Develop and maintain a comprehensive backbook risk framework, covering delinquency, roll rates, collections performance, hardship cases, and vulnerability indicators to ensure robust risk monitoring and early detection of emerging risks.
Lead portfolio performance analytics and targeted risk mitigation, including monitoring delinquency trends, conducting segmentation and vintage analysis, diagnosing root causes, and recommending interventions to improve customer outcomes and reduce losses.
Drive cross-functional optimisation of risk capabilities by partnering with Credit, Product, Data Science, Engineering, Servicing, and Operations to enhance collections strategy, and the design and execution of hardship and vulnerable-customer programs.
Build and own the analytical framework for collections and repayments, including dashboards, KPIs, forecasting models, A/B experiment frameworks, and profitability analysis, leveraging advanced analytics and alternative data to solve complex credit and segmentation challenges.
Enhance international backbook oversight and strategic alignment, establishing cross-market KPIs, strengthening repayments monitoring, and tailoring risk strategies based on analytical insights to support Affirm’s global expansion.

Requirements

3-5+ years in credit risk, collections, analytics in consumer lending.
Experience in designing or optimising collections strategies and hardship programs.
Very strong analytical background with proficiency in SQL, Python or other scripting languages
Demonstrated ability to interpret credit performance data and drive actions.
Knowledge of credit reporting, affordability, and delinquency management practices.
Strong understanding of Consumer Duty / CONC / NCCP, hardship regulations, or equivalent.
Excellent cross-functional communication and stakeholder management.
Ability to collaborate and influence across different teams in the organization
Ability to communicate findings and recommendations clearly to both technical and non-technical audiences
A passion for finding insights in data and driving change based on those insights
Intelligence + Humility. Hubris is the fastest way to blow up a business!

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

Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills & Tools

credit riskcollectionsanalyticsSQLPythondata analysisforecasting modelsA/B testingsegmentation analysisperformance metrics

Soft Skills

analytical thinkingcross-functional communicationstakeholder managementcollaborationinfluenceclear communicationinsight generationchange managementhumilityproblem-solving