Job Title

Affirm is reinventing credit to make it more honest and friendly, giving consumers the flexibility to buy now and pay later without any hidden fees or compounding interest. The Merchant Risk Analytics team works crossfunctionally with Merchant Underwriting, Compliance, Engineering, and other analytics teams to establish scalable risk management for merchant acquisition and portfolio monitoring. We're looking for an intelligent, driven individual who wants to learn, grow, and solve challenging problems. This role requires strong analytical foundations and a willingness to operate across the full merchant risk lifecycle from onboarding to ongoing monitoring and risk expansion. You will support the development and maintenance of scalable analytics, modeling, automation, and monitoring frameworks as affirms merchant footprint grows. The role emphasizes handson execution, learning, and ownership of core analyses and modeldriven workflows, while collaborating closely with crossfunctional partners. What Youll Do Support merchant onboarding and ongoing portfolio monitoring through data analysis, modeling and automation workflows. Detect and monitor fraud across the network, responding quickly to emerging risks. Contribute to the development and improvement of scalable monitoring frameworks, controls, and reporting. Assist in identifying gaps and opportunities within existing risk processes. Partner crossfunctionally to translate risk requirements into datadriven strategies. Leverage AIassisted tools to accelerate analysis, automate workflows, and support the development of scalable, agentic merchant risk solutions. What We Look For EXPERIENCE Minimum 1 year of experience in risk management or a related field, including prior experience with analytics. ANALYTICAL THINKING Strong problemsolving skills with the ability to break down ambiguous problems using data. RESILIENCY Ability to think creatively and critically, thriving in a fastpaced environment. CURIOSITY Eagerness to explore new tools and methodologies to solve realworld problems. TECHNICAL SKILLS Strong coding skills in Python, SQL or other scripting languages; familiarity with agentic / LLM orchestration frameworks. PRODUCT KNOWLEDGE Passion for understanding how the product works and the broader context of business decisions. AI FLUENCY Comfortable using AI tools to enhance productivity, analysis, and workflow automation; interest in building or leveraging agentic workflows to solve risk problems. EDUCATION Bachelors degree in a quantitatively rigorous field such as engineering, statistics, optimization, math, finance, or economics. Pay Grade I Equity Grade 3 Employees new to Affirm typically come in at the start of the pay range. Affirm focuses on providing a simple and transparent pay structure which is based on a variety of factors, including location, experience and jobrelated skills. Base pay is part of a total compensation package that may include equity rewards, monthly stipends for health, wellness and tech spending, and benefits (including 100% subsidized medical coverage, dental and vision for you and your dependents). CAN base pay range per year: $90,000130,000 Affirm is proud to be a remotefirst company! The majority of our roles are remote and you can work almost anywhere within the country of employment. Affirmer in proximal roles have the flexibility to work remotely, but will occasionally be required to work out of their assigned affirm office. A limited number of roles remain officebased due to the nature of their job responsibilities. 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. We believe Its On Us to provide an inclusive interview experience for all, including people with disabilities. We are happy to provide reasonable accommodations to candidates in need of individualized support during the hiring process. (For U.S. positions that could be performed in Los Angeles or San Francisco) Pursuant to the San Francisco Fair Chance Ordinance and Los Angeles Fair Chance Initiative for Hiring Ordinance, affirm will consider for employment qualified applicants with arrest and conviction records. By clicking 'Submit Application,' you acknowledge that you have read affirm's Global Candidate Privacy Notice and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein. #J-18808-Ljbffr