Senior Analyst, Risk & Analytics — Remote

Affirm; Denver (CO); On-site; USD 128,000 - 205,000; Full time

Benefits offered by this job

Health care coverage

Flexible Spending Wallets

Time off

Job summary

Affirm is reinventing credit to make it more honest and friendly, giving consumers flexible buy now, pay later with no hidden fees or compounding interest. Join us to transform consumer finance with better data, technology, and transparent decision-making.

The Risk & Analytics team partners with ML, product, engineering, and commercial groups to optimize approvals, losses, and profitability across the customer and merchant lifecycle.

Qualifications

• 2–5 years of analytically-driven experience in consumer lending, credit, or fintech.
• 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 ML experience.

Responsibilities

• Derive insights and optimize business, risk, or growth strategies across products and geographies.
• Monitor macro and market trends; adjust analytical and operational plans to balance risk and growth.
• Design, build, and interpret performance metrics for scalable risk, fraud, or growth models.
• Collaborate with Product, Legal, and Compliance to translate regulatory and market requirements into analytical policy and product design.
• Oversee development and execution of analytical frameworks for new product launches and market entries.
• Engage with merchants, vendors, and partners to align practices and strengthen relationships.
• Mentor junior analysts on technical craft and domain nuances.

Skills

SQL

Python

Data mining

Data visualization

Statistical modeling

Machine learning

Cross-functional leadership

Education

Quantitative degree

Tools

SQL

Python

Data tools

Job description

Affirm is reinventing credit to make it more honest and friendly, giving consumers flexible buy now, pay later with no hidden fees or compounding interest. Join us to transform consumer finance with better data, technology, and transparent decision-making.

The Risk & Analytics team partners with ML, product, engineering, and commercial groups to optimize approvals, losses, and profitability across the customer and merchant lifecycle.