Analyst II, Credit

Affirm

Merchant Risk Analyst assessing credit, fraud, compliance, and financial risk for Affirm’s buy-now-pay-later platform. Monitoring merchant trends and improving risk evaluation through third-party data and automation.

Posted 9/7/2026full-timeRemote • 🇬🇧 United KingdomMid-LevelSenior💰 £66,000 - £76,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in assessing merchant financial risk through the analysis of credit reports, financial documents, and third-party data. Proven ability to collaborate with cross-functional teams to enhance risk evaluation processes and drive improvements in merchant risk management.

Highest-signal resume keywords

Merchant Risk ManagementFinancial Document ReviewE-Commerce UnderwritingCross-Functional CollaborationFraud Assessment

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Merchant Risk AssessmentCredit Exposure Risk AnalysisFinancial Market Data AnalysisThird-Party Data EvaluationChargeback Trend Monitoring

Soft Skills

Ownership MentalityAccountabilityUrgencyExecution

Tools & Technologies

Investigative Research ToolsBusiness Credit ReportsPayment Processor Statements

Industry Keywords

Fraud RiskCompliance RiskReputational RiskMerchant UnderwritingCollections

About the role

Key responsibilities & impact

Assess brand, compliance, fraud and financial risk and determine credit exposure risk on new and existing merchants
Use business credit reports, financial documents, investigative research tools, and financial market data to conduct merchant risk assessments
Investigate and use new sources of third-party data to assess merchant financial risk
Conduct ongoing monitoring of credit, fraud, and dispute/chargeback trends by merchants
Provide guidance toward automation and improvements of merchant risk evaluation
Coordinate with cross-functional partners to assess non-financial brand, reputational, legal and compliance risk

Requirements

What you’ll need

3+ years of experience in assessing merchant risk in Merchant/Seller Risk Management, Fraud, Collections, or Merchant Underwriting
Experience working with cross-functional partners, especially Sales and Business Development teams
Experience reviewing financial documents, business credit reports and payment processor statements
Knowledge or experience in e-commerce underwriting and/or commercial lending
Understanding of evaluating merchant financial risk using third-party data, credit reports, and other merchant attributes
Ownership mentality, accountability, urgency and execution

Benefits

Comp & perks

Equity rewards
Monthly stipends for health, wellness and tech spending
100% subsidised medical coverage for you and your dependents
Dental and vision coverage for you and your dependents
Flexible Spending Wallets with stipends for Technology, Food, Lifestyle needs, and family forming expenses
Competitive vacation and holiday schedules
Employee stock purchase plan (ESPP) enabling employees to buy Affirm shares at a discount
Reasonable accommodations during the hiring process