Analytics Lead, Full Stack

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 Engineering to design and implement scalable risk models and credit risk functionalities.

• Monitor portfolio performance and macroeconomic factors influencing loan results; proactively modify underwriting and marketing strategies to reduce risk.

• Work closely with Product, Legal, and Compliance teams to interpret shifting regulatory and market demands across different jurisdictions, translating these into recommendations for credit policy, underwriting, and product design.

• Engage and coordinate with external stakeholders—including merchants, vendors, and regulatory entities—to align credit risk practices, ensure compliance, and strengthen strategic partnerships.

• Supervise the creation and implementation 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 in line 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 4+ years of experience (or equivalent senior-level experience).

• Proven experience in formulating credit strategies for new products using Sandbox data, retrospective studies, or historical archives.

• Experience in high-limit unsecured lending, particularly within the home improvement sector.

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

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

• Experience applying machine learning techniques to credit risk management.

• Ability to utilize advanced analytics to create and refine credit strategies.

• Capable of monitoring and interpreting model performance metrics across portfolios.

• Proven track record of leading cross-functional initiatives that connect Product, Legal, Compliance, and Engineering to synchronize credit strategies with regulatory frameworks and business objectives.

• In-depth knowledge of consumer lending regulations, fair lending standards, and regional market dynamics that affect credit policy and underwriting.

• Ability to transform complex regulatory and economic information into actionable credit and product strategies.

• Demonstrated success in mentoring high-performing analytical teams and promoting data-informed decision-making on a large scale.

• Outstanding communication skills with the capability to influence senior stakeholders in both technical and non-technical areas.

🏝️ Benefits

• Comprehensive health care coverage - Affirm pays all premiums for all coverage levels for you and your dependents.

• Flexible Spending Wallets - generous stipends for expenses related to Technology, Food, various Lifestyle needs, and family forming costs.

• Paid time off - competitive vacation and holiday schedules that allow you to take the necessary time off to rest and recharge.

• Employee Stock Purchase Plan (ESPP) - a plan that allows you to purchase shares of Affirm at a discounted rate.