Analyst II, Full Stack (Credit Analytics)

About this role

Affirm seeks a Credit Analytics Analyst II to optimize credit strategies and build risk models that balance growth with portfolio resilience. You'll work cross-functionally across Machine Learning, Product, Engineering, and Compliance to develop underwriting frameworks, monitor portfolio performance, and ensure regulatory alignment in the fintech lending space.

What you'll do

• Develop advanced analytics and optimize credit strategies across products and geographies
• Partner with Engineering to design and build scalable risk models and credit capabilities
• Monitor portfolio performance and macroeconomic trends; adjust underwriting and marketing strategies proactively
• Collaborate with Product, Legal, and Compliance to translate regulatory requirements into credit policy recommendations
• Oversee credit underwriting framework development balancing growth, compliance, and risk mitigation
• Drive cross-functional discussions for new product launches and market entries aligned with risk appetite

What they're looking for

• SQL, Python, or other scripting languages
• Statistical modeling and data visualization
• Machine learning applied to credit risk management
• Portfolio performance monitoring and model metrics interpretation
• Credit strategy optimization and analytics
• Consumer lending regulations and fair lending compliance knowledge
• Cross-functional leadership and stakeholder influence
• Ability to translate regulatory and economic insights into actionable strategies

Benefits

• 100% subsidized medical coverage, dental and vision for you and dependents
• Monthly stipends for health, wellness and tech spending
• Equity rewards
• Remote US position
• Competitive base pay ($128,000 - $205,000 depending on location)
• Opportunity to shape consumer finance innovation