Analyst Ii

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. 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! About the Risk & Analytics Team: The Risk & Analytics (R&A) team makes crucial decisions that direct Affirm’s business strategy. We partner with Machine Learning, Product, Engineering, Capital Markets, and Commercial teams to grow Affirm responsibly by optimizing approval, conversion, losses, and profitability. Operating across the entire customer and merchant lifecycle, we tackle a diverse array of challenges from optimizing checkout conversion and mitigating fraud risk, to building scalable data foundations and enabling international growth. We analyze performance not just to report on it, but to determine where to invest resources for maximum impact through building tools, scalable data infrastructure, and analytical frameworks. We improve the analytics experience across Affirm by streamlining workflows and fostering a culture of learning and documentation. By taking ownership of the entire analytical lifecycle, from initial question to final business decision, we turn complex data and systems into clear, actionable signals that ensure Affirm grows efficiently and intelligently. Our Teams (Where You Might Sit): Candidates hired into the R&A organization will be sorted into a core team based on business need and background. Our primary domains include: Point of Sale (POS): Optimize merchant and checkout performance to improve conversion, approvals, and unit economics across the purchase funnel. Direct to Consumer (DTC) / Card: Drive engagement, repeat usage, and lifecycle health across Affirm's app, web, and card experiences. Fraud: Prevent and reduce fraud losses across the customer journey while maintaining a frictionless user experience. Core Analytics: Build the quantitative research, performance monitoring, and scalable data foundations that enable fast, economically sound decisions. Servicing: Enhance the post-origination customer experience by analyzing repayment behavior, collections strategies, and operational efficiency. International Expansion: Build the measurement and decision foundations needed to sustainably launch and scale Affirm in new global markets. About the Role As a Senior Analyst (L5), you will operate with autonomy to own the entire analytical lifecycle—from initial question to final business decision. You bring exceptional analytical rigor, deep domain expertise, and the ability to translate complex regulatory, economic, and machine learning insights into actionable business strategies. You thrive in ambiguity, balance growth with resilience, and are comfortable operating at both strategic and execution levels to influence stakeholders across technical and non-technical teams. What You Will Do 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 &