Analyst II, Full Stack, Credit Analytics

This is a fully remote position, open to applicants in California, +4 more states.

📋 Description

• Utilize advanced data analytics to extract insights and enhance credit strategies across various products and regions.

• Collaborate with the Engineering team to design and implement scalable risk models and credit risk capabilities.

• Track portfolio performance and macroeconomic trends affecting loan outcomes; proactively modify underwriting and marketing strategies to reduce risk.

• Work closely with Product, Legal, and Compliance teams to interpret changing regulatory and market requirements across different jurisdictions, translating them into credit policy, underwriting, and product design recommendations.

• Engage and coordinate with external partners, including merchants, vendors, and regulatory agencies, to align credit risk practices, ensure compliance, and strengthen strategic collaborations.

• Supervise the development and execution of credit underwriting frameworks that balance growth, compliance, and risk mitigation objectives.

• Facilitate cross-functional discussions to ensure that new product launches and market entries are consistent with risk appetite, operational capabilities, and local regulations.

⛳️ Requirements

• Bachelor's degree in Data Science, Computer Science, Engineering, Economics, or a related field, along with 2+ years of experience (or equivalent senior-level experience).

• Proficiency in SQL, Python, or other scripting languages.

• Skills in data mining, data visualization, and statistical modeling.

• Experience applying machine learning techniques in credit risk management.

• Expertise in utilizing advanced analytics to create and optimize credit strategies.

• Ability to monitor and interpret model performance metrics across various portfolios.

• Demonstrated experience leading cross-functional initiatives that connect Product, Legal, Compliance, and Engineering to align credit strategies with regulatory frameworks and business goals.

• Comprehensive understanding of consumer lending regulations, fair lending principles, and regional market factors that influence credit policy and underwriting.

• Capability to translate complex regulatory and economic insights into actionable credit and product strategies.

• Outstanding communication skills, with the ability to influence senior stakeholders across both technical and non-technical domains.

🏝️ Benefits

• Health care coverage - Affirm pays 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 that allow you to take time off to rest and recharge.

• ESPP - An employee stock purchase plan allowing you to buy shares of Affirm at a discount.