Analyst II, Full Stack

About the role

The Senior Analyst (L5) position within the Risk & Analytics (R&A) team at Affirm is responsible for independently deriving insights, developing, and optimizing business, risk, or growth strategies across products and geographies. This role requires exceptional analytical rigor, deep domain expertise, and the ability to translate complex regulatory, economic, and machine learning insights into actionable business strategies.

Responsibilities

• 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 adjust analytical and operational strategies to mitigate risk and balance growth.
• Model & Capability Building: Partner deeply with Engineering and ML 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.

Requirements

• 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.
• 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.

Qualifications

• Degree in Data Science, Computer Science, Engineering, Economics, or a related quantitative field.
• 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.

Skills

• 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.

Benefits

• 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.