Senior Analyst

About the Role

What You Will Do

• Optimize End-to-End Strategy: Leverage advanced data analytics to independently derive insights, develop, and optimize business, risk, or growth strategies across products and geographies.
• Manage Macro & Market Trends: Monitor portfolio performance and exogenous macroeconomic trends, proactively adjusting analytical and operational strategies to mitigate risk and balance growth.
• Model & Capability Building: Partner deeply with Engineering and Machine Learning teams to design, build, and interpret performance metrics for scalable risk, fraud, or growth models.
• Cross-Functional Leadership: Collaborate closely with Product, Legal, and Compliance teams to interpret evolving regulatory and market requirements, translating them directly into analytical policy and product design recommendations.
• Oversee Frameworks & Launches: Oversee the development and execution of analytical frameworks. Drive cross-functional discussions to ensure new product launches and market entries align with risk appetite, operational capabilities, and local regulations.
• External & Strategic Alignment: Engage with external stakeholders, including merchants, vendors, and partners, to align practices, ensure compliance, and strengthen strategic relationships.
• AI Leverage & Mentorship: Build repeatable AI-assisted workflows that compound across the team's analyses, while mentoring junior analysts on technical craft and domain nuances.

What We Look For

• 2–5 years of proven experience in an analytically driven role within the consumer lending, credit, or fintech industry, specifically leveraging advanced analytics to develop and optimize business strategies.
• Degree in Data Science, Computer Science, Engineering, Economics, or a related quantitative field.
• Advanced proficiency in SQL, Python, or other scripting languages.
• Deep expertise in data mining, data visualization, and statistical modeling, with experience applying machine learning techniques to business or risk management problems.
• Proven experience leading cross-functional initiatives that bridge Product, Legal, Compliance, and Engineering to align analytical strategies with business objectives.
• Strong understanding of consumer lending regulations, regional market dynamics, and the broader economic landscape influencing policy and growth.
• Demonstrated ability to translate complex regulatory and economic insights into actionable strategies.
• Exceptional communication skills with the ability to influence senior stakeholders across technical and non-technical functions.
• Pay Grade - K Equity Grade - 6 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 job-related skills. Base pay is part of a total compensation package that may include monthly stipends for health, wellness and tech spending, and benefits (including 100% subsidized medical coverage, dental and vision for you and your dependents). In addition, the employees may be eligible for equity rewards offered by Affirm Holdings, Inc. (parent company). USA base pay range (CA, WA, NY, NJ, CT) per year: $145,000 - $205,000 USA base pay range (all other U.S. states) per year: $128,000 - $188,000
• #LI-Remote
• Affirm is proud to be a remote-first company! The majority of our roles are remote and you can work almost anywhere within the country of employment. Affirmers 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 office-based due to the nature of their job responsibilities.
• We’re extremely proud to offer competitive benefits that are anchored to our core value of people come first. Some key highlights of our benefits package include:
• 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 It’s 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.