.

Skills

Python (pandas, scikit-learn, statsmo

SQL

Model Validation

Credit/Fraud/Financial Risk Modeling

Communication Skills

Analytical Thinking

Job description

Affirm is a remote-first company reinventing credit with honest terms. We are building a Bank Model Risk Management function to identify, quantify and monitor model risk across the business.

The role focuses on full-stack model validation of credit and fraud models, developing automated monitoring in Python, and advising on remediation while partnering with internal audit and compliance to meet regulatory requirements.