Analyst II, Full Stack, Credit Analytics

Affirm

Analyst II leveraging advanced data analytics to optimize credit strategies and collaborate with cross-functional teams at Affirm. Driving decisions to ensure sustainable growth and risk mitigation in fintech.

Posted 6/10/2026full-timeRemote • California, Connecticut, New Jersey, New York, Washington • 🇺🇸 United StatesJuniorMid-Level💰 $128,000 - $188,000 per yearWebsite

Tech Stack

Tools & technologies

PythonSQL

About the role

Key responsibilities & impact

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

What you’ll need

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

Comp & perks

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

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

SQLPythondata miningdata visualizationstatistical modelingmachine learningcredit risk managementportfolio performance monitoringcredit underwriting frameworksadvanced analytics

Soft Skills

communication skillsinfluencing stakeholderscollaborationcross-functional leadershipstrategic thinkingproblem-solvingadaptabilityanalytical thinkingnegotiationstakeholder engagement