Analyst

About the role

As an Analyst I in Affirm's Risk & Analytics organization, you will join one of several analytical teams working across the customer and merchant lifecycle. While the specific problems you tackle will depend on your eventual team placement, all Analyst I roles share a common foundation: using data to understand business performance, identify opportunities, and help Affirm make better decisions. You will learn the fundamentals of consumer lending while executing scoped analytical work under the guidance of senior analysts and managers. You will leverage SQL, Python, and modern analytical tools to help optimize business strategies, monitor performance, and turn complex data into actionable insights. You are a thoughtful, driven individual eager to build a strong technical foundation, learn how to navigate exogenous market changes, and integrate modern AI tooling to solve hard problems efficiently.

One Role, Multiple Teams: We are hiring multiple Analyst I roles across Affirm's Risk & Analytics organization through this single job posting. Rather than interviewing for one specific team, candidates will go through a shared interview process designed to assess the core skills we look for across R&A. If selected, we will work with you to determine the best team match based on your interests, experience, strengths, and current business needs. You will have the opportunity to learn more about our teams and share your preferences as you move through the process. Potential team placements include Point of Sale (POS), Direct to Consumer (DTC) / Card, Fraud, Core Analytics, Servicing, and International Expansion.

Responsibilities

• Derive Insights & Support Strategy: Leverage data analytics to uncover insights that help optimize product, risk, or growth strategies across geographies.
• Monitor Portfolio Health: Assist in tracking performance metrics, user behavior, and macroeconomic trends that impact business outcomes, flagging risks and anomalies to senior team members.
• Technical Execution: Write clean, working SQL and Python to build scalable reporting and partner with Engineering to support the deployment of machine learning and risk models.
• Cross-Functional Collaboration: Work closely with Product, Legal, and Compliance to understand evolving consumer lending regulations and market requirements, assisting in translating them into foundational data models and operational policies.
• Drive Launch Alignment: Support cross-functional discussions to ensure new product launches and market entries align with our operational capabilities and risk appetite.
• AI Fluency & Efficiency: Integrate AI tools such as Cursor, Claude Code, and copilots into your daily workflows to accelerate data mining and routine tasks, while carefully verifying outputs.

Requirements

• 1–3 years of experience in an analytically driven role; relevant internships or prior experience in consumer lending, fintech, or broader financial services industry are highly valued.
• Degree in Data Science, Computer Science, Engineering, Economics, or a related quantitative field.

Skills

• Solid working knowledge of SQL, Python, or other scripting languages.
• Familiarity with data mining, data visualization, and foundational statistical modeling.
• Basic understanding of, or deep curiosity about, consumer lending regulations, fair lending principles, and how machine learning techniques apply to real‑world business problems.
• Exceptional communication skills, humility, and ability to collaborate effectively with cross‑functional peers.
• Ability to integrate AI tools (e.g., Cursor, Claude Code, copilots) into daily workflows to accelerate data mining and routine tasks while verifying outputs.

Benefits

• Health coverage at no cost: 100% of premiums covered for employees and their dependents.
• Monthly spending stipends for tech setup and health/wellness options.
• Flexible time off and generous holiday calendars.
• Employee stock purchase plan (ESPP) allowing purchase of Affirm stock at a discount.

Pay

• Pay Grade – I, Equity Grade – 5.
• USA base pay range (CA, WA, NY, NJ, CT): $115,000 – $165,000 per year.
• USA base pay range (all other U.S. states): $101,000 – $151,000 per year.
• Monthly stipends for health, wellness and tech spending are part of total compensation.
• Eligibility for equity rewards offered by Affirm Holdings, Inc.

Schedule

• Remote‑first role with flexibility to work from almost anywhere within the country of employment.
• Some positions may occasionally require in‑person work at an Affirm office; a few are office‑based due to the nature of