Analyst II, Full Stack, Credit Analytics

Job Description:

• Leverage advanced data analytics to derive insights and optimize credit strategies across products and geographies.
• Partner with Engineering to design and build scalable risk models and credit risk capabilities.
• Monitor portfolio performance and macroeconomic trends that impact loan outcomes; proactively adjust underwriting and marketing strategies to mitigate risk.
• Collaborate closely with Product, Legal, and Compliance teams to interpret evolving regulatory and market requirements across jurisdictions, and translate them into credit policy, underwriting, and product design recommendations.
• Engage and coordinate with external stakeholders — including merchants, vendors, and regulatory bodies — to align credit risk practices, ensure compliance, and strengthen strategic partnerships.
• Oversee the development and execution of credit underwriting frameworks that balance growth, compliance, and risk mitigation goals.
• Drive cross-functional discussions to ensure new product launches and market entries are aligned with risk appetite, operational capabilities, and local regulations.

Requirements:

• Degree in Data Science, Computer Science, Engineering, Economics, or a related field, and 2+ years of experience (or equivalent senior-level experience)
• SQL, Python, or other scripting languages
• Data mining, data visualisation, and statistical modeling
• Applying machine learning techniques to credit risk management
• Leveraging advanced analytics to develop and optimise credit strategies
• Monitoring and interpreting model performance metrics across portfolios
• Proven experience leading cross-functional initiatives that bridge Product, Legal, Compliance, and Engineering to align credit strategies with regulatory frameworks and business objectives.
• Deep understanding of consumer lending regulations, fair lending principles, and regional market dynamics influencing credit policy and underwriting.
• Ability to translate complex regulatory and economic insights into actionable credit and product strategies.
• Exceptional communication skills with the ability to influence senior stakeholders across technical and non-technical functions.

Benefits:

• Health care coverage - Affirm covers all premiums for all levels of coverage for you and your dependents
• Flexible Spending Wallets - generous stipends for spending on Technology, Food, various Lifestyle needs, and family forming expenses
• Time off - competitive vacation and holiday schedules allowing you to take time off to rest and recharge
• ESPP - An employee stock purchase plan enabling you to buy shares of Affirm at a discount