AnalyticsLead

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 Risk thinking through credit policies for new initiatives and products, shaping ongoing testing and experimentation, and being ready for navigating through any exogenous changes will be important problems to tackle. The ideal candidate brings exceptional analytical rigor, deep credit domain expertise, and the ability to influence stakeholders across both technical and non-technical teams. You thrive in ambiguity, can translate complex regulatory and economic insights into actionable credit strategies, and are comfortable operating at both strategic and execution levels. Come join us in our mission to change consumer finance through better data and technology, lower costs, and increased transparency while providing the best customer experience! What You’ll Do 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