Analytics Lead, Full Stack (Credit Analytics)

About the role

The Risk & Analytics team at Affirm is responsible for making crucial decisions that guide the company's business strategy. This includes designing and running experiments to decide product features and marketing campaigns, analyzing performance to inform resource allocation, and taking ownership of the entire analytical lifecycle.

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, 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 capabilities, and local regulations.

Requirements

We are seeking a thoughtful, driven individual with exceptional analytical rigor, deep credit domain expertise, and the ability to influence stakeholders across both technical and non-technical teams. The ideal candidate should bring:

• A degree in Data Science, Computer Science, Engineering, Economics, or a related field, and 4+ years of experience (or equivalent senior-level experience).
• Experience setting credit strategy for de novo products using Sandbox data, retrospective studies or archives.
• Experience in high-line unsecured lending, especially in the home improvement vertical.
• 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 to align credit strategies with regulatory frameworks and business objectives.
• A deep understanding of consumer lending regulations, fair lending principles, and regional market dynamics influencing credit policy and underwriting.
• Ability to translate complex regulatory and economic insights into actionable credit and product strategies.
• Demonstrated success mentoring high-performing analytical teams and driving data-informed decision-making at scale.
• Exceptional communication skills with the ability to influence senior stakeholders across technical and non-technical functions.

Qualifications

Qualifications include:

• Deep understanding of consumer lending regulations, fair lending principles, and regional market dynamics influencing credit policy and underwriting.
• Ability to translate complex regulatory and economic insights into actionable credit and product strategies.
• Proven experience leading cross-functional initiatives that bridge Product, Legal, Compliance, and Engineering to align credit strategies with regulatory frameworks and business objectives.
• Exceptional communication skills with the ability to influence senior stakeholders across technical and non-technical functions.

Skills

Skills required include:

• 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 to align credit strategies with regulatory frameworks and business objectives.
• Ability to translate complex regulatory and economic insights into actionable credit and product strategies.
• Exceptional communication skills with the ability to influence senior stakeholders across technical and non-technical functions.

Benefits

At Affirm, we offer a comprehensive benefits package including:

• 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.

We are committed to providing a remote-first environment and offering competitive salaries and benefits. Affirmers in proximal roles have the flexibility to work remotely, but will occasionally be required to work out of their assigned Affirm office. A limited number of roles remain office-based due to the nature of their job responsibilities.