Analyst II, Backbook Risk

The Backbook Risk team is responsible for Affirm’s backbook strategy, delinquency forecasting and performance monitoring globally. Team works cross-functionally with Risk, Compliance, Machine Learning, Product, Engineering, Operations, Analytics, and Finance teams to define and execute the Backbook Risk strategies, improve unit economics and ensure adherence to the risk appetites.

This role requires extensive use of data analytics to derive insights and develop risk strategies. Collaborating with cross-functional partners, full stack analyst works with the Product teams to develop strategy for new products, features and experiments, with the Machine Learning and Engineering teams to develop new forecasting models and risk management capabilities,, with the Operation team to execute risk and resolution strategies, with the Finance team to help facilitate discussions on portfolio performance and loss forecasting.

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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

• In collaboration with the Product, Machine Learning, Analytics and Finance teams, mature and evolve repayment and loan modification products with strategies iteration and experimentation.
• Develop and continuously improve backbook forecasting and performance attribution processes.
• Design and develop solutions to track key portfolio metrics, monitor risk / macroeconomic trends and communicate findings to stakeholders
• Own end-to-end risk analytic workflow to support data-driven decisions and customer impact initiatives for backbook risk management and strategies
• Solve interesting credit and user segmentation challenges with alternative data and advanced analytics

What We Look For

• Passion to redefine the lending and financial industry for the better
• 2-4 years of work experience in risk analytics within Fintech/Banking. 
• Proficient in SQL, experience with Python and data visualization tools
• Proven understanding of risk fundamentals (experience with both consumer and business risk management practices, an understanding of industry risk trends
• Ability to communicate findings and recommendations clearly to both technical and non-technical audiences
• Bachelor’s or Master’s degree in a quantitatively rigorous subject area like engineering, statistics, math, finance, economics, computer science desired
• Intelligence + Humility. Hubris is the fastest way to blow up a business!

Base Pay Grade - K

Equity Grade - 6

Employees new to Affirm typically come in at the start of the pay range. Affirm focuses on providing a simple and transparent pay structure which is based on a variety of factors, including location, experience and job-related skills.

Base pay is part of a total compensation package that may include equity rewards, monthly stipends for health, wellness and tech spending, and benefits (including 100% subsidized medical coverage, dental and vision for you and your dependents.)

USA base pay range (CA, WA, NY, NJ, CT) per year: $140,000-190,000

USA base pay range (all other U.S. states) per year: $124,000- 174,000

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