Merchant Risk Analyst

Affirm is reinventing credit to make it more honest and friendly, giving consumers the flexibility to buy now and pay later without any hidden fees or compounding interest. Affirm proudly includes Returnly.
The Merchant Risk Analytics team works cross-functionally with Merchant Growth, Machine Learning, Engineering, Revenue, and Underwriting teams to establish scalable risk management for merchant acquisition and portfolio monitoring. The ideal candidate is, besides having strong analytics/modeling skills, a fast learner and a team player who is proactive, highly motivated and with a positive attitude.
The team's directive is to support the company goals for international expansion & partnership onboarding while closely managing the fraud and credit risk of our merchant portfolio. This role requires data analytics skills to mitigate seller risk and to improve the onboarding experience. It also requires data visualization skills to develop dashboards and tools to drive business insights. Given the cross-functional nature of the role, the ideal candidate should have strong interpersonal and communication skills.
Come join us in our mission to change eCommerce finance through better technology, lower costs, and increased transparency while providing the best merchant & customer experience.
What you'll do

• Proactively explore data and identify opportunities to automate merchant onboarding processes
• Perform analytics workflow, including sizing the opportunity, developing the strategies, visualizing by dashboards and reports, socializing them across the organization and driving the change
• Develop sound strategies by Optimization, Machine Learning or a boarder selection of technologies
• Design rules, policies as well as implement the solution with merchant risk decision platform
• Partner with Engineering and Underwriting team to mitigate risk
• Work with cross functional teams and provide risk based decision support

What we look for

• 1-2 years' work experience as a data analyst
• Proficient in SQL, Experience with Python, or other scripting languages
• Strong data-manipulation and data visualization skills
• Knowledge with decision tree, logistic regression, or other machine learning models
• Able to explore new tools, new methodologies to solve real-world problems
• Ability to think creatively and critically and thrive in a fast-paced, multifaceted, and target drove work environment
• A team player with the ability to collaborate and influence across different teams in the organization
• Bachelor's or Master's degree in a quantitatively rigorous subject area like engineering, statistics, math, operations research, finance, economics desired

Location - Remote U.S.
Grade - USA28
#LI-Remote
Affirm is proud to be a remote-first company ! The majority of our roles are remote and can be located anywhere in the U.S. and Canada (with the exception of the U.S. Territories, Quebec, Yukon, Nunavut, and the Northwest Territories) unless the job indicates a different global location. We are currently building operations in Spain, Poland, and Australia. Employees in remote roles have the option of working remotely or from an Affirm office in their country of hire, and may occasionally travel to an Affirm office or elsewhere for required meetings or team-building events. Our offices in Chicago, New York, Pittsburgh, Salt Lake City, San Francisco and Toronto will remain operational and accessible for anyone to use on a voluntary basis, subject to local COVID-19 guidelines.
All full-time jobs at Affirm (excluding interns and apprentices) are tied to a transparent grade-based pay range taking location into account.
[Colorado Candidates] In accordance with Colorado's Equal Pay for Equal Work Act , the grade for this position in Colorado is listed above. You can find the Colorado base pay range and benefits here .
If you got this far, we hope you're feeling excited about this role. Even if you don't feel you meet every single requirement, we still encourage you to apply. We're eager to meet people who believe in Affirm's mission and can contribute to our team in a variety of ways-not just candidates who check all the boxes.
Inclusivity:
At Affirm, People Come First is one of our core values, and that's why diversity and inclusion are vital to our priorities as an equal opportunity employer. You can read about our D&I program here and our progress thus far in our 2021 DEI Report .
We also believe It's On Us to provide an inclusive interview experience for all, including people with disabilities. We are happy to provide reasonable accommodations to candidates in need of individualized support during the hiring process.
By clicking "Submit Application," you acknowledge that you have read the Affirm Employment Privacy Policy , or the Affirm Employment Privacy Notice (EU) for applicants applying from the European Union, and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.