Senior Analyst

Summary

Affirm is a financial technology company that provides transparent, flexible payment options. The Senior Analyst will own complex analytical problems across the customer and merchant lifecycle, translate data into business strategies, and influence decisions across technical and non-technical teams. The role focuses on risk, growth, fraud, product performance, regulatory alignment, and scalable analytical capabilities.

Responsibilities

• Optimize End-to-End Strategy: Leverage advanced data analytics to independently derive insights, develop, and optimize business, risk, or growth strategies across products and geographies
• Manage Macro & Market Trends: Monitor portfolio performance and exogenous macroeconomic trends, proactively adjusting analytical and operational strategies to mitigate risk and balance growth
• Model & Capability Building: Partner deeply with Engineering and Machine Learning teams to design, build, and interpret performance metrics for scalable risk, fraud, or growth models
• Cross-Functional Leadership: Collaborate closely with Product, Legal, and Compliance teams to interpret evolving regulatory and market requirements, translating them directly into analytical policy and product design recommendations
• Oversee Frameworks & Launches: Oversee the development and execution of analytical frameworks. Drive cross-functional discussions to ensure new product launches and market entries align with risk appetite, operational capabilities, and local regulations
• External & Strategic Alignment: Engage with external stakeholders, including merchants, vendors, and partners, to align practices, ensure compliance, and strengthen strategic relationships
• AI Leverage & Mentorship: Build repeatable AI-assisted workflows that compound across the team's analyses, while mentoring junior analysts on technical craft and domain nuances

Skills

• 2–5 years of proven experience in an analytically driven role within the consumer lending, credit, or fintech industry, specifically leveraging advanced analytics to develop and optimize business strategies
• 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

Qualifications

Must Haves

• 2–5 years of proven experience in an analytically driven role within the consumer lending, credit, or fintech industry, specifically leveraging advanced analytics to develop and optimize business strategies
• 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

Benefits

• Monthly stipends for health, wellness and tech spending
• 100% subsidized medical coverage, dental and vision for you and your dependents
• Employees may be eligible for equity rewards offered by Affirm Holdings, Inc. (parent company)
• Remote-first company with flexibility built in
• Health coverage at no cost: We cover 100% of premiums for employees and their dependents.
• Monthly stipends support your tech setup, and the ability to choose health and wellness options that are right for you.
• Flexible time off and generous holiday calendars
• Employee stock purchase plan (ESPP) lets you buy Affirm stock at a discount.