Analyst II, Full Stack (Credit Analytics)
New
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.Full-TimeMiddle
Salary128,000 - 205,000 USD per year
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Job Details
- Experience
- 2+ years of experience
- Required Skills
- PythonSQLData MiningMachine LearningData visualizationData analytics
Requirements
- Degree in Data Science, Computer Science, Engineering, Economics, or a related field
- 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
- Deep understanding of consumer lending regulations, fair lending principles, and regional market dynamics
- Ability to translate complex regulatory and economic insights into actionable credit and product strategies
- Exceptional communication skills with the ability to influence senior stakeholders
Responsibilities
- 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.
- Engage and coordinate with external stakeholders to align credit risk practices and ensure compliance.
- 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.
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