Senior Analyst, Risk & Analytics - Impact at Scale

Affirm; San Diego (CA); On-site; USD 145,000 - 205,000; Full time

Benefits offered by this job

Health care coverage

Flexible Spending Wallets

Paid time off

Employee stock purchase plan

Job summary

Affirm is 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. Join us in our mission to change consumer finance through better data and technology, lower costs, and increased transparency while providing the best customer experience.

As a Senior Analyst (L5) on the Risk & Analytics team, you will own the analytical lifecycle—from initial question to final business decision.

Qualifications

• 2–5 years of proven experience in an analytically-driven role within the consumer lending, credit, or fintech industry.
• Degree in Data Science, Computer Science, Engineering, Economics, or a related quantitative field.
• Advanced proficiency in SQL, Python, or other scripting languages.
• Deep expertise in data mining, data visualization, and statistical modeling, with experience applying machine learning techniques to business or risk management problems.
• Proven experience leading cross-functional initiatives that bridge Product, Legal, Compliance, and Engineering to align analytical strategies with business objectives.
• Strong understanding of consumer lending regulations, regional market dynamics, and the broader economic landscape influencing policy and growth.
• Demonstrated ability to translate complex regulatory and economic insights into actionable strategies.
• Exceptional communication skills with the ability to influence senior stakeholders across technical and non-technical functions.

Responsibilities

• Derive insights and optimize business, risk, or growth strategies across products and geographies.
• Monitor portfolio performance and macro trends; adjust analytics strategies to balance risk and growth.
• Partner with Engineering and ML to design and interpret performance metrics for scalable risk, fraud, or growth models.
• Collaborate with Product, Legal, and Compliance to translate regulatory requirements into analytical policy and product design recommendations.
• Oversee analytical frameworks; ensure new product launches align with risk appetite and local regulations.
• Engage with merchants, vendors, and partners to align practices and strengthen strategic relationships.
• Build repeatable AI-assisted workflows and mentor junior analysts on technical craft.

Skills

SQL

Python

Data mining

Data visualization

Statistical modeling

Machine learning

Cross-functional leadership

Communication

Education

Data Science

Computer Science

Engineering

Economics

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. Join us in our mission to change consumer finance through better data and technology, lower costs, and increased transparency while providing the best customer experience.

As a Senior Analyst (L5) on the Risk & Analytics team, you will own the analytical lifecycle—from initial question to final business decision.